Dodge Charger Insurance Rates in Long Beach

Insurance quote for Dodge Charger in Long BeachSmart shoppers know that insurance companies don’t want you comparing rates. People who shop around for the cheapest rate will, in all likelihood, switch auto insurance companies because of the good chance of finding a policy with better rates. A study showed that drivers who compared price quotes annually saved on average $3,450 over four years compared to people who don’t regularly compare prices.

If finding the best price on Dodge Charger insurance is the reason for your visit, knowing how to quote prices and compare auto insurance can help you succeed in finding affordable rates.

If you want to save money, the best way to find low-cost car insurance rates is to compare prices regularly from insurance carriers in Long Beach. Rate comparisons can be done by following these guidelines.

Step 1: Take a few minutes and learn about how companies set rates and the changes you can make to prevent rate increases. Many policy risk factors that increase rates like your driving record and bad credit can be rectified by making lifestyle changes or driving safer.

Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while independent agencies can quote prices for many different companies.

Step 3: Compare the new rate quotes to your existing policy to see if a cheaper rate is available. If you find a lower rate and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Provide notification to your current agent or company to cancel your current car insurance policy. Submit the completed application along with a down payment for the new coverage. Once coverage is bound, keep the new certificate of insurance in your vehicle.

One important bit of advice is that you use the same deductibles and limits on every quote request and and to get quotes from as many different companies as possible. Doing this helps ensure an apples-to-apples comparison and the best price quote selection.

Just keep in mind that having more price comparisons increases the chance that you will find better pricing. Not every company does Long Beach Charger insurance quotes online, so you also need to get prices on coverage from those companies, too.

The car insurance companies shown below are our best choices to provide free rate quotes in California. In order to find the best cheap auto insurance in California, it’s highly recommended you visit several of them to get a more complete price comparison.

Coverage information

The data table displayed next showcases detailed analysis of prices for Dodge Charger models. Understanding more about how insurance policy premiums are figured can assist in making informed decisions when comparing rates.

Dodge Charger Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $436 $744 $568 $34 $170 $1,952 $163
Charger $436 $744 $568 $34 $170 $1,952 $163
Charger AWD $436 $744 $568 $34 $170 $1,952 $163
Charger 3.5 AWD $436 $744 $568 $34 $170 $1,952 $163
Charger SXT $436 $744 $568 $34 $170 $1,952 $163
Charger SXT AWD $436 $744 $568 $34 $170 $1,952 $163
Charger Rallye $436 $744 $568 $34 $170 $1,952 $163
Charger R/T $436 $856 $568 $34 $170 $2,064 $172
Charger Rallye AWD $436 $856 $568 $34 $170 $2,064 $172
Charger R/T AWD $480 $856 $568 $34 $170 $2,108 $176
Charger SRT-8 $480 $856 $568 $34 $170 $2,108 $176
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Information does not factor in garaging location in Long Beach which can raise or lower premium rates noticeably.

Can higher deductibles save money?

When buying insurance, a common question is at what level do you set your deductibles. The tables below lay out the differences in price of buying low and high comp and collision deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.

Dodge Charger insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $478 $810 $552 $32 $166 $2,063 $172
Charger $478 $810 $552 $32 $166 $2,063 $172
Charger AWD $478 $810 $552 $32 $166 $2,063 $172
Charger 3.5 AWD $478 $810 $552 $32 $166 $2,063 $172
Charger SXT $478 $810 $552 $32 $166 $2,063 $172
Charger SXT AWD $478 $810 $552 $32 $166 $2,063 $172
Charger Rallye $478 $810 $552 $32 $166 $2,063 $172
Charger R/T $478 $932 $552 $32 $166 $2,185 $182
Charger Rallye AWD $478 $932 $552 $32 $166 $2,185 $182
Charger R/T AWD $528 $932 $552 $32 $166 $2,235 $186
Charger SRT-8 $528 $932 $552 $32 $166 $2,235 $186
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Dodge Charger insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $348 $546 $552 $32 $166 $1,644 $137
Charger $348 $546 $552 $32 $166 $1,644 $137
Charger AWD $348 $546 $552 $32 $166 $1,644 $137
Charger 3.5 AWD $348 $546 $552 $32 $166 $1,644 $137
Charger SXT $348 $546 $552 $32 $166 $1,644 $137
Charger SXT AWD $348 $546 $552 $32 $166 $1,644 $137
Charger Rallye $348 $546 $552 $32 $166 $1,644 $137
Charger R/T $348 $630 $552 $32 $166 $1,728 $144
Charger Rallye AWD $348 $630 $552 $32 $166 $1,728 $144
Charger R/T AWD $384 $630 $552 $32 $166 $1,764 $147
Charger SRT-8 $384 $630 $552 $32 $166 $1,764 $147
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in vehicle garaging location which can affect rates greatly.

