Dodge Charger Insurance Rate Quotes in Phoenix

Would you like to stop wasting money and find more affordable Dodge Charger insurance in Phoenix? Pretty sure you bought an expensive insurance policy? It’s a common feeling and you’re not the only one.

Unbelievable but true, a large majority of drivers have stayed with the same insurance company for more than four years, and nearly 40% of drivers have never compared rates from other carriers. Arizona drivers could pocket $733 a year, but they think it’s difficult to compare rate quotes. Many auto insurance companies compete for your business, so it can be very hard to choose a provider to find the cheapest price on Dodge Charger insurance in Phoenix.

If you already have coverage or are just looking to switch companies, you will benefit by learning to shop for the lowest rates while maximizing coverage. Choosing the best insurance company for you in Phoenix is much easier if you know where to start. Consumers only need to know how to compare prices from many different companies.

Verify you’re earning every discount

Car insurance companies don’t list every policy discount in a way that’s easy to find, so here is a list both well-publicized and also the more inconspicuous discounts that may be available.

• Low Mileage – Driving less could qualify for better rates on cars that stay parked.
• Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase life insurance.
• Lower Rates for Military – Being deployed with a military unit may lower your prices slightly.
• Government Employee Discount – Active or former government employment could qualify for a slight premium decrease with certain companies.
• Distant College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from Phoenix without a vehicle on campus may be insured at a cheaper rate.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and qualify for as much as a 10% discount.

Just know that most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

A few popular companies and their possible discounts are shown below.

• AAA may have discounts that include pay-in-full, good driver, multi-car, AAA membership discount, good student, and education and occupation.
• Progressive discounts include homeowner, good student, multi-policy, continuous coverage, and multi-vehicle.
• State Farm has savings for multiple policy, driver’s education, safe vehicle, defensive driving training, Drive Safe & Save, good student, and passive restraint.
• Esurance offers premium reductions for multi-policy, safety device, homeowner, online quote, paid-in-full, anti-theft, and defensive driver.
• Nationwide may include discounts for good student, accident-free, anti-theft, family plan, and easy pay.

If you are trying to find inexpensive Phoenix car insurance quotes, ask each company or agent what discounts are available to you. All car insurance discounts might not apply in Phoenix.

The cheapest Phoenix Dodge Charger insurance rate quotes

The companies in the list below have been selected to offer price comparisons in Phoenix, AZ. If multiple companies are shown, it’s a good idea that you get prices from several of them to get the best price comparison.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in garaging location in Phoenix which can influence coverage rates greatly.

Dodge Charger annual premiums for males versus females

The diagram below visualizes the comparison of Dodge Charger auto insurance costs for male and female drivers. The prices are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no other discounts are factored in.

Auto insurance deductibles

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The data tables below determine the cost difference of buying low and high deductibles. The first rate estimation uses a $250 physical damage deductible and the second set of rates uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in zip code location which can affect rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $15 more each month or $180 for a full year than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 17 months between claim filings, you would probably save some money if you opt for a higher deductible.

Does full coverage make sense?

The information below shows the difference between Dodge Charger auto insurance costs with liability coverage only compared to full coverage. The premiums assume no claims or violations, $1,000 deductibles, single male driver, and no discounts are applied to the premium.

When to stop paying for full coverage

There is no definitive formula to exclude full coverage, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s say your Dodge Charger settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after paying your deductible. If you are paying in excess of $700 a year for your policy with full coverage, then it might be time to buy liability only.

There are a few situations where eliminating full coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

Smart Consumers Know How to Get Auto Insurance at a Discount

Many factors are used in the calculation when pricing auto insurance. A few of the factors are predictable like an MVR report, but other criteria are more obscure like your continuous coverage or your financial responsibility. Consumers need to have an understanding of the rating factors that are used to determine your policy premiums. When consumers understand what determines premiums, this helps enable you to make changes that can help you get big savings.

• Rural areas have lower costs – Choosing to live in less populated areas of the country is a positive aspect when talking about auto insurance. Less people living in that area translates into fewer accident claims. People in densely populated areas have much more traffic and longer commutes to work. Higher commute times means more chance of being in an accident.
• Does car insurance cost less for women? – Over the last 50 years, statistics have shown that women are safer drivers than men. The data does not necessarily mean that females are better drivers. Both sexes cause auto accidents in similar numbers, but the men tend to have more serious accidents. Men also tend to get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers generally have the highest accident percentage so they pay the highest premiums.
• Qualify for multi-policy discounts – Most major insurers allow discounts to insureds that buy multiple policies in the form of a multi-policy discount. This can amount to as much as ten percent or more Even though this discount sounds good, you may still want to get quotes from other companies to verify if the discount is saving money.
• Single drivers may have higher premiums – Walking down the aisle may cut your premiums on your policy. Having a significant other is viewed as being more mature than a single person and insurance companies reward insureds because married drivers get in fewer accidents.
• Driver age impacts costs – Inexperience drivers have a tendency to be easily distracted in a vehicle therefore auto insurance rates are much higher. More mature drivers are more cautious drivers, statistically cause fewer accidents, and usually have better credit.
• Insurance loss statistics a Dodge Charger – Companies include the past claim trends for vehicles in order to profitably underwrite each model. Models that have a trend towards higher claims will cost more for coverage.

