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.

Insurance quote for Dodge Charger in ColumbusThe 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.

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.

Dodge Charger Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $172 $318 $368 $22 $110 $990 $83
Charger $172 $318 $368 $22 $110 $990 $83
Charger AWD $172 $318 $368 $22 $110 $990 $83
Charger 3.5 AWD $172 $318 $368 $22 $110 $990 $83
Charger SXT $172 $318 $368 $22 $110 $990 $83
Charger SXT AWD $172 $318 $368 $22 $110 $990 $83
Charger Rallye $172 $318 $368 $22 $110 $990 $83
Charger R/T $172 $366 $368 $22 $110 $1,038 $87
Charger Rallye AWD $172 $366 $368 $22 $110 $1,038 $87
Charger R/T AWD $190 $366 $368 $22 $110 $1,056 $88
Charger SRT-8 $190 $366 $368 $22 $110 $1,056 $88
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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.

Dodge Charger insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $220 $348 $284 $16 $84 $977 $81
Charger $220 $348 $284 $16 $84 $977 $81
Charger AWD $220 $348 $284 $16 $84 $977 $81
Charger 3.5 AWD $220 $348 $284 $16 $84 $977 $81
Charger SXT $220 $348 $284 $16 $84 $977 $81
Charger SXT AWD $220 $348 $284 $16 $84 $977 $81
Charger Rallye $220 $348 $284 $16 $84 $977 $81
Charger R/T $220 $400 $284 $16 $84 $1,029 $86
Charger Rallye AWD $220 $400 $284 $16 $84 $1,029 $86
Charger R/T AWD $244 $400 $284 $16 $84 $1,053 $88
Charger SRT-8 $244 $400 $284 $16 $84 $1,053 $88
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Dodge Charger insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $180 $280 $284 $16 $84 $844 $70
Charger $180 $280 $284 $16 $84 $844 $70
Charger AWD $180 $280 $284 $16 $84 $844 $70
Charger 3.5 AWD $180 $280 $284 $16 $84 $844 $70
Charger SXT $180 $280 $284 $16 $84 $844 $70
Charger SXT AWD $180 $280 $284 $16 $84 $844 $70
Charger Rallye $180 $280 $284 $16 $84 $844 $70
Charger R/T $180 $324 $284 $16 $84 $888 $74
Charger Rallye AWD $180 $324 $284 $16 $84 $888 $74
Charger R/T AWD $198 $324 $284 $16 $84 $906 $76
Charger SRT-8 $198 $324 $284 $16 $84 $906 $76
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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.

Average monthly premium for $250 deductibles: $83
Average monthly premium for $500 deductibles (subtract): – $72
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

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.Insurance discounts

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:

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.

Insurance agency in ColumbusOnce 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.

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.Safe vehicles cost less to insure
For instance, these questions may help you determine whether your personal situation will benefit from professional help.

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: