Dodge Charger Insurance Rate Quotes in Philadelphia

Are you looking for low-cost insurance rates in Philadelphia, PA? Philadelphia drivers have a choice when trying to find affordable Dodge Charger insurance. You can either waste hours calling around getting price quotes or use the internet to find the lowest rates.

There are more efficient ways to buy insurance and you need to know the proper way to price shop coverage for your Dodge and find the cheapest rates from both online companies and Philadelphia agents.

Consumers need to check insurance prices every six months because prices are adjusted regularly by insurance companies. If you had the lowest rates on Dodge Charger insurance in Philadelphia at your last renewal you may be paying too much now. Forget all the misinformation about insurance because you’re about to find out the quickest way to reduce your cost while improving coverage.

Our goal in writing this article introduce you to the best way to buy inexpensive auto insurance and also save some money in the process If you already have coverage, you will be able to cut your premiums using the tips covered below. You just need to understand the quickest way to shop for auto insurance using one simple form.

Best companies for low-cost Dodge Charger insurance in Pennsylvania

The following companies have been selected to offer quotes in Philadelphia, PA. If multiple companies are listed, we recommend you click on several of them to find the most affordable auto insurance rates.

Dodge Charger insurance coverage information

The information shown below showcases different policy rates for Dodge Charger models. Having a better idea how insurance premiums are established can help you make decisions when choosing a new policy provider.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in vehicle location which can raise or lower price quotes substantially.

Deductible analysis

A question often asked by Philadelphia drivers is how high or low should comp and collision deductibles be. The rates shown below determine the rate differences between high and low physical damage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in specific Philadelphia garaging location which can influence insurance rates noticeably.

We can derive from the above data that using a $250 deductible would cost the average driver about $29 more each month or $348 for a full year than buying the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 26 months between claims, you would probably be better off if you decide on a higher deductible.

Impact of citations and accidents on Philadelphia insurance rates

The example below highlights how traffic violations and at-fault claims can raise Dodge Charger insurance rates for different insured age categories. The premiums are based on a single male driver, full coverage, $100 deductibles, and no other discounts are factored in.

Do you need full coverage?

The information below illustrates the difference between Dodge Charger insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The rates are based on no claims, a clean driving record, $250 deductibles, marital status is single, and no discounts are taken into consideration.

When to buy liability coverage only

There is no definitive guideline to stop buying full coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let’s say 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 you would get paid by your company is $7,000 after you pay the deductible. If you are paying more than $700 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few cases where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Cheap Dodge Charger insurance quotes in Philadelphia

Insurance can be pricey, but companies offer discounts to cut the cost considerably. Some of these discounts will be visible at the time of purchase, but some must be asked for in order for you to get them.

• Federal Employees – Active or former government employment could cut as much as 10% off with certain companies.
• Responsible Drivers – Insureds without accidents can pay as much as 50% less than less cautious drivers.
• College Student Discount – Any of your kids who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.
• Discount for Low Mileage – Keeping the miles down on your Dodge can qualify you for lower rates on the low mileage vehicles.
• Renewal Discounts – Some insurance companies give discounts for switching policies before your current expiration date. This discount can save up to 10%.
• Military Discounts – Being deployed with a military unit may qualify for rate reductions.
• Club Memberships – Being in certain professional organizations may earn a discount on your policy.
• ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
• Air Bag Discount – Options like air bags or motorized seat belts can receive discounts as much as 30%.

Discounts save money, but please remember that some credits don’t apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

The illustration below illustrates the difference between Dodge Charger insurance rates with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, claim-free, marriage, and homeowner discounts applied.

If you would like to see a list of insurance companies that offer the discounts shown above in Pennsylvania, click here.

How do I know if I need professional advice?

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Your situation is unique.

For instance, these questions can help discover if your situation could use an agent’s help.

• Am I covered if I hit a deer?
• Can I rate high risk drivers on liability-only vehicles?
• What is UM/UIM insurance?
• Does my insurance cover a custom paint job?
• How does medical payments coverage work?
• Do I need an umbrella policy?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

What if I want to buy from local Philadelphia car insurance agents?

A small number of people still like to sit down with an agent and often times that is recommended Professional insurance agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of price shopping on the web is the fact that you can find cheaper rates but also keep your business local. And supporting neighborhood insurance agencies is definitely important in Philadelphia.

After filling out this simple form, your insurance coverage information is submitted to participating agents in Philadelphia who want to provide quotes and help you find cheaper coverage. There is no need to leave your house due to the fact that quote results will go to you instantly. If you have a need to get a rate quote from one company in particular, you would need to visit that company’s website to submit a rate quote request.

When researching local Philadelphia agents, you should know the different types of agencies and how they can write your policy. Auto insurance policy providers can be described as either exclusive or independent agents depending on their company appointments. Either can insure your vehicles properly, but it is a good idea to know the differences because it may have an impact on the type of agent you choose.

Independent Auto Insurance Agents

Independent insurance agents often have many company appointments so they can insure your vehicles with multiple insurance companies and find the cheapest rate. If your premiums go up, your policy is moved internally and you won’t have to switch agencies. When shopping rates, you need to contact multiple independent agents to ensure the widest selection of prices. Many write coverage with smaller mutual companies that can offer cheaper rates than bigger companies.

Below is a short list of independent agencies in Philadelphia that can possibly get you price quote information.

• McCollum Insurance Agency
  4169 Main St – Philadelphia, PA 19127 – (215) 508-9000 – View Map
• Fabey Insurance Agency
  619 E Girard Ave – Philadelphia, PA 19125 – (215) 425-7640 – View Map
• HandM Insurance Agency
  5829 Rising Sun Ave – Philadelphia, PA 19120 – (215) 745-8001 – View Map

More insurance agents

Exclusive Agencies

Agents of this type normally can only provide a single company’s rates such as Farmers Insurance, Allstate, or State Farm. These agents are not able to provide rate quotes from other companies so keep that in mind. These agents are usually quite knowledgeable on their company’s products which can be an advantage. A lot of people buy from exclusive agents primarily because of the prominence of the brand rather than having the cheapest rates.

Below is a list of exclusive insurance agents in Philadelphia who can help you get comparison quotes.

• Kevin Lowber – State Farm Insurance Agent
  1347 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9010 – View Map
• Dennis Jackson – State Farm Insurance Agent
  6200 Frankford Ave – Philadelphia, PA 19135 – (215) 289-5179 – View Map
• Jerry Gregory – State Farm Insurance Agent
  2999 Welsh Rd – Philadelphia, PA 19152 – (215) 338-3313 – View Map

More insurance agents

Deciding on an auto insurance agent should depend on more than just a low price. Before buying a policy in Philadelphia, get answers to these questions.

• Do they review policy coverages at every renewal?
• Has the agent ever had any license suspensions?
• Are there any extra charges for paying monthly?
• Are they able to influence company decisions when a claim is filed?
• Do they see any coverage gaps in your plan?
• Can glass claims be handled at your home?
• What kind of financial rating does the company have?

Persistent drivers can save

Insureds switch companies for many reasons like delays in paying claims, lack of trust in their agent, policy non-renewal or even extreme rates for teen drivers. It doesn’t matter why you want to switch finding the right insurance provider is actually quite simple.

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, an insured cut uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.

In this article, we presented some good ideas how to lower your Dodge Charger insurance rates in Philadelphia. The key thing to remember is the more times you quote, the better likelihood of getting affordable Dodge Charger insurance quotes. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising.

To read more, take a look at these articles:

• Anti-Lock Brake FAQ (iihs.org)
• Who Has Affordable Car Insurance for Business Use in Philadelphia? (FAQ)
• How Much is Auto Insurance for Teenage Females in Philadelphia? (FAQ)
• How Much are Auto Insurance Rates for a Toyota Camry in Philadelphia? (FAQ)
• Speed and Speed Limit FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)