  The next table illustrates the insurance loss data for Dodge Charger vehicles. For each type of coverage, the claim probability for all vehicles, regardless of manufacturer or model, is considered to be 100. Numbers below 100 suggest losses that are better than average, while numbers above 100 point to more frequent losses or larger claims.

  Dodge Charger Insurance Loss Statistics

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Dodge Charger 2WD	148	142	160	176	178	159
  Dodge Charger 4WD	124	129	115	107	110	138
  Dodge Charger HEMI	156	106	202	118	127	111

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Can’t I compare rates from local Phoenix insurance agents?

Certain consumers just prefer to buy from a licensed agent and often times that is recommended Good agents will help you protect your assets and will help you if you have claims. The biggest benefit of getting online price quotes is that you can obtain cheap rate quotes and still have a local agent.

To find an agent, once you fill out this quick form, the coverage information is emailed to participating agents in Phoenix who will return price quotes and help you find cheaper coverage. You won’t even need to even leave your home since rate quotes are delivered straight to your inbox. If for some reason you want to get a rate quote from a specific insurance company, you would need to go to their quote page and fill out the quote form the provide.

Finding the right provider needs to be determined by more than just the price. You should also get answers to these questions.

• How long have they worked with personal auto insurance coverage?
• Will the agent or a CSR service your policy?
• Do they assist clients in filing claims?
• What kind of financial rating does the company have?
• How long have they been in business?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Do you need full coverage on every vehicle?

Different types of Phoenix auto insurance agents

If you’re trying to find a reputable insurance agent or broker, it’s important to understand the different types of agencies and how they work. Auto insurance policy providers can be described as either exclusive or independent agents depending on their company appointments. Both types can insure your vehicles properly, but it’s important to point out how they differ because it can impact which agent you choose.

Exclusive Auto Insurance Agencies

These agents are contracted to one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to provide other company’s prices so you need to shop around if the rates are high. These agents are well schooled on sales techniques and that allows them to sell at a higher price point.

Shown below are exclusive agencies in Phoenix willing to provide rate quotes.

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Independent Auto Insurance Agencies

These type of agents are not restricted to one company and that allows them to write policies with an assortment of companies depending on which coverage is best. If premiums increase, your agent can switch companies which is easy for the insured. When comparing auto insurance rates, it’s a good idea to get several quotes from independent agents for the best price selection.

Shown below is a short list of independent agents in Phoenix that can give you price quote information.

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After getting good responses to your questions and an acceptable price quote, you may have just found an auto insurance agent that meets the criteria to insure your vehicles.

Three main reasons to buy insurance

Despite the high cost of buying insurance for a Dodge Charger in Phoenix, insuring your vehicle is mandatory in Arizona but it also protects more than you think.

• Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability protection in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Dodge has a lien holder, almost every bank will force you to have full coverage to guarantee loan repayment. If the policy lapses, the lender will be forced to insure your Dodge for a lot more money and force you to pay for the much more expensive policy.
• Insurance protects both your vehicle and your assets. It will also cover most medical and hospital costs for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of carrying adequate insurance outweigh the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is overpaying more than $820 a year so you should quote your policy with other companies once a year at a minimum to help ensure money is not being wasted.

Be persistent and save

When searching for affordable Dodge Charger insurance quotes, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where an accident victim reduced physical damage coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

We just presented many tips how you can lower your Dodge Charger insurance prices in Phoenix. The key thing to remember is the more you quote Phoenix car insurance, the better your comparison will be. Drivers may even discover the lowest prices come from an unexpected company. Smaller companies often have lower rates on specific markets than the large multi-state companies such as Allstate or State Farm.

The cheapest Dodge Charger insurance in Phoenix can be purchased online in addition to local insurance agencies, so you need to shop Phoenix car insurance with both in order to have the best price selection to choose from. A few companies don’t offer online quoting and most of the time these smaller companies only sell coverage through local independent agents.

Even more information is available in these articles:

• Prom Night Tips for Teen Drivers (State Farm)
• Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Phoenix? (FAQ)
• Who Has Affordable Auto Insurance for 18 Year Olds in Phoenix? (FAQ)
• Who Has Cheap Car Insurance for a 20 Year Old Female in Phoenix? (FAQ)
• Anti-Lock Brake FAQ (iihs.org)
• How do I File a Claim? (Insurance Information Institute)
• Older Drivers FAQ (iihs.org)