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.

Insurance quote for Dodge Charger in PittsburghIf 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.

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.

Dodge Charger Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $236 $374 $424 $26 $126 $1,186 $99
Charger $236 $374 $424 $26 $126 $1,186 $99
Charger AWD $236 $374 $424 $26 $126 $1,186 $99
Charger 3.5 AWD $236 $374 $424 $26 $126 $1,186 $99
Charger SXT $236 $374 $424 $26 $126 $1,186 $99
Charger SXT AWD $236 $374 $424 $26 $126 $1,186 $99
Charger Rallye $236 $374 $424 $26 $126 $1,186 $99
Charger R/T $236 $432 $424 $26 $126 $1,244 $104
Charger Rallye AWD $236 $432 $424 $26 $126 $1,244 $104
Charger R/T AWD $260 $432 $424 $26 $126 $1,268 $106
Charger SRT-8 $260 $432 $424 $26 $126 $1,268 $106
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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.

Dodge Charger insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $356 $602 $412 $24 $124 $1,543 $129
Charger $356 $602 $412 $24 $124 $1,543 $129
Charger AWD $356 $602 $412 $24 $124 $1,543 $129
Charger 3.5 AWD $356 $602 $412 $24 $124 $1,543 $129
Charger SXT $356 $602 $412 $24 $124 $1,543 $129
Charger SXT AWD $356 $602 $412 $24 $124 $1,543 $129
Charger Rallye $356 $602 $412 $24 $124 $1,543 $129
Charger R/T $356 $694 $412 $24 $124 $1,635 $136
Charger Rallye AWD $356 $694 $412 $24 $124 $1,635 $136
Charger R/T AWD $392 $694 $412 $24 $124 $1,671 $139
Charger SRT-8 $392 $694 $412 $24 $124 $1,671 $139
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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 $260 $408 $412 $24 $124 $1,228 $102
Charger $260 $408 $412 $24 $124 $1,228 $102
Charger AWD $260 $408 $412 $24 $124 $1,228 $102
Charger 3.5 AWD $260 $408 $412 $24 $124 $1,228 $102
Charger SXT $260 $408 $412 $24 $124 $1,228 $102
Charger SXT AWD $260 $408 $412 $24 $124 $1,228 $102
Charger Rallye $260 $408 $412 $24 $124 $1,228 $102
Charger R/T $260 $468 $412 $24 $124 $1,288 $107
Charger Rallye AWD $260 $468 $412 $24 $124 $1,288 $107
Charger R/T AWD $286 $468 $412 $24 $124 $1,314 $110
Charger SRT-8 $286 $468 $412 $24 $124 $1,314 $110
Get Your Own Custom Quote Go

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.

Average monthly premium for $100 deductibles: $132
Average monthly premium for $500 deductibles (subtract): – $104
Monthly savings from raising deductible: $28
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

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.

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.

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.Car insurance discounts

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:

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.Drive safe and save
Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

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.

Find insurance agent in PittsburghUpon 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.

2544 Library Rd # 205Pittsburgh, PA 15234(412) 563-2390View Map

234 Shady AvePittsburgh, PA 15206(412) 362-8340View Map

1900 Painters Run RdPittsburgh, PA 15241(412) 257-4300View Map

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.

1236 Grove RdPittsburgh, PA 15234(412) 884-8100View Map

984 Greentree RdPittsburgh, PA 15220(412) 922-2622View Map

Mike Dudenas – State Farm Insurance Agent
901 Castle Shannon BlvdPittsburgh, PA 15234(412) 561-5012View Map

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:

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.

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