If saving money is your primary concern, then the best way to get the cheapest car insurance rates in Dallas is to compare prices once a year from insurance carriers in Texas. Prices can be compared by following these steps.
Step 1: Take a little time to learn about car insurance and the factors you can control to drop your rates. Many rating criteria that cause rate increases such as at-fault accidents, careless driving, and a negative credit score can be eliminated by making minor changes in your lifestyle.
Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive and State Farm, while independent agencies can quote prices from many different companies.
Step 3: Compare the new quotes to the price on your current policy to determine if you can save on Charger insurance in Dallas. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.
One piece of advice is to make sure you’re comparing the same deductibles and limits on every quote and to quote with as many companies as feasibly possible. Doing this provides an accurate price comparison and a complete price analysis.
It’s an obvious conclusion that auto insurance companies want to keep you from comparing prices. People who shop around for a cheaper policy will presumably buy a new policy because they have good chances of finding lower prices. Remarkably, a study showed that consumers who did price comparisons regularly saved about $865 annually compared to those who never compared other company’s rates.
If finding the most affordable auto insurance is your ultimate objective, then having some insight into how to choose a company and compare auto insurance can make the process more efficient.
If you have a policy now or just want to save money, you can follow these tips to find the best rates without reducing protection. Locating the best rates in Dallas is not that difficult as long as you know where to start. Drivers just need to understand the proper methods to shop from multiple carriers.
Get cheap rates with discounts
Not too many consumers would say insurance is affordable, but you may find discounts to help bring down the price. A few discounts will be applied when you get a quote, but lesser-known reductions have to be requested specifically before they will apply. If you are not receiving all the discounts possible, you are throwing money away.
- Driver’s Ed – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
- Senior Discount – Older drivers could receive a slight reduction on a Dallas car insurance quote.
- Multi-line Discount – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
- Early Switch Discount – Some insurance companies provide a discount for signing up before your current expiration date. This can save 10% or more.
- Theft Deterrent Discount – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and will save you 10% or more on Charger insurance in Dallas.
Don’t be shocked that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, you aren’t that lucky.
The illustration below illustrates the difference between Dodge Charger car insurance rates with and without discounts applied to the premium. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, safe-driver, multi-policy, and homeowner discounts applied.
Auto insurance companies that have these discounts include:
If you need lower rates, check with each company which credits you are entitled to. Discounts may not apply to policyholders everywhere.
The auto insurance companies shown below offer free quotes in Dallas, TX. If multiple providers are shown, we recommend you visit two to three different companies to get the most affordable price.
Car insurance statistics for a Dodge Charger
The coverage table shown next outlines a range of policy rates for Dodge Charger models. Being able to understand how rates are established can help guide drivers when making decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Charger 3.5 AWD||$344||$472||$624||$36||$186||$1,662||$139|
|Charger SXT AWD||$344||$472||$624||$36||$186||$1,662||$139|
|Charger Rallye AWD||$344||$542||$624||$36||$186||$1,732||$144|
|Charger R/T AWD||$378||$542||$624||$36||$186||$1,766||$147|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in your specific Dallas location which can alter coverage prices significantly.
Safe drivers pay less for car insurance
The information below shows how speeding tickets and fender-benders can impact Dodge Charger insurance costs for different age groups. The premium estimates are based on a single female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
Male drivers compared to female drivers in Dallas
The illustration below shows the difference between Dodge Charger premium costs for male and female drivers. The data is based on no violations or claims, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.
Lower Insurance Rates with These Tips
One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that help calculate your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that could result in cheaper rates.
The factors shown below are some of the factors used by companies to determine prices.
Raising deductibles lowers prices – Physical damage deductibles state the amount of money you are willing to pay out-of-pocket if a claim is determined to be covered. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims are colliding with a stationary object, vandalism, and having a roll-over accident. The more money you choose to pay out-of-pocket, the lower your rates will be.
Prices impacted by vehicle usage – Driving more miles in a year’s time the more it will cost to insure it. A lot of insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars left parked in the garage receive lower rates than vehicles that are driven to work every day. It’s a smart idea to ensure your car insurance policy is rated on the correct usage. Having the wrong rating on your Charger can result in significantly higher rates.
Premiums are affected by your credit history – An insured’s credit rating is a big factor in determining your rates. Insureds that have very high credit ratings tend to be better risks to insure as compared to drivers with worse credit. If your credit score is low, you could be paying less to insure your Dodge Charger by taking the time to improve your credit score.
