How Much Does It Cost To Insure A Dodge Charger?
Every car and driver will be covered by car insurance companies at a different rate due to the wide range of factors that are involved in determining car insurance costs. Even if you and your friend drive the same car, you might have different rates.
Still, there are some average rates that you can check out to estimate what type of cost you are going to be taking on when insuring a car. Today, let’s specifically talk about how much it costs to insure a Dodge Charger.
Insuring a Dodge Charger
Once you plan for your new Dodge Charger cost, