Dodge Charger Insurance Quotes in Pittsburgh

Remarkably, a study showed that 70% of consumers have purchased from the same company for at least four years, and approximately 40% of consumers have never compared car insurance rates at all. Many consumers in Pennsylvania could save up to $700 each year, but they just don’t understand the actual amount they would save if they switch to a new company.

If you want to save money, the best way to find cheaper quotes for car insurance rates in Pittsburgh is to start doing a yearly price comparison from different companies who can sell car insurance in Pennsylvania. Drivers can shop around by completing these steps.

• First, take a few minutes and learn about how companies price auto insurance and the modifications you can make to drop your rates. Many policy risk factors that result in higher rates such as multiple speeding tickets and poor credit rating can be eliminated by making minor driving habit or lifestyle changes.
• Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO and State Farm, while independent agents can provide rate quotes from many different companies.
• Third, compare the new quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate, ensure coverage does not lapse between policies.

An important bit of advice to remember is that you’ll want to make sure you compare the same level of coverage on every quote request and and to get price quotes from as many different insurance providers as possible. This helps ensure an apples-to-apples comparison and a good representation of prices.

The most recommended method to compare rates for Dodge Charger insurance in Pittsburgh utilizes the fact almost all companies have advanced systems to give you rate quotes. The one thing you need to do is provide the companies a bit of rating information including your general credit rating, how your vehicles are used, how old drivers are, and if you have a valid license. That information is then sent to multiple companies and they return rate quotes within a short period of time.

To start a quote now, click here and find out if lower rates are available in Pittsburgh.

The car insurance companies shown below are our best choices to provide free quotes in Pennsylvania. If multiple companies are listed, it’s highly recommended you click on several of them to find the most competitive car insurance rates.

Rates and data analysis

The premium table displayed below showcases estimates of prices for Dodge Charger models. Learning a little about how auto insurance policy rates are figured is important for you to make decisions when shopping your coverage around.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Table data does not factor in specific Pittsburgh garaging location which can raise or lower prices substantially.

Deductible analysis

The hardest decision when buying coverage is where to set your physical damage deductibles. The tables below can help you visualize the cost difference when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific zip code location which can alter coverage rates considerably.

Based on the above data, using a $100 deductible costs an average of $28 more each month or $336 for a full year across all Dodge Charger models than buying the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go more than 14 months between claims, you would save more money if you choose the higher deductible. The illustration below shows an example of how you can make this decision for your own policy.

An important thing to remember is that a higher deductible means you will have to cover more of the damage yourself when you have a physical damage claim. You need to make sure you have a higher level of savings in the event you have to pay the deductible to have repairs made.

Buying the right Charger insurance in Pennsylvania is an important decision

Despite the high cost of buying insurance for a Dodge Charger in Pittsburgh, buying insurance serves an important purpose.

• Almost all states have mandatory insurance requirements which means state laws require specific minimum amounts of liability if you don’t want to risk a ticket. In Pennsylvania 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.
• If you have a lien on your vehicle, almost all lenders will make it a condition of the loan that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Dodge at a much higher premium rate and require you to reimburse them for it.
• Insurance safeguards both your car and your personal assets. Insurance will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If you have damage to your Dodge as the result of the weather or an accident, collision and comprehensive coverages will pay to have it repaired.

The benefits of carrying enough insurance more than cancel out the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer overpays more than $750 every year so we recommend shopping around each time the policy renews to make sure the price is not too high.

How do Insurers Determine Dodge Charger Insurance Rates?

Smart consumers have a good feel for the factors that help calculate your policy premiums. If you know what controls the rates you pay, this helps enable you to make changes that can help you get lower premium levels.

The itemized list below are just a few of the factors used by companies to determine rates.

• How much liability protection – A critical coverage on your policy, liability insurance provides coverage in the event that a court rules you are at fault for damages from an accident. It provides for a legal defense which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so do not cut corners here.
• Do you really need to file those auto insurance claims? – Companies in Pennsylvania give lower rates to drivers who are claim-free. If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Auto insurance is intended to be relied upon for the large, substantial claims.
• Buy a safe car and pay less – Cars with high safety ratings cost less to insure. Vehicles built for safety protect occupants better and fewer injuries means your insurance company pays less and lower rates for you. If the Dodge Charger earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
• Poor credit decisions can cost you – Having a bad credit history is a large factor in calculating your auto insurance rates. Drivers with high credit scores tend to be more responsible than drivers who have poor credit scores. Therefore, if your credit rating can use some improvement, you could save money insuring your Dodge Charger by taking the time to improve your credit score.

• Dodge Charger insurance loss data – Insurers use statistical claims data to calculate a price that will offset any claims. Models that the data shows to have higher loss trends will have a higher premium rate.

  The next table shows the insurance loss data used by companies for Dodge Charger vehicles. For each policy coverage, the statistical loss for all vehicles, regardless of make or model, is a value of 100. Percentages below 100 suggest a positive loss record, while values that are above 100 indicate frequent claims or an increased likelihood of larger 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

Verify you’re applying every discount

Car insurance companies don’t always publicize the complete list of policy discounts very well, so the following is a list of both the well known and also the lesser-known discounts that you may qualify for. If you are not receiving all the discounts you deserve, you’re paying more than you need to.