Do you work long hours in a tough job? – Occupational choices like fire fighters, business owners, and emergency personnel are shown to have higher premium rates due to intense work-related stress and incredibly demanding work hours. Conversely, professions such as actors, athletes and retirees get better rates.
Insurance rates and vehicle performance – The performance level of the car, truck or SUV you are trying to find cheaper insurance for makes a substantial difference in your rates. The lowest base rates will normally be found when insuring small economy passenger vehicles, but your final cost has many other factors.
The chart below uses these variables: married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. The chart compares Dodge Charger insurance premiums compared to other vehicles that have different risk factors.
Know your vehicle’s IIHS safety rating – Vehicles with good safety scores get lower rates. The safest vehicles reduce injuries and any reduction in injury severity means your insurance company pays less which can mean better rates for you.
Insurance loss data for Dodge Charger vehicles – Car insurance companies use claims history to help determine costs. Models that historically have high amounts or severity of claims will cost more to insure. The table below demonstrates the insurance loss data for Dodge Charger vehicles.
For each coverage type, the claim probability for all vehicles averaged together is a value of 100. Values that are 100 or less suggest a better than average loss history, while values over 100 point to more losses or tendency to have larger claims.
|Specific Dodge 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|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Local Dallas insurance agents and car insurance
A small number of people would prefer to visit with an insurance agent and that can be a great decision Professional insurance agents are very good at helping people manage risk and will help you if you have claims. The biggest benefit of getting free rate quotes online is you can get cheap car insurance rates but still work with a licensed agent. Putting coverage with neighborhood agents is still important in Dallas.
For easy comparison, once you complete this form (opens in new window), the quote information is transmitted to companies in Dallas who will gladly provide quotes for your business. It’s much easier because you don’t need to leave your house because prices are sent to you. If you need to compare rates from a specific insurance company, feel free to find their quoting web page and give them your coverage information.
When finding a local agent, there are a couple of types of agencies and how they operate. Insurance agencies in Dallas are categorized either exclusive agents or independent agents. Either one can insure your vehicles, but it’s important to point out the subtle differences since it can affect which type of agent you select.
Independent Car Insurance Agents (or Brokers)
Agents that choose to be independent can quote rates with many companies and that enables them to quote your coverage with any number of different companies and find you the best rates. If they find a lower price, they simply move your policy to a different company which is easy for the insured.
When comparison shopping, we recommend you get several quotes from multiple independent agents to get the best comparison.
The following is a small list of independent agencies in Dallas that can possibly get you price quote information.
Exclusive Insurance Agents
Exclusive agents write business for a single company like Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to place coverage with different providers so it’s a take it or leave it situation. These agents are trained well on the products they sell which helps them sell insurance even at higher premiums.
Listed below are exclusive insurance agencies in Dallas that are able to give price quotes.
Finding the right insurance agency requires you to look at more than just a cheap quote. Below are some questions you should ask.
- How often do they review policy coverages?
- Do they feel the quoted coverages are adequate?
- Are they paid to recommend certain coverages?
- Are they actively involved in the community?
- Where would your vehicle be repaired?
- What kind of financial rating does the company have?
Why you need insurance for your vehicle
Despite the high cost of buying insurance for a Dodge Charger in Dallas, insurance is not optional due to several reasons.
- Almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability protection in order to be legal. 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 Charger with a loan, it’s guaranteed your bank will make it a condition of the loan that you buy insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Dodge for a lot more money and require you to reimburse them the higher price.
- Insurance safeguards not only your car but also your financial assets. It also can pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay to defend you if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of insuring your Charger are definitely more than the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $869 every year so we recommend shopping around every year to make sure the price is not too high.
The best rates come from being thorough
We just covered some good ideas how you can compare Dodge Charger insurance rates in Dallas. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding the cheapest Dodge Charger rate quotes. Consumers could even find that the most savings is with some of the smallest insurance companies. These companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as State Farm or Progressive.
When getting Dallas car insurance quotes online, you should never reduce needed coverages to save money. In many instances, someone dropped liability limits or collision coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.
More information can be read at the links below
- Cellphones, Texting and Driving (iihs.org)
- Who Has Cheap Car Insurance Rates for Welfare Recipients in Dallas? (FAQ)
- How Much is Dallas Auto Insurance for State Employees? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a 20 Year Old Female in Dallas? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers Over Age 70 in Dallas? (FAQ)
- What Car Insurance is Cheapest for Immigrants in Dallas? (FAQ)
- Information for Teen Drivers (GEICO)
- Crash Avoidance Technologies FAQ (iihs.org)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- What does Personal Injury Protection (PIP) Cover? (Allstate)