How Much Does 2016 Dodge Charger Car Insurance Cost in 2024?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 8, 2024

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Looking for better insurance coverage rates? Shoppers have lots of choices when shopping for the best price on Dodge Charger insurance. They can either spend hours calling around getting price quotes or save time using the internet to find the lowest rates. There is a better way to compare insurance coverage rates and we’ll show you the proper way to get price quotes for your Dodge and locate the lowest price from local insurance agents and online providers.

Smart consumers take time to check insurance coverage prices quite often because insurance coverage prices go up and down regularly. Despite the fact that you may have had the best price on Charger coverage six months ago you can probably find a lower rate today. There are lots of tips to save on insurance coverage online but in this article, you’re going to get some proven techniques to lower your insurance coverage rates.

Discount insurance coverage rates

The price of auto insurance can be rather high, but there could be significant discounts that can dramatically reduce your bill. Certain reductions will be credited when you complete an application, but some must be inquired about prior to getting the savings.

  • Low Mileage Discounts – Driving fewer miles may enable drivers to earn lower rates on the low mileage vehicles.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Military Deployment Discount – Having a family member in the military could trigger a small discount.
  • Early Switch Discount – A few companies offer discounts for switching companies prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Accident Waiver – Not really a discount, but companies like Progressive, Allstate, and Liberty Mutual will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • No Claim Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote compared to policyholders that have many claims.
  • Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like it’s possible to get free car insurance, you’re out of luck.

To locate insurers who offer insurance coverage discounts, enter your zip code here.

You can change your insurance premiums

A large part of saving on car insurance is knowing the rating factors that go into determining your policy premiums. If you know what controls the rates you pay, this enables informed choices that will entitle you to much lower annual insurance costs. Lots of factors are taken into consideration when premium rates are determined. Most are fairly basic like your driving record, but others are more obscure such as whether you are married or how financially stable you are.

The itemized list below are some of the major factors used by companies to determine your rates.

  • Your location is important – Living in smaller towns and rural areas of the country can save you money when trying to find low car insurance rates. Less people translates into fewer accident claims and lower theft and vandalism rates. Drivers in populated areas have to deal with more road rage incidents and much longer commute distances. Longer commute distances means higher likelihood of an accident.
  • Combine home and auto and save – Most major car insurance companies allow a discount to clients who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you may still want to compare other insurance prices to make sure you are getting the best deal. It’s possible to still find a better deal by splitting coverages up.
  • Vehicle features that cut premiums – Buying a car with a theft deterrent system can help lower your rates. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your vehicle from being stolen.
  • Proper usage rating affects premiums – The higher the miles on your Dodge every year the higher your rates will be. A lot of companies calculate prices based upon how much you drive. Vehicles that do not get driven very much can be on a lower rate level compared to those used for work or business. It’s a good idea to make sure your car insurance coverage reflects how each vehicle is driven. An improperly rated Charger is throwing money out the window.
  • Does auto insurance cost more for guys? – Statistics have proven that females take fewer risks when driving. That doesn’t necessarily mean that males are worse at driving than females. Women and men are in fender benders in similar percentages, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.
  • Safer vehicles cost less to insure – Cars with high safety ratings tend to be cheaper to insure. Safe vehicles reduce occupant injuries and fewer serious injuries translates into fewer and smaller insurance claims passed on to you as lower rates.

Tailor your insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions can aid in determining if you might need professional guidance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered by my spouse’s policy after a separation?
  • When should I drop full coverage on my 2016 Dodge Charger?
  • Am I missing any policy discounts?
  • Should I waive the damage coverage when renting a car?
  • How can I force my company to pay a claim?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I break a side mirror?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete your zip code. It is quick, free and you can get the answers you need.

Smaller companies may have the best rates

Consumers get pounded daily by advertisements that claim the cheapest car insurance rates from the likes of State Farm, GEICO and Progressive. All the companies convey the message of big savings just by moving your policy.

How is it possible that every company can offer drivers better rates? This is how they do it.

Insurance companies can use profiling for the type of customer that makes them money. For example, a profitable insured could be between the ages of 30 and 50, has had continuous coverage, and drives newer vehicles. Any customer who fits that profile receive the lowest rate quotes as well as save when switching.

Drivers who don’t measure up to these standards will be quoted a higher premium and the prospect going elsewhere. The wording the ads use say “people that switch” not “everyone who quotes” can save as much as they claim. That is how insurance companies can confidently make claims that they all have the best car insurance rates. Because of the profiling, drivers must do a quote comparison often. It’s just too difficult to predict which auto insurance company will have better rates than you’re paying now.

Detailed coverages of your insurance policy

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses for X-ray expenses, surgery, nursing services and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision – Collision insurance will pay to fix damage to your Charger caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, hitting a parking meter and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability – Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like legal defense fees, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Dodge Charger.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, damage from flooding and damage from a tornado or hurricane. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

A tidy conclusion

When searching for the cheapest insurance coverage quotes, you should never buy less coverage just to save a little money. There are too many instances where an insured dropped full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage for the lowest cost, not the least amount of coverage.

Cheaper 2016 Dodge Charger insurance is definitely available both online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies may not have internet price quotes and most of the time these smaller providers prefer to sell through independent agents.

We just presented some good ideas how you can compare 2016 Dodge Charger insurance prices online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with the smaller companies.

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