• Multiple Policy Discount – When you have multiple policies and insure them with the same company you could get a discount of over 10 percent off each policy depending on the company.
• Good Students Pay Less – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
• Switch and Save Discount – Some car insurance companies reward drivers for switching policies before your current expiration date. Ten percent is about the average savings.
• Passenger Safety Discount – Vehicles with factory air bags can get savings as much as 30%.
• Pittsburgh Homeowners Pay Less – Simply owning a home can help you save on car insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
• Active Service Discounts – Having a family member in the military could be rewarded with lower rates.
• Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase life insurance from them.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount should definitely cut the amount you pay for coverage.

The diagram below shows the comparison of Dodge Charger annual premium costs with and without discounts applied to the policy premium. The data is based on a male driver, a clean driving record, no claims, Pennsylvania state minimum liability limits, full 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-policy, claim-free, marriage, multi-car, and homeowner discounts applied.

A list of companies and a selection of discounts are:

• Progressive includes discounts for good student, multi-policy, continuous coverage, online quote discount, online signing, multi-vehicle, and homeowner.
• MetLife may offer discounts for accident-free, claim-free, defensive driver, good student, and multi-policy.
• Mercury Insurance offers premium reductions for ease of repair, accident-free, location of vehicle, annual mileage, age of vehicle, low natural disaster claims, and multi-policy.
• Nationwide offers discounts including good student, Farm Bureau membership, multi-policy, easy pay, anti-theft, accident-free, and family plan.
• GEICO policyholders can earn discounts including five-year accident-free, federal employee, driver training, air bags, membership and employees, good student, and multi-policy.
• AAA discounts include multi-policy, good student, good driver, pay-in-full, anti-theft, and AAA membership discount.

Before purchasing a policy, check with every insurance company how many discounts you can get. Savings might not apply everywhere.

How much car insurance do I need?

When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. You are unique so this has to be addressed.
Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

• How does medical payments coverage work?
• When can my company non-renew my policy?
• Does my policy cover my teen driver if they drive my company car?
• Am I covered if I break a side mirror?
• Am I missing any policy discounts?
• Do I need PIP (personal injury protection) coverage in Pennsylvania?
• I don’t drive much so do I pay less?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

When do I need to talk to a local insurance agent?

Some consumers would prefer to have an agent’s advice and that is recommended in a lot of cases Good insurance agents can help you build your policy and will help you if you have claims. A good thing about comparing insurance prices online is that you can find cheap car insurance quotes but still work with a licensed agent. And supporting local insurance agents is especially important in Pittsburgh.

Upon completion of this simple form, your coverage information is immediately sent to agents in your area that can provide free Pittsburgh car insurance quotes to get your business. You never need to contact an agency because quoted prices will be sent immediately to you. If you need to compare rates from a specific company, don’t hesitate to search and find their rate quote page to submit a rate quote request.

Pick the best car insurance agent in Pittsburgh for you

When researching a good insurance agency, there are two types of insurance agents and how they are distinctly different. Insurance agencies in Pittsburgh are either independent or exclusive. Either one can properly insure your vehicles, but it’s worth learning the differences because it can impact your selection of an agent.

Independent Insurance Agents

Agents of this type are not restricted to one company so they can write business with an assortment of companies and get you the best rates possible. If they find a lower price, an independent agent can move your coverage and you don’t have to find a new agent. When comparing car insurance prices, we recommend you contact several independent insurance agents to get the most accurate price comparison.

Below is a short list of independent insurance agencies in Pittsburgh who may be able to give you free car insurance quotes.

More Pittsburgh agents

Exclusive Insurance Agencies

These agents are contracted to one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually quite knowledgeable on their company’s products which helps offset the inability to provide other markets.

Listed below are Pittsburgh exclusive agencies willing to provide rate quotes.

More Pittsburgh agents

Finding a good insurance agent should depend on more than just the bottom line cost. Any agent in Pittsburgh should have no problem answering these questions:

• What kind of financial rating does the company have?
• If they are an independent agency in Pittsburgh, which companies do they recommend?
• Does the agency support the community they serve?
• Do you work with a CSR or direct with the agent?
• Are they properly licensed to sell insurance in Pennsylvania?
• Will the company cover a rental car if your car is getting fixed?
• How many years have they been established?
• Do they have cheaper tiers of coverage?

Cheaper auto insurance is a realistic goal

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped full coverage only to discover later that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Throughout this article, we presented quite a bit of information on how to save on Dodge Charger insurance in Pittsburgh. The key thing to remember is the more times you quote, the higher your chance of finding affordable Pittsburgh car insurance quotes. You may even be surprised to find that the best prices are with some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

To read more, take a look at the following helpful articles:

• How do I File a Claim? (Insurance Information Institute)
• Who Has Affordable Pittsburgh Auto Insurance Rates for First-time Drivers? (FAQ)
• How Much is Pittsburgh Car Insurance After a Speeding Ticket? (FAQ)
• Who Has the Cheapest Pittsburgh Auto Insurance for Nurses? (FAQ)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Child Safety Seats (Insurance Information Institute)
• Older Drivers FAQ (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Institute)