Affordable Rates for Dodge Charger Insurance in Columbus

A recent survey discovered that a large majority of drivers in Ohio kept buying from the same company for more than four years, and about 40% of consumers have never even shopped around for lower-cost coverage. With the average car insurance premium being $1,847, American drivers could save approximately $860 each year just by comparing rates, but most just don’t grasp the large savings they would see if they switched to a more affordable policy.

The easiest way to get low-cost Dodge Charger insurance is to start doing an annual price comparison from different companies that insure vehicles in Columbus. Rates can be compared by completing these steps.

• Step 1: Gain an understanding of how auto insurance works and the measures you can take to keep rates low. Many factors that increase rates like careless driving and a negative credit rating can be remedied by making minor changes in your lifestyle.
• Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like GEICO or Allstate, while independent agents can give you price quotes from multiple companies.
• Step 3: Compare the new rates to the price on your current policy to see if a cheaper rate is available. If you can save money and change companies, ensure there is no coverage lapse between policies.
• Step 4: Give notification to your agent or company of your intention to cancel the current policy and submit a completed application and payment to your new company or agent. Once the application is submitted, place your new certificate of insurance in an easily accessible location.

The most important part of shopping around is to use the same physical damage deductibles and liability limits on every quote request and and to get prices from all possible companies. This guarantees a level playing field and a complete selection of prices.

The companies shown below have been selected to offer free rate quotes in Ohio. If several companies are displayed, it’s a good idea that you visit two to three different companies in order to find the cheapest rates.

Three reasons to insure your Dodge vehicle

Even though Columbus Charger insurance rates can get expensive, buying auto insurance may be required and benefits you in several ways.

First, almost all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your vehicle with a loan, most lenders will force you to buy insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Dodge at a significantly higher premium and require you to fork over much more than you were paying before.

Third, insurance protects both your vehicle and your personal assets. It will also cover all forms of medical expenses that are the result of an accident. Liability coverage also pays for attorney fees and expenses if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your Charger more than offset the price you pay, especially with large liability claims. An average driver in America is overpaying more than $830 a year so you should quote rates once a year at a minimum to save money.

Analysis of coverages

The rate information shown next showcases estimates of insurance rates for Dodge Charger models. Learning how car insurance premiums are established can help you make smart choices when comparing insurance quotes.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in specific zip code location which can affect insurance rates considerably.

Deductible comparison

One common question asked by Columbus drivers is where to set your physical damage deductibles. The following tables can help you understand how much more rates are between low and high policy deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in your specific Columbus location which can change premiums substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $11 more each month or $132 every year than requesting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 23 months between claim filings, you would more than likely save some money going with the higher deductible. Below is a better example of how you can come to your own conclusion.

The chart below illustrates how your deductible choice and can raise or lower Dodge Charger insurance premiums for different age groups. The data assumes a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Accidents and violations increase rates

The diagram below shows how speeding tickets and fender-benders drive up Dodge Charger car insurance rates for each different age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Affordable Columbus insurance quotes with discounts

Some providers don’t always advertise the complete list of policy discounts in a way that’s easy to find, so we researched a few of the more well known in addition to some of the lesser obvious savings tricks you should be using when you buy Columbus car insurance online. If you do not double check each discount you deserve, you could be paying more than you need to.

• Columbus Homeowners Discount – Simply owning a home can earn you a little savings because it requires a higher level of personal finance.
• Full Payment Discount – By making one initial payment rather than paying in monthly installments you can avoid the installment charge.
• Sign Online – A few larger companies will discount your bill up to fifty bucks get Columbus car insurance on your computer.
• Multi-Vehicle Discounts – Having multiple cars on one policy can get a discount for every vehicle.
• Discount for New Cars – Buying a new car instead of a used Charger can be considerably cheaper because new model year vehicles keep occupants safer.
• Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote Columbus car insurance depending on your company.
• Good Student – Being a good student may save as much as 25% on a Columbus car insurance quote. The discount lasts up to age 25.
• Memberships – Participating in qualifying employment or professional organizations is a simple method to lower premiums on insurance.

You should keep in mind that most credits do not apply to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

The information below shows the difference between Dodge Charger auto insurance costs with and without discounts applied to the rates. The premium estimates are based on a female driver, no claims or violations, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, multi-policy, safe-driver, and homeowner discounts applied.

Insurance companies that may offer quotes with some of the above discounts include:

• Travelers
• 21st Century
• State Farm
• GEICO
• SAFECO
• AAA

Check with each company or agent which discounts you qualify for. Some credits might not be offered everywhere. For a list of companies with discount insurance rates in Ohio, click here.

Local neighborhood insurance agents

Certain consumers still like to go talk to an agent and there is nothing wrong with that. Insurance agents can point out coverage gaps and give you someone to call. The biggest benefit of comparing rates online is that you can find cheap rate quotes and also buy local. Supporting local insurance agents is definitely important in Columbus.

Once you complete this short form, your coverage information is instantly submitted to local insurance agents in Columbus who will give competitive quotes to get your business. You don’t have to contact any insurance agencies because prices are sent to the email address you provide. If you wish to get a comparison quote from a specific insurance company, feel free to find their quoting web page and fill out the quote form the provide.

Picking a insurer requires more thought than just the premium amount. These are some valid questions you should ask.

• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Are they in the agency full-time?
• Can they provide you with a list of referrals?
• Is there a 24/7 contact number?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Do they offer accident forgiveness?

When do I need an agent’s advice?

When buying coverage online or from an agent, there is no one-size-fits-all type of policy. Each situation is unique and your insurance should be unique as well.
For instance, these questions may help you determine whether your personal situation will benefit from professional help.

• Does my policy cover me when driving someone else’s vehicle?
• When should I drop full coverage on my Dodge Charger?
• How do I file an SR-22 for a DUI in Ohio?
• Are all vehicle passengers covered by medical payments coverage?
• How many claims can I have before being canceled?
• Can I cancel at any time?
• Can I insure my car for more than it’s worth?
• Is a new car covered when I drive it off the dealer lot?
• I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Affordable car insurance rates are possible

When you buy Columbus car insurance online, it’s not a good idea to reduce needed coverages to save money. In too many instances, consumers will sacrifice collision coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

Cheap Dodge Charger insurance in Columbus is attainable from both online companies and also from your neighborhood Columbus agents, so you need to quote Columbus car insurance with both to have the best rate selection. A few companies do not provide online quoting and most of the time these small insurance companies only sell coverage through independent agents.

You just learned many tips how you can shop for Dodge Charger insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your prices. You may even be surprised to find that the lowest premium rates come from some of the lesser-known companies. Smaller companies may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

Additional car insurance information is located on the following sites:

• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Who Has Cheap Columbus Auto Insurance Rates for High School Students? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for 19 Year Olds in Columbus? (FAQ)
• Who Has Cheap Auto Insurance Quotes with Multiple Speeding Tickets in Columbus? (FAQ)
• What Car Insurance is Cheapest for a Nissan Rogue in Columbus? (FAQ)
• Airbag FAQ (iihs.org)
• Older Drivers FAQ (iihs.org)
• Get the Right Protection (InsureUonline.org)