The easiest way to get discount Dodge Charger insurance in Chandler is to make a habit of regularly comparing prices from insurers who sell insurance in Arizona.
- Step 1: Get an understanding of policy coverages and the modifications you can make to drop your rates. Many rating factors that result in higher prices such as at-fault accidents, careless driving, and a bad credit score can be eliminated by improving your driving habits or financial responsibility. This article gives additional tips to help prevent high rates and get bigger discounts.
- Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while independent agents can provide prices from many different companies. Select a company
- Step 3: Compare the price quotes to your existing coverage and determine if cheaper Charger coverage is available in Chandler. If you can save some money and change companies, ensure coverage does not lapse between policies.
The key thing to know about shopping around is to use similar deductibles and liability limits on every price quote and and to analyze as many carriers as you can. This enables the most accurate price comparison and the best rate selection.
It’s amazing but the vast majority of drivers have been with the same company for well over three years, and about 40% of consumers have never shopped around. Chandler drivers could pocket nearly $733 a year by just comparing quotes, but they don’t want to spend time to save money by comparing rate quotes.
When comparison shopping, there are several ways of comparing price quotes from insurance companies in your area. The quickest method to comparison shop is to get quotes online.
When quoting insurance, remember that comparing more rates from different companies will increase your chances of finding more affordable insurance.
The companies shown below offer free rate quotes in Chandler, AZ. If you want the best cheap auto insurance in Arizona, we recommend you get rate quotes from several of them to find the most affordable car insurance rates.
Companies offer money-saving discounts on Dodge Charger insurance in Chandler
Not too many consumers would say car insurance is affordable, but you may be missing some discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you get a quote, but a few need to be asked for before you get the savings.
- Defensive Driver – Participating in a class that teaches safe driver techniques could save 5% or more and make you a better driver.
- Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions so you can save 10 percent or more.
- Responsible Driver Discounts – Insureds who avoid accidents may save up to 50% more than drivers with accident claims.
- Accident Waiver – Not necessarily a discount, but some companies like Progressive and Allstate will forgive one accident without getting socked with a rate hike if your claims history is clear for a particular time prior to the accident.
- Claim Free – Drivers with accident-free driving histories can save substantially when compared with drivers with a long claim history.
- Low Mileage – Low annual miles may enable drivers to earn lower premium rates due to less chance of an accident.
- Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a discount if you purchase life insurance from them.
Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you can get free auto insurance, car insurance companies aren’t that generous.
The information below illustrates the comparison of Dodge Charger insurance costs with and without some available policy discounts. The premium estimates are based on a male driver, no accidents, no driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, homeowner, multi-car, and multi-policy discounts applied.
Larger car insurance companies and a partial list of their discounts are detailed below.
- American Family offers premium reductions for accident-free, early bird, Steer into Savings, TimeAway discount, and multi-vehicle.
- State Farm has savings for multiple autos, anti-theft, driver’s education, defensive driving training, safe vehicle, and Steer Clear safe driver discount.
- 21st Century policyholders can earn discounts including homeowners, 55 and older, driver training, early bird, anti-lock brakes, theft prevention, and student driver.
- Travelers may include discounts for home ownership, driver training, new car, IntelliDrive, hybrid/electric vehicle, and multi-policy.
- GEICO includes discounts for anti-lock brakes, multi-policy, good student, air bags, and military active duty.
Before you buy a policy, ask every insurance company what discounts are available to you. Some discounts may not be offered in Chandler. If you would like to choose from a list of providers with the best Dodge Charger insurance discounts in Arizona, click here to view.
Rates and data analysis
The data table below covers estimates of policy rates for Dodge Charger models. Learning more about how rates are figured is important for making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $282 | $450 | $382 | $22 | $114 | $1,250 | $104 |
| Charger | $282 | $450 | $382 | $22 | $114 | $1,250 | $104 |
| Charger AWD | $282 | $450 | $382 | $22 | $114 | $1,250 | $104 |
| Charger 3.5 AWD | $282 | $450 | $382 | $22 | $114 | $1,250 | $104 |
| Charger SXT | $282 | $450 | $382 | $22 | $114 | $1,250 | $104 |
| Charger SXT AWD | $282 | $450 | $382 | $22 | $114 | $1,250 | $104 |
| Charger Rallye | $282 | $450 | $382 | $22 | $114 | $1,250 | $104 |
| Charger R/T | $282 | $518 | $382 | $22 | $114 | $1,318 | $110 |
| Charger Rallye AWD | $282 | $518 | $382 | $22 | $114 | $1,318 | $110 |
| Charger R/T AWD | $312 | $518 | $382 | $22 | $114 | $1,348 | $112 |
| Charger SRT-8 | $312 | $518 | $382 | $22 | $114 | $1,348 | $112 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can affect rates noticeably.
Raise deductibles and save
One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The rates below may help to conceptualize the differences in price between high and low physical damage coverage deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $324 | $548 | $374 | $22 | $112 | $1,405 | $117 |
| Charger | $324 | $548 | $374 | $22 | $112 | $1,405 | $117 |
| Charger AWD | $324 | $548 | $374 | $22 | $112 | $1,405 | $117 |
| Charger 3.5 AWD | $324 | $548 | $374 | $22 | $112 | $1,405 | $117 |
| Charger SXT | $324 | $548 | $374 | $22 | $112 | $1,405 | $117 |
| Charger SXT AWD | $324 | $548 | $374 | $22 | $112 | $1,405 | $117 |
| Charger Rallye | $324 | $548 | $374 | $22 | $112 | $1,405 | $117 |
| Charger R/T | $324 | $632 | $374 | $22 | $112 | $1,489 | $124 |
| Charger Rallye AWD | $324 | $632 | $374 | $22 | $112 | $1,489 | $124 |
| Charger R/T AWD | $358 | $632 | $374 | $22 | $112 | $1,523 | $127 |
| Charger SRT-8 | $358 | $632 | $374 | $22 | $112 | $1,523 | $127 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $180 | $290 | $374 | $22 | $112 | $978 | $82 |
| Charger | $180 | $290 | $374 | $22 | $112 | $978 | $82 |
| Charger AWD | $180 | $290 | $374 | $22 | $112 | $978 | $82 |
| Charger 3.5 AWD | $180 | $290 | $374 | $22 | $112 | $978 | $82 |
| Charger SXT | $180 | $290 | $374 | $22 | $112 | $978 | $82 |
| Charger SXT AWD | $180 | $290 | $374 | $22 | $112 | $978 | $82 |
| Charger Rallye | $180 | $290 | $374 | $22 | $112 | $978 | $82 |
| Charger R/T | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Charger Rallye AWD | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Charger R/T AWD | $198 | $334 | $374 | $22 | $112 | $1,040 | $87 |
| Charger SRT-8 | $198 | $334 | $374 | $22 | $112 | $1,040 | $87 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in garaging location in Chandler which can change coverage prices noticeably.
We can derive from the above data that using a $100 deductible will cost you approximately $37 more each month or $444 a year averaged for all Charger models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 24 months between claims, you would probably be better off if you choose the higher deductible.
Does it make sense to buy full coverage?
The information below visualizes the comparison of Dodge Charger insurance rates with full coverage compared to only the Arizona minimum liability coverage. The rates are based on no claims or driving citations, $500 deductibles, drivers are single, and no discounts are factored in.
Should you be buying full coverage?
There isn’t a steadfast formula for eliminating full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s assume your Dodge Charger claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after paying the physical damage deductible. If you are paying in excess of $800 annually for full coverage, then it might be time to buy liability only.
There are a few cases where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not buy liability only.
Dodge Charger Insurance Rate Factors
Many different elements are considered when quoting car insurance. A few of the factors are predictable like an MVR report, although some other factors are more transparent like your continuous coverage or your financial responsibility. It’s important that you understand the different types of things that come into play when calculating the price you pay for insurance. If you have some idea of what influences your rates, this empowers consumers to make smart changes that could result in lower insurance prices.
The itemized list below are a partial list of the pieces that factor into your premiums.
- Qualify for multi-policy discounts – Lots of companies afford a discount for people who carry more than one policy, otherwise known as a multi-policy discount. This can amount to ten or even fifteen percent. Even though this discount sounds good, it’s still a good idea to get quotes from other companies to make sure you are getting the best deal. You may still be able to save more without the discount by insuring with multiple companies.
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Mature drivers save more – Older people are proven to be safer behind the wheel, file fewer claims, and are generally more financially stable. Teen drivers are statistically shown to be inattentive and easily distracted when at the wheel of a vehicle therefore insurance rates are much higher.
The chart below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
- How much liability protection – Liability coverage is the protection if you are responsible for an accident. This coverage provides legal defense coverage up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so do not cut corners here.
- Marriage can lower premiums – Walking down the aisle actually saves money on your insurance bill. Having a significant other may mean you are more financially stable and it’s proven that married drivers tend to have fewer serious accidents.
- Policy lapses raise prices – Going without insurance can be a fast way to increase your renewal premiums. Not only will you pay more, being ticketed for driving with no insurance can result in a steep fine or even jail time.
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Dodge Charger claim statistics – Car insurance companies use past insurance losses when they calculate premium costs for each model. Vehicles that the statistics show to have higher number or severity of losses will have a higher premium rate. The data below shows the insurance loss data used by companies for Dodge Charger vehicles.
For each policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, equals 100. Percentage numbers below 100 are indicative of better than average losses, while percentage numbers above 100 point to more frequent losses or a tendency for claims to be larger.
