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Dodge Magnum Insurance Rates

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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 3, 2023

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Comparing auto insurance by getting online quotes can be fast and easy, in addition you may find lower rates. The most important part is getting rates from all companies so you can get every company's rates.

If you've never shopped for auto insurance online, you may be confused by the hoards of companies selling insurance. The are a couple different ways to compare rate quotes from auto insurance companies in your area. The simplest method to find competitive Dodge Magnum insurance cost involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine Dodge Magnum insurance rates

Insurance premiums on a Dodge Magnum can be significantly different depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Your location impacts rates
  • The number of annual miles
  • Male drivers pay higher rates
  • Low deductibles cost more
  • NTSB crash rating for your vehicle
  • Your job
  • The amount of protection requested
  • Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a much lower replacement value compared to new Magnum models so the cost to replace them may result in lower rates. But new Magnum models have more advanced features including anti-lock brakes, adaptive cruise control, and autonomous braking that may help give discounted rates.

Liability

This coverage provides protection from injuries or damage you cause to people or other property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as large an amount as possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your Dodge Magnum can be pricey, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills like ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.

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