Based on these figures, using a $100 deductible could cost the average driver approximately $36 more each month or $432 for a full year averaged for all Charger models than choosing the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 11 months between claim filings, you would probably come out ahead if you opt for a higher deductible. Here’s the way this calculation is made.

Average monthly premium for $100 deductibles: $176
Average monthly premium for $500 deductibles (subtract): – $140
Monthly savings from raising deductible: $36
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

The chart below shows how choosing a deductible and can affect Dodge Charger premium costs for each different age category. The price estimates are based on a single male driver, comp and collision included, and no discounts are applied.

Gender-based insurance premiums in Long Beach

The diagram below illustrates the comparison of Dodge Charger insurance costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, single status, and no discounts are taken into consideration.

Cost difference between full coverage and liability

The illustration below compares Dodge Charger annual premium costs with full coverage and liability only. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, single marital status, and no additional discounts are factored in.

When to drop comprehensive and collision coverage

There is no specific rule to exclude full coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Dodge Charger replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying your policy deductible. If premiums are more than $200 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are a few situations where dropping full coverage is not a good idea. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not remove full coverage.

Dodge Charger Insurance Rate Factors

Many things are used when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although some other factors are not quite as obvious such as whether you are married or your vehicle rating. Smart consumers have a good feel for some of the things that go into determining the rates you pay for car insurance. When you know what positively or negatively influences your rates, this allows you to make educated decisions that may result in big savings.

Get hitched and pay lower rates – Having a spouse can actually save you money when buying car insurance. Having a spouse means you’re more mature and responsible and insurance companies like that married drivers get in fewer accidents.

Tickets increase prices – A bad driving record impacts your car insurance rates tremendously. Careful drivers pay less for auto insurance than people who have multiple driving citations. Even one citation can boost insurance rates twenty percent or more. People who have multiple violations such as reckless driving, hit and run or driving under the influence may find that they have to to maintain a SR-22 with the DMV in their state in order to legally drive a vehicle.

The information below shows how speeding tickets and accident claims can increase Dodge Charger insurance prices for each age group. The premiums assume a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Prices are affected by your address – Having an address in less populated areas has definite advantages when talking about car insurance. Fewer drivers on the road means fewer accidents and a lower car theft rate. City drivers have to deal with more traffic problems and more severe claims. Longer commute distances translates into higher accident risk.

Your liability protection limits – Liability coverage will afford coverage in the event that you are found to be at fault for physical damage or personal injury to other. Your liability coverage provides for a legal defense which can cost a lot. Liability is cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.

Safer vehicles cost less to insure – Safer cars cost less to insure. Safer cars help reduce the chance of injuries in an accident and better occupant protection means less money paid by your insurance company and cheaper rates on your policy. If your Dodge Charger is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.

Insurance premiums are higher for high performance vehicles – The performance of the car you own makes a substantial difference in determining your rates. Small economy passenger cars normally have pretty low rates, but there are many factors that impact the final cost.

The following data is based on a married male driver age 50, full coverage with $250 deductibles, and no discounts or violations. The data compares Dodge Charger insurance premiums compared to other models of vehicles that have different performances.

Never allow your car insurance to lapse – Driving any period of time without insurance can get you a ticket and you may have a hard time finding new coverage because you let your coverage lapse. And not only will insurance be more expensive, the inability to provide proof of insurance might get you a revoked license or a big fine.

Dodge Charger claim statistics – Insurance companies take into consideration historical loss data for every vehicle when determining insurance costs. Vehicles that historically have high amounts or severity of claims will have higher rates. The table shown below demonstrates the insurance loss data used by companies for Dodge Charger vehicles.

For each policy coverage, the statistical loss for all vehicles as a whole is set at 100. Values under 100 are indicative of better than average losses, while percentage values above 100 indicate a higher chance of having a claim or larger claims.

Dodge Charger Insurance Claim Statistics
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

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

Protect more than your Dodge Charger

Despite the high cost of buying insurance for a Dodge Charger in Long Beach, insuring your vehicle serves a purpose in several ways.

First, most states have mandatory liability insurance requirements which means state laws require a minimum amount of liability if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your vehicle, more than likely the lender will make it a condition of the loan that you buy insurance to guarantee loan repayment. If coverage lapses or is canceled, the lender will be forced to insure your Dodge for a much higher rate and require you to pay a much higher amount than you were paying before.

Third, auto insurance preserves both your Dodge and your personal assets. It will also provide coverage for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance outweigh the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is overpaying more than $855 a year so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.