Discount Dodge Charger insuranceHas it been over a year since you last compared quotes for the cheapest Dodge Charger insurance in St. Louis? Finding lower priced St. Louis Dodge Charger insurance quotes may be challenging for people that are not comfortable with quoting and comparing rates online. With so many insurance agents and companies competing online, how can anyone efficiently compare all the different companies and get better rates?

Shocking but true, most auto insurance policyholders kept their policy with the same company for a minimum of four years, and 38% of drivers have never shopped around. Missouri drivers could save 25% a year just by getting comparison quotes, but they don't want to spend time to compare other rate quotes.

Smart consumers take time to get comparison quotes yearly due to the fact that insurance prices change frequently. If you had the best quotes on Dodge Charger insurance in St. Louis last year you will most likely find a better rate today. Ignore everything you know about auto insurance because it's time to teach you one of the easiest ways to remove unneeded coverages and save money.

When comparison shopping, there are several ways of comparing rate quotes from lots of Missouri insurance companies. One of the best ways to compare Dodge Charger insurance prices is simply to get online rate quotes. Just remember that obtaining a wide range of quotes will improve the odds of getting lower pricing.

The companies shown below are our best choices to provide price quotes in St. Louis, MO. If multiple providers are shown, it's highly recommended you visit several of them to get the lowest price.

Dodge Charger Insurance Rates in St. Louis, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $156 $252 $340 $20 $102 $870 $73
Charger $248 $478 $376 $22 $112 $1,236 $103
Charger AWD $180 $322 $350 $20 $104 $976 $81
Charger 3.5 AWD $178 $316 $450 $26 $134 $1,104 $92
Charger SXT $202 $348 $320 $18 $96 $984 $82
Charger SXT AWD $328 $488 $436 $26 $130 $1,408 $117
Charger Rallye $180 $340 $376 $22 $112 $1,030 $86
Charger R/T $154 $334 $432 $26 $130 $1,076 $90
Charger Rallye AWD $280 $550 $340 $20 $102 $1,292 $108
Charger R/T AWD $260 $432 $342 $20 $102 $1,156 $96
Charger SRT-8 $274 $578 $376 $22 $112 $1,362 $114
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in vehicle location which can influence coverage prices substantially.

Price comparison of only insuring for liability

The information below shows the comparison of Dodge Charger insurance prices with full physical damage coverage and with liability coverage only. The premiums are based on no violations or claims, $500 deductibles, single male driver, and no discounts are applied to the premium.

When to stop paying for full coverage

There is no set rule for eliminating full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Dodge Charger claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after you pay the deductible. If it's costing you more than $700 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some situations where only buying liability is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Physical damage deductibles

When buying auto insurance, a common question is how low should you set your deductibles. The following tables may aid in understanding the costs and benefits between low and high physical damage coverage deductibles. The first set of prices uses a $100 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Dodge Charger insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $288 $488 $332 $20 $100 $1,253 $104
Charger $288 $488 $332 $20 $100 $1,253 $104
Charger AWD $288 $488 $332 $20 $100 $1,253 $104
Charger 3.5 AWD $288 $488 $332 $20 $100 $1,253 $104
Charger SXT $288 $488 $332 $20 $100 $1,253 $104
Charger SXT AWD $288 $488 $332 $20 $100 $1,253 $104
Charger Rallye $288 $488 $332 $20 $100 $1,253 $104
Charger R/T $288 $562 $332 $20 $100 $1,327 $111
Charger Rallye AWD $288 $562 $332 $20 $100 $1,327 $111
Charger R/T AWD $318 $562 $332 $20 $100 $1,357 $113
Charger SRT-8 $318 $562 $332 $20 $100 $1,357 $113
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Dodge Charger insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $160 $258 $332 $20 $100 $870 $73
Charger $160 $258 $332 $20 $100 $870 $73
Charger AWD $160 $258 $332 $20 $100 $870 $73
Charger 3.5 AWD $160 $258 $332 $20 $100 $870 $73
Charger SXT $160 $258 $332 $20 $100 $870 $73
Charger SXT AWD $160 $258 $332 $20 $100 $870 $73
Charger Rallye $160 $258 $332 $20 $100 $870 $73
Charger R/T $160 $296 $332 $20 $100 $908 $76
Charger Rallye AWD $160 $296 $332 $20 $100 $908 $76
Charger R/T AWD $176 $296 $332 $20 $100 $924 $77
Charger SRT-8 $176 $296 $332 $20 $100 $924 $77
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in specific zip code location which can lower or raise premium rates noticeably.

Based on the figures above, using a $100 deductible would cost the average driver about $33 more each month or $396 for a full year than selecting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 27 months between claim filings, you would come out ahead if you choose a higher deductible.

Rate comparison for different deductibles

The example below shows how different deductible levels and can increase or decrease Dodge Charger annual premium costs for different age groups. The data is based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Choosing Dodge vehicle insurance is an important decision

Despite the high cost of buying insurance for a Dodge Charger in St. Louis, insurance serves several important purposes.

First, almost all states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability protection in order to be legal. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your vehicle has a loan, most banks will require you to carry insurance to ensure loan repayment if the vehicle is totalled. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Dodge at a significantly higher premium and force you to reimburse them for the much more expensive policy.

Third, insurance protects both your car and your assets. It will also cover hospital and medical expenses that are the result of an accident. Liability insurance also covers legal expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly when you have a large claim. According to a recent study, the average American driver overpays more than $700 annually so we recommend shopping around every year to save money.

Dodge Charger Insurance Rates Can Be Cheaper

Smart consumers have a good feel for some of the factors that help calculate your insurance rates. If you have some idea of what impacts premium levels, this helps enable you to make changes that will entitle you to better insurance rates. Many things are considered when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but others are less apparent such as your credit history or your vehicle rating.

The factors shown below are a partial list of the pieces used by your company to calculate your rates.

Rates are affected by your address - Choosing to live in a small town can be a good thing when talking about insurance. Less people living in that area means reduced accidents and lower theft and vandalism rates. Urban drivers regularly have much more traffic and more time behind the wheel. More time behind the wheel means more chance of being in an accident.

Discounts for married drivers - Your spouse actually saves money when buying insurance. Having a spouse means you're more stable financially and statistics show married couples file fewer claims.

Pleasure use or commuting - Driving more miles in a year the more you'll pay to insure it. Many insurance companies charge rates based upon how much you drive. Vehicles that sit idle most of the time can get a lower rate than those that get driven frequently. It's a good idea to make sure your vehicle rating is rated on the right rating data. Incorrect rating for your Charger can result in significantly higher rates.

Teenagers vs. mature drivers - Inexperience drivers have a tendency to be less responsible in a vehicle so insurance rates are higher. Older people are shown to be more cautious, cause fewer claims and accidents, and are generally more financially stable.

Reserve insurance claims for larger damages - Auto insurance companies in Missouri generally give discounts to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for larger claims.

High comp and collision deductibles cost less - The deductibles you choose define the amount you are required to spend if a covered claim is submitted. Coverage for physical damage, aka comp and collision, is used to repair damage to your car. Some coverage claims are collision with another vehicle, hail damage, and damage from wind. The more of the claim you have to pay, the lower your rates will be.

Cars with good safety ratings cost less to insure - Safer cars are cheaper to insure. Safe vehicles help reduce the chance of injuries in an accident and fewer serious injuries means less claims paid and thus lower rates.

Avoid traffic tickets - Being a careful driver has a lot to do with how much you pay for insurance. Careful drivers pay less for auto insurance compared to bad drivers. Having a single speeding ticket or other violation can increase the cost of insurance twenty percent or more. Drivers who get license-revoking violations like DUI, reckless driving or excessive speeding may find that they have to to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.

Insurance loss probability for a Dodge Charger - Insurers analyze past claim statistics to calculate a price that will offset losses. Models that the data shows to have a trend towards higher claims will cost more for coverage.

The table below illustrates the insurance loss data for Dodge Charger vehicles. For each insurance policy coverage type, the claim amount for all vehicles, regardless of make or model, is a value of 100. Values that are under 100 suggest a better than average loss history, while values that are 100 or greater point to more frequent losses or tendency to have higher losses.

Dodge Charger Insurance Claim Statistics

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
BETTER
AVERAGE
WORSE

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

Get cheaper Dodge Charger insurance rates in St. Louis

Some companies don't always publicize every policy discount very well, so the following is a list of some of the more common as well as some of the hidden discounts that you may qualify for.Discount insurance

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 cost of specific coverages such as medical payments or collision. So even though they make it sound like you can get free auto insurance, insurance companies aren't that generous.

Some of the larger companies that may offer policyholders these discounts include:

Before you buy a policy, ask all the companies what discounts are available to you. Some discounts listed above may not apply to policyholders in your area. To view providers that offer multiple discounts in St. Louis, click this link.

Different people need different insurance coverages

When quoting and comparing a policy, there is no one-size-fits-all type of policy. Everyone's situation is unique and your insurance should be unique as well.Higher deductibles save money These are some specific questions might help in determining if your situation would benefit from professional advice.

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

Get rate quotes but work with a local neighborhood St. Louis car insurance agent

A small number of people would prefer to sit down with an agent and that is not a bad decision The biggest benefit of comparing rate quotes online is you may find cheap auto insurance quotes but still work with a licensed agent.

For easy comparison, once you complete this form (opens in new window), the coverage information is emailed to local insurance agents in St. Louis that can give you free St. Louis auto insurance quotes to get your business. It makes it easy because there is no need to visit any agencies as quotes are delivered to you. You can get cheaper auto insurance rates without a big time investment. If you want to compare rates from a specific company, don't hesitate to find their quoting web page and complete a quote there.

Selecting an insurance company shouldn't rely on just the bottom line cost. Below are some questions you should ask.

If you want a reputable agency, there are a couple of different agency structures and how they can write your policy. Agents can be categorized as either independent or exclusive depending on the company they work for.

Exclusive Agents

Exclusive agents can usually just insure with one company such as Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive insurance agents are usually well trained on what they offer which helps offset the inability to provide other markets. A lot of people buy insurance from these agents mostly because of the brand name instead of buying on price only.

Listed below are exclusive insurance agencies in St. Louis that are able to give comparison quotes.

More insurance agents

Independent Agencies or Brokers

Agents in the independent channel are not limited to a single company and that is an advantage because they can write policies with an assortment of companies and find you cheaper rates. If they find a lower price, they simply move your policy to a different company and you can keep the same agent. When comparing auto insurance prices, you should always check rates from a couple of independent agencies to have the best price comparison. Many independent agencies also insure through additional companies that you may not be familiar with who may have lower rates.

The following are St. Louis independent insurance agencies willing to provide price quotes.

More insurance agents

Once you have good feedback to these questions as well as a affordable price, most likely you have located an insurance agency that meets the requirements to service your policy. Just understand that you are able to terminate your policy when you choose so don't feel you're contractually obligated to any specific agency for the entire policy term.

You can lower your insurance rates

Throughout this article, we presented many tips how you can lower your Dodge Charger insurance premium rates in St. Louis. The most important thing to understand is the more you quote St. Louis auto insurance, the better your comparison will be. Consumers may even find the lowest priced insurance comes from the least-expected company. These companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

Lower-priced insurance in St. Louis can be purchased both online as well as from insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not provide rates over the internet and usually these small insurance companies sell through independent insurance agencies.

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