Car Insurance Quotes for a Dodge Charger in Laredo

Would you prefer to buy the cheapest Dodge Charger insurance in Laredo? Nobody that owns a car looks forward to buying auto insurance, especially when they could find better prices if they shop around.

Inconceivable but true, over 70% of drivers have purchased from the same company for four years or more, and just under half have never compared rate quotes at all. With the average auto insurance premium being $2,679, Laredo drivers could cut their rates by up to $1,800 a year just by comparing rates, but they feel it’s too difficult to compare rate quotes. Multiple car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a provider and uncover the absolute best rates possible on Dodge Charger insurance in Laredo.

If you have insurance now or need a new policy, you can follow these tips to get lower rates and possibly find even better coverage. Locating the best rates in Laredo can be made easier if you know where to look. Shoppers only need to know the tricks to shop for car insurance from many different companies online.

Auto insurance providers offering low-cost prices in Texas

The following companies can provide quotes in Texas. In order to find the best cheap auto insurance in TX, it’s a good idea that you click on several of them in order to find the most affordable rates.

Analysis of Dodge Charger rates

The information shown next outlines estimates of insurance coverage prices for Dodge Charger models. Learning as much as possible about how insurance prices are figured can benefit drivers when making smart buying decisions.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Table data does not factor in your specific Laredo location which can revise insurance rates considerably.

Higher deductibles save money

When comparing insurance rates, the most common question is the level to set your comp and collision deductibles. The data tables below outline the rate difference of buying low and high comp and collision deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can affect prices noticeably.

Based on these figures, using a $250 deductible costs approximately $32 more each month or $384 each year than opting for the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 23 months between claim filings, you would probably save some money if you choose the higher deductible.

The diagram below shows how different deductible levels and can affect Dodge Charger insurance prices for different age groups. The prices are based on a single male driver, comp and collision included, and no discounts are applied.

Cautious drivers save money

The example below illustrates how speeding tickets and at-fault accidents can impact Dodge Charger auto insurance costs for different age groups. The premiums are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

How You Can Control Dodge Charger Insurance Premiums

It’s important that you understand a few of the rating criteria that help calculate the price you pay for car insurance. If you understand what impacts premium levels, this helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes a few of the “ingredients” utilized by car insurance companies to help set your rate level.

• Amount of liability insurance – Your policy’s liability coverage will protect you if ever a court rules you are at fault for damages caused by your negligence. Your liability coverage provides legal defense to defend your case. It is affordable coverage when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• Less chance of injury means lower prices – Safer cars get lower rates. Highly rated vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means less claims paid which can mean better rates for you. If your Dodge Charger has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
• Being married is a bonus – Having a significant other may save some money compared to being single. It means you’re less irresponsible and insurance companies reward insureds because drivers who are married file infrequent claims.
• Long commutes cost more – The more miles you rack up on your Dodge annually the higher your rates will be. Most companies calculate prices based on their usage. Autos that do not get driven very much receive lower rates than those used for commuting. Improper usage on your Charger may be wasting your money. It’s a good idea to make sure your car insurance declarations sheet properly reflects the correct usage for each vehicle.

• Insurance loss data for Dodge Charger vehicles – Companies analyze past claim statistics when they set coverage costs for each model. Vehicles that the statistics show to have a higher amount or frequency of claims will have higher premium rates. The next table illustrates the actual insurance loss data for Dodge Charger vehicles.

  For each coverage type, the claim amount for all vehicles as a whole is considered to be 100. Values below 100 suggest a better than average loss history, while numbers shown that are more than 100 point to more frequent losses or an increased likelihood of larger losses.

  
  

  Dodge Charger Insurance Claim Statistics

  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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Affordable rates on Dodge Charger insurance in Laredo with these discounts

Companies don’t always advertise every available discount in an easy-to-find place, so the following list contains a few of the more common and the more hidden auto insurance savings.

• Life Insurance Discount – Some companies give a discounted auto insurance rate on car insurance if you buy a life insurance policy as well.
• Student in College – Any of your kids who live away from home to go to college without a vehicle on campus can receive lower rates.
• Payment Method – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
• Smart Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Low Miles Discount – Driving less may enable drivers to earn discounted auto insurance rates on garaged vehicles.
• Government Employees – Federal government employees could provide a small rate reduction but check with your company.
• Theft Prevention System – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your Laredo car insurance quote.
• Sign Early and Save – A few larger companies allow discounts for signing up prior to your current Charger insurance policy expiring. Ten percent is about the average savings.
• Home Ownership Discount – Owning a home in Laredo can save you money because it shows financial diligence.

Drivers should understand that most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, that’s just not realistic.

The information below visualizes the comparison of Dodge Charger insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, homeowner, multi-car, and claim-free discounts applied.

If you would like to see a list of companies that have a full spectrum of discounts in Laredo, click this link.

Compare prices but still have a local Laredo insurance agency

A lot of people just want to get professional advice from a licensed agent and often times that is recommended Good agents are highly skilled in risk management and give you someone to call. The biggest benefit of comparing rate quotes online is that you can find cheaper rates but also keep your business local. Buying from local insurance agencies is important particularly in Laredo.

Upon completion of this simple form, your insurance coverage information is instantly submitted to local insurance agents who will give competitive quotes for your coverage. You won’t even need to search for an agent due to the fact that quote results will go immediately to you. In the event you want to compare prices from a particular provider, you would need to jump over to their website and submit a quote form there.

Finding the right insurer should depend on more than just a cheap quote. The answers to these questions are important, too.

• Do they specialize in personal lines coverage in Laredo?
• How much can you save by raising your physical damage deductibles?
• Can you use your own choice of collision repair facility?
• How much experience to they have in personal lines coverages?
• Is coverage determined by price?
• Which company do they place the most coverage with?

Get the best coverage at the most affordable price

There are still a few companies who may not provide the ability to get quotes online and these regional carriers only sell coverage through independent agencies. Budget-friendly auto insurance in Laredo can be bought both online and with local Laredo insurance agents, and you should be comparing both to have the best selection.

When buying insurance coverage, never buy less coverage just to save a little money. There have been many cases where consumers will sacrifice liability limits or collision coverage to discover at claim time that they should have had better coverage. Your objective should be to find the BEST coverage for the lowest price.

How to find low-cost Dodge Charger insurance in Laredo

The easiest way to get the cheapest auto insurance rates in Laredo is to compare prices annually from providers who sell auto insurance in Texas. You can compare rates by following these guidelines.

• First, try to understand the different coverages in a policy and the factors you can control to prevent high rates. Many things that cause rate increases such as distracted driving and an imperfect credit history can be rectified by making small lifestyle or driving habit changes.
• Second, compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while independent agencies can quote prices from multiple sources. Compare rates
• Third, compare the price quotes to your existing policy and determine if cheaper Charger coverage is available. If you find better rates and change companies, verify that coverage does not lapse between policies.

One key aspect of rate comparisons is to try to use the same level of coverage on every quote request and and to look at all possible companies. Doing this provides a fair rate comparison and a thorough selection of prices.

Additional information

• Side Impact Crash Tests (iihs.org)
• How Much are Laredo Auto Insurance Quotes for Used Cars? (FAQ)
• Who Has the Cheapest Laredo Auto Insurance for Drivers with Good Credit? (FAQ)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Anti-Lock Brake FAQ (iihs.org)
• Distracted Driving (Insurance Information Institute)