Save Money on Dodge Charger Insurance in Mesa

If you want to save money, the best way to get the cheapest Dodge Charger insurance in Mesa is to regularly compare prices from companies who sell insurance in Arizona. You can compare prices by following these steps.

1. It will benefit you to learn about how insurance companies determine prices and the steps you can take to lower rates. Many risk factors that drive up the price like speeding and your credit history can be improved by improving your driving habits or financial responsibility.
2. Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or State Farm, while agents who are independent can provide prices for many different companies. Compare rates
3. Compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you find a better price and make a switch, make sure there is no lapse in coverage.
4. Notify your company or agent to cancel your current auto insurance policy and submit the application along with any required down payment to the new company. As soon as you receive it, keep the new certificate verifying proof of insurance in an easily accessible location in your vehicle.

A good tip to remember is that you use identical limits and deductibles on every price quote and and to get price quotes from as many different companies as possible. Doing this guarantees an apples-to-apples comparison and the best price selection.

It’s astonishing, but most drivers renewed their policy with the same company for over three years, and nearly 40% of drivers have never compared rate quotes at all. With the average auto insurance premium being $1,578, Mesa drivers could save up to $733 every year by just comparing quotes, but most just don’t grasp the amount of savings they would get if they bought a different policy.

Affordable companies for Dodge Charger insurance in Arizona

The companies in the list below are our best choices to provide free quotes in Arizona. To locate the cheapest car insurance in AZ, we suggest you visit two to three different companies to find the lowest car insurance rates.

Premium rates and analysis

The table shown below covers detailed analysis of insurance premium costs for Dodge Charger models. Learning a little about how prices are calculated can help drivers make decisions when shopping your coverage around.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific garaging location which can impact price quotes greatly.

How high should deductibles be?

One of the most common insurance questions is the level to set your comp and collision deductibles. The tables below lay out the rate differences when you buy lower versus higher comp and collision deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in zip code location which can influence coverage rates significantly.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $37 more each month or $444 for a full year across all Dodge Charger models than requesting the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 24 months between claim filings, you would probably be better off if you choose a higher deductible.

The illustration below shows how choosing a deductible and can influence Dodge Charger premium costs for each age group. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Full coverage or liability only

The information below illustrates the comparison of Dodge Charger premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premium estimates are based on no claims, a clean driving record, $100 deductibles, single status, and no other discounts are factored in.

Are you wasting money on full coverage?

There is no clear-cut rule of when to exclude physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Dodge Charger replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after paying the physical damage deductible. If premiums are more than $300 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where buying only liability insurance is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Affordable Mesa car insurance rates with discounts

Auto insurance companies don’t always publicize every discount available in an easy-to-find place, so the next list breaks down a few of the more common and the more hidden car insurance savings.

• Discounts for Multiple Vehicles – Buying insurance for multiple cars on one policy can get a discount for every vehicle.
• Bundled Policy Discount – If you can bundle your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
• Auto/Life Discount – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase a life policy as well.
• Discounts for Federal Employees – Active or retired federal employment could cut as much as 10% off with some car insurance companies.
• Drive Safe and Save – Drivers without accidents can save up to 40% or more on their Mesa car insurance quote compared to rates paid by drivers with frequent claims.
• Drivers Ed for Students – Teen drivers should complete a driver education course if it’s offered in school.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, you’re out of luck. But any discount should definitely cut your policy premium.

The example below visualizes the comparison of Dodge Charger yearly insurance costs with and without discounts applied to the premium. The data is based on a male driver, no accidents, no driving violations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, safe-driver, homeowner, and multi-car discounts applied.

If you would like to view insurers that provide some of the discounts listed above in Arizona, click here to view.

Insurance Price Influencing Factors

Smart consumers have a good feel for the different types of things that are used to determine the price you pay for auto insurance. When you know what positively or negatively determines premiums, this enables you to make decisions that can earn you big savings.

The items below are some of the most rate-impacting factors used by your company to calculate prices.

• Marriage is a factor – Having a wife or husband may cut your premiums on auto insurance. Marriage translates into being less irresponsible and statistics prove married drivers tend to have fewer serious accidents.
• Policy add-ons can waste money – Policies have additional extra coverages that can add up if you aren’t diligent. Coverages for personal injury protection, accident forgiveness, and additional equipment coverage may not be needed and are just wasting money. These may sound like a good investment when buying your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Save money with higher comp and collision deductibles – The deductibles you choose define how much you are willing to pay if you file a covered claim. Physical damage protection, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of covered claims would be collision with another vehicle, collision with a deer, or theft of your vehicle. The more you’re willing to pay, the better rate you will receive.
• How many coverages with the same company – Most companies apply better rates to policyholders that buy multiple policies, otherwise known as a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even if you’re getting this discount drivers will still want to comparison shop to verify if the discount is saving money.
• Safer cars save money – Vehicles with good safety scores get lower rates. These vehicles reduce injuries and reduced instances of injuries means lower claim amounts which can result in lower premiums. If your Dodge Charger has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.

• Dodge Charger insurance loss statistics – Companies analyze claim trends for every vehicle to help determine the price you pay. Vehicles that are shown to have higher losses will cost more to insure.

  The table below illustrates the compiled insurance loss statistics for Dodge Charger vehicles. For each policy coverage, the claim amount for all vehicles, regardless of make, model or trim level, is set at 100. Values that are below 100 suggest losses that are better than average, while percentage values above 100 indicate more frequent losses or an increased chance of a larger loss.

  
  

  Auto Insurance Loss Data for Dodge Charger Models

  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

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Local insurance agents

Some people just prefer to get advice from a local agent. One of the benefits of comparing insurance prices online is that you can obtain lower rates and still buy from a local agent.

To find an agent, once you fill out this simple form, your insurance coverage information is submitted to local insurance agents in Mesa that provide free Mesa car insurance quotes for your insurance coverage. You won’t even need to even leave your home since price quotes are sent to your email. You can find the lowest rates AND an agent nearby. In the event you want to quote rates from a specific insurance company, you just need to find their quoting web page and give them your coverage information.

Deciding on an provider should include more criteria than just the price. Here are some questions to ask:

• Are they able to provide referrals?
• Do they receive special compensation for putting your coverage with one company over another?
• Do they see any coverage gaps in your plan?
• Does the company use OEM repair parts?
• What is the agency’s Better Business Bureau rating?

Persistent drivers can save

We just covered some good ideas how you can compare Dodge Charger insurance car insurance rates in Mesa. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the best car insurance rates are with an unexpected company.

When you buy Mesa car insurance online, you should never buy poor coverage just to save money. In too many instances, someone dropped full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

Lower-priced Dodge Charger insurance in Mesa is definitely available both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online rate quotes and usually these smaller providers only sell coverage through independent agents.

Even more information is available in the articles below:

• Should I Buy a New or Used Car? (Allstate)
• Who Has Affordable Mesa Car Insurance Rates for Veterans? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Drivers with a DUI in Mesa? (FAQ)
• How Much are Auto Insurance Rates for a Toyota RAV4 in Mesa? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Drivers with Accidents in Mesa? (FAQ)
• Who Has Affordable Auto Insurance Quotes for Good Students in Mesa? (FAQ)
• Auto Theft Statistics (Insurance Information Institute)
• How to Avoid Common Accidents (State Farm)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• Eight Auto Insurance Myths (Insurance Information Institute)