Save Money on Dodge Charger Insurance in Houston

Has it been a year or more since you last compared quotes for cheaper Dodge Charger insurance in Houston? When trying to find more affordable insurance, do you get confused by the sheer number of car insurance companies in your area? There are so many companies available that it is more work than you anticipated to locate the lowest car insurance rates for Dodge Charger insurance in Houston. Houston is an awesome place to live, but high car insurance premiums can make it nearly impossible to be able to buy decent coverage.

Remarkably, a study showed that the vast majority of consumers have purchased from the same company for more than four years, and approximately 40% of consumers have never shopped around. With the average premium in Texas being $2,679, drivers could save about $1,800 a year just by getting comparison quotes, but they feel it’s too difficult to shop around.

Cheap Houston Dodge Charger insurance quotes

Most companies allow you to get price estimates directly from their websites. Getting online quotes for Dodge Charger insurance in Houston is quite easy as you just enter the coverages you want as detailed in the form. Once entered, their system will obtain your driving and credit reports and returns pricing information determined by many factors.

Being able to quote online for Dodge Charger insurance in Houston simplifies rate comparisons, and it’s absolutely necessary to perform this step if you want to find cheaper insurance pricing.

To quickly fill out one form to compare multiple rates now, compare rates now from the companies shown below. If you have a policy now, it’s recommended that you enter the coverage information identical to your current policy. Using the same limits helps guarantee you will be getting an apples-to-apples comparison using the same coverage and limits.

The following companies have been selected to offer free quotes in Texas. If multiple companies are listed, we recommend you get price quotes from several of them to get the best price comparison.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in vehicle garaging location which can decrease or increase premium rates significantly.

Age-based auto insurance rates by gender

The example below illustrates the comparison of Dodge Charger insurance prices for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are applied.

Analysis of deductible levels

One frequently asked question is the level to set your comp and collision deductibles. The figures shown below help summarize the cost difference of buying low and high physical damage coverage deductibles. The first rate table uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in specific zip code location which can modify prices noticeably.

Using the data above, we can ascertain that using a $250 deductible costs about $32 more each month or $384 every year than requesting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 23 months between claims, you would probably save some money if you elect the higher deductible.

Drive responsibly or pay higher rates

The information below illustrates how speeding tickets and at-fault claims increase Dodge Charger car insurance costs for each different age category. The premium estimates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

Insurance does more than just repair your car

Despite the fact that insurance is not cheap in Houston, insurance is required for several reasons.

• Almost all states have minimum liability requirements which means the state requires specific limits of liability insurance coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Dodge with a loan, most banks will make it mandatory that you have physical damage coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Dodge for a much higher rate and require you to pay a much higher amount than you were paying before.
• Insurance protects not only your vehicle but also your financial assets. Insurance will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance outweigh the cost, especially for larger claims. Today the average American driver is wasting up to $810 a year so you should quote your policy with other companies at every policy renewal to make sure the price is not too high.

Earn discounts on Houston insurance

Companies don’t necessarily list every possible discount very well, so the following is a list of both the well known as well as some of the hidden credits available to bring down your rates.

• Discount for Home Ownership – Owning a home in Houston can help you save on insurance because it is proof of financial responsibility.
• Auto/Home Discount – When you combine your home and auto insurance with one company you could earn a discount of 10% to 20% off each policy.
• Savings for New Vehicles – Adding a new car to your policy can cost up to 25% less since newer models have better safety ratings.
• Anti-lock Brakes – Cars and trucks that have anti-lock braking systems can avoid accidents and will save you 10% or more on Charger insurance in Houston.
• Cautious Driver Discounts – Insureds without accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
• Good Student Discount – A discount for being a good student may save as much as 25% on a Houston auto insurance quote. The good student discount can last until age 25.
• Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class if it’s offered in school.

Just know that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will help lower your policy premium.

The best insurance companies and some of the discounts can be read below.

• State Farm policyholders can earn discounts including student away at school, passive restraint, Steer Clear safe driver discount, multiple autos, defensive driving training, and accident-free.
• Farmers Insurance may include discounts for mature driver, youthful driver, teen driver, good student, and business and professional.
• GEICO offers discounts for good student, seat belt use, defensive driver, five-year accident-free, emergency military deployment, and multi-policy.
• American Family has discounts for accident-free, multi-vehicle, bundled insurance, mySafetyValet, good driver, good student, and air bags.
• Nationwide offers discounts including business or organization, defensive driving, good student, family plan, and multi-policy.
• Progressive discounts include online quote discount, continuous coverage, multi-policy, homeowner, good student, and multi-vehicle.

Before you buy a policy, ask each insurance company which discounts they offer. Some discounts might not apply in every state. To choose insurers that offer discounts in Texas, follow this link.

When do I need to have guidance from an insurance agency?

A small number of people prefer to get professional advice from a licensed agent and that is recommended in a lot of cases The biggest benefit of comparing rates online is the fact that you can find the lowest rates and still buy from a local agent. And providing support for local agents is important especially in Houston.

After completing this quick form, the quote information is instantly submitted to local insurance agents who will give competitive quotes for your insurance coverage. You don’t have to search for an agent as quotes are delivered to you directly. You can most likely find cheaper rates and a licensed agent to talk to. If you wish to compare rates from a particular provider, don’t hesitate to jump over to their website to submit a rate quote request.

Finding the right company requires you to look at more than just the quoted price. Here are some questions to ask:

• Does the quote include credit and driving reports?
• Can glass claims be handled at your home?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Do they reduce claim amounts on high mileage vehicles?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Does the company use OEM repair parts?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Once you have received good answers to any questions you may have as well as an affordable premium quote, most likely you have located an insurer that is reputable and can adequately provide insurance. But keep in mind consumers can terminate coverage at any point so never assume that you are obligated to a policy for the full policy term.

Auto insurance coverage information

Understanding the coverages of car insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, crashing into a ditch, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible on your Charger to save money on collision insurance.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for bills such as hospital visits, doctor visits, surgery, rehabilitation expenses and nursing services. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Dodge Charger.

Since many Texas drivers carry very low liability coverage limits (Texas limits are 30/60/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are set the same as your liability limits.

Liability coverages – This can cover damages or injuries you inflict on people or other property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 30/60/25 that translate to $30,000 in coverage for each person’s injuries, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like legal defense fees, bail bonds and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford. Texas state law requires minimum liability limits of 30/60/25 but you should consider buying better liability coverage.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, hail damage, damage from a tornado or hurricane, vandalism and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Don’t give up on cheaper premiums

Insureds leave their current company for any number of reasons including high prices, questionable increases in premium, unfair underwriting practices and an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

Low-cost Dodge Charger insurance in Houston can be found online in addition to many Houston insurance agents, and you need to comparison shop both to have the best rate selection. Some companies don’t offer price quotes online and these regional carriers only sell through independent agencies.

When shopping online for insurance, it’s not a good idea to reduce needed coverages to save money. In many cases, someone dropped full coverage to discover at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

For more information, take a look at the following helpful articles:

• Airbag FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance Quotes for Low Mileage Drivers in Houston? (FAQ)
• Who Has Affordable Houston Auto Insurance Quotes for Real Estate Agents? (FAQ)
• What Car Insurance is Cheapest for 16 Year Olds in Houston? (FAQ)
• How do I File a Claim? (Insurance Information Institute)
• Teen Driver Licensing Information (iihs.org)