Insurance Loss Ratings for Dodge Charger Vehicles Vehicle 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 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get rate quotes but still have a local Chandler insurance agency
Some consumers still like to buy from a licensed agent and that is just fine! An additional benefit of comparing insurance prices online is that you can find cheap car insurance quotes and still have a local agent.
Upon completion of this quick form, the coverage information is sent to insurance agents in Chandler who will give you bids for your car insurance coverage. It makes it easy because there is no need to drive around because quoted prices will be sent instantly to you. You can find better rates AND a local agent. If you want to get a price quote for a specific company, you can always navigate to their website and fill out the quote form the provide.
Selecting an company needs to be determined by more than just a low price. Below are some questions you should ask.
- If independent agents, which companies do they recommend?
- Is there a local claims center in Chandler?
- Does the company use OEM repair parts?
- How is replacement cost determined on your vehicle?
- Can you contact them at any time?
- Do they offer claims assistance after hours?
- Are there any discounts for paying up front?
- Do they specialize in personal lines coverage in Chandler?
When narrowing the list to find a reputable insurance agent or broker, it’s important to understand the types of agencies and how they are slightly different. Chandler agents can be classified as either independent or exclusive.
Exclusive Insurance Agents
Exclusive agencies are contracted to one company such as Allstate, Farmers Insurance or State Farm. These agents are not able to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents receive a lot of sales training on what they offer which helps them sell insurance even at higher premiums. A lot of people choose to use a exclusive agent mainly due to the prominent brand name and solid financial strength.
The following is a list of exclusive insurance agencies in Chandler who may provide you with price quote information.
- American Family Insurance – Michael Pinta Agency Inc.
5505 W Chandler Blvd Ste 19 – Chandler, AZ 85226 – (480) 785-1500 – View Map - Stacy Beatty – State Farm Insurance Agent
3165 S Alma School Rd Ste 27 – Chandler, AZ 85248 – (480) 855-0665 – View Map - State Farm: Tara Poaletti
300 N Gila Springs Blvd #150 – Chandler, AZ 85226 – (480) 659-5263 – View Map
Independent Agencies or Brokers
Agents that choose to be independent are not employed by any specific company so they can insure your vehicles with many different companies and find you cheaper rates. If they quote lower rates, they can switch companies in-house which is easy for the insured.
When comparison shopping, we highly recommend that you get rate quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. Many write coverage with smaller mutual companies which can save you money.
The following is a list of independent agents in Chandler willing to provide comparison quotes.
- Boudreaux, Jerrold Arizona Insurance SVC
393 W Warner Rd # 117 – Chandler, AZ 85225 – (480) 890-7900 – View Map - J L Pound Insurance Agency
12139 E Cloud Rd – Chandler, AZ 85249 – (602) 284-2141 – View Map - Legacy Insurance and Investment Group LLC
633 E Ray Rd #106 – Chandler, AZ 85225 – (480) 968-3655 – View Map
You may need specialized car insurance coverage
When it comes to choosing your policy, there is no one size fits all plan. Your financial needs are unique.
These are some specific questions may help highlight whether you may require specific advice.
- Are all vehicle passengers covered by medical payments coverage?
- Do I need roadside assistance coverage?
- Why is insurance for a teen driver so high in Chandler?
- Is my camper covered for physical damage?
- Who sells insurance for high-risk drivers?
- Is rental equipment covered for theft or damage?
- Does coverage extend to a rental car in a foreign country?
- Does low annual mileage earn a discount?
- When should I buy a commercial auto policy?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.
Cheaper auto insurance premiums are out there
There are still a few companies who may not offer rates over the internet and these regional insurance providers work with independent insurance agents. Cost effective Dodge Charger insurance is attainable on the web and with local Chandler insurance agents, and you should compare rates from both to get a complete price analysis.
Insureds switch companies for a number of reasons such as denial of a claim, policy cancellation, poor customer service and even policy non-renewal. No matter why you want to switch, switching auto insurance companies can be less work than you think.
In this article, we covered a lot of techniques to lower your Dodge Charger insurance prices in Chandler. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even be surprised to find that the lowest prices are with a lesser-known regional company.
Additional detailed information can be read at these sites:
- Teen Driving Statistics (iihs.org)
- How Much is Car Insurance for Teenagers in Chandler? (FAQ)
- What Insurance is Cheapest for Homeowners in Chandler? (FAQ)
- Who Has Cheap Chandler Car Insurance Quotes for Drivers Over Age 50? (FAQ)
- Who Has Affordable Car Insurance Quotes for Nurses in Chandler? (FAQ)
- What Insurance is Cheapest for 19 Year Olds in Chandler? (FAQ)
- Who Has the Cheapest Chandler Auto Insurance Rates for a Ford F-150? (FAQ)
- How Much is Auto Insurance for High Mileage Drivers in Chandler? (FAQ)
- What Insurance is Cheapest for a Nissan Altima in Chandler? (FAQ)
- How Much is Car Insurance for a Toyota Tacoma in Chandler? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)