Really, the only way to get budget Dodge Charger insurance is to compare quotes once a year from insurers who provide auto insurance in Lincoln.
First, learn about how insurance companies determine prices and the changes you can make to prevent expensive coverage. Many policy risk factors that drive up the price like speeding and a negative credit rating can be controlled by making minor driving habit or lifestyle changes.
Second, request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from many different companies.
Third, compare the quotes to your current policy and determine if there is any savings. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide written notification to your current company of your decision to cancel your current coverage and submit the completed application along with a down payment to your new carrier. As soon as you have the new policy, store the certificate verifying coverage somewhere easily accessible.
An important note is that you’ll want to compare similar deductibles and liability limits on every quote request and to quote with as many auto insurance providers as possible. This helps ensure an accurate price comparison and the best price quote selection.
Amazingly, a large majority of drivers have bought insurance from the same company for over three years, and virtually 40% of consumers have never compared rates with other companies. Lincoln consumers can cut their rates by nearly 30% a year, but they just assume it’s a time-consuming process to find cheap insurance rates.
Finding cheaper Lincoln auto insurance prices is pretty simple and can save money. The only thing you need to do is take time comparing rates online with multiple companies.
The following companies are ready to provide price comparisons in Lincoln, NE. If you wish to find cheap car insurance in Nebraska, it’s highly recommended you visit as many as you can to get the most affordable price.
Lower rates by qualifying for discounts
Companies offering auto insurance do not advertise all available discounts in a way that’s easy to find, so the below list has a few of the more well known as well as some of the hidden credits available to you.
- Good Student – Getting good grades can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
- Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education as it can save substantially.
- Club Memberships – Being in a civic or occupational organization in Lincoln could earn you a nice discount on your bill.
- New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because new model year vehicles keep occupants safer.
- Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can receive discounts as much as 30%.
- E-sign Discounts – Some companies will discount your bill up to fifty bucks for buying your policy on the internet.
- Discounts for Federal Employees – Employees or retirees of the government can save as much as 8% depending on your company.
- Life Insurance – Some insurance carriers give a discount if you purchase some life insurance in addition to your auto policy.
Don’t be surprised that most of the big mark downs will not be given to the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, you aren’t that lucky.
The chart below shows the difference between Dodge Charger insurance prices with and without some available policy discounts. The premiums assume a female driver, a clean driving record, no claims, Nebraska state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, safe-driver, claim-free, and multi-policy discounts applied.
If you would like to view companies with discount rates in Nebraska, follow this link.
Dodge Charger insurance charts and tables
The premium table below outlines different insurance premium costs for Dodge Charger models. Understanding how insurance prices are calculated can benefit drivers when making smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Charger 3.5 AWD||$200||$356||$506||$30||$152||$1,244||$104|
|Charger SXT AWD||$200||$356||$506||$30||$152||$1,244||$104|
|Charger Rallye AWD||$200||$410||$506||$30||$152||$1,298||$108|
|Charger R/T AWD||$220||$410||$506||$30||$152||$1,318||$110|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in your specific Lincoln location which can influence rates considerably.
Dodge Charger insurance premiums by gender and age
The chart below illustrates the difference between Dodge Charger car insurance rates for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Smart Consumers Know How to Get Auto Insurance at a Discount
Lots of factors are considered when premium rates are determined. A few of the factors are predictable such as your driving record, although others are less obvious such as whether you are married or your vehicle rating.
Better credit means lower costs – Your credit score can be an important factor in your rate calculation. Drivers with very high credit ratings tend to be more responsible than drivers with poor credit. If your credit rating is lower than you’d like, you could potentially save money when insuring your Dodge Charger by improving your rating.
Bump up physical damage deductibles to lower rates – Physical damage deductibles are how much you are required to pay if you file a covered claim. Insurance for physical damage to your car, also called comprehensive and collision insurance, protects your car from damage. Some examples of covered claims are a windshield broken by a bird, fire damage, and damage caused by road hazards. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance.
Rural areas have lower premiums – Being located in a rural area has it’s advantages when trying to find low car insurance rates. Drivers in populated areas tend to have more aggressive driving styles and longer commute times. Fewer people translates into fewer accident claims and lower theft and vandalism rates.
Do you have a demanding employer? – Did you know your job can affect your rates? Occupations such as real estate brokers, airline pilots, and miners usually pay higher premiums than the average policyholder because of high stress levels and incredibly demanding work hours. On the flip side, jobs like actors, students and performers have lower than average premiums.
The type of car makes a difference – The performance of the vehicle you are buying insurance for makes a huge difference in the rate you pay. The lowest rates are usually found on low performance passenger models, but the cost you end up paying is determined by many additional factors.
The following data uses these assumptions: married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. The data compares Dodge Charger insurance rates compared to other makes and models that have a range of performance risks.
How many coverages with the same company – Most larger companies will give discounts to clients who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can be as much as ten percent or more Even if you already get this discount, it’s still a good idea to compare other Lincoln Charger insurance rates to help guarantee you have the best rates. Consumers may find lower rates by buying from different companies
Insurance loss statistics a Dodge Charger – Insurers use past loss statistics for each vehicle when setting premium rates. Models that have higher prevalence or dollar amount of losses will cost more for coverage.
The data below shows the historical loss data for Dodge Charger vehicles. For each policy coverage, the claim amount for all vehicles averaged together is considered to be 100. Values that are under 100 suggest a positive loss record, while percentage numbers above 100 point to more frequent losses or tendency to have larger claims.
|Vehicle 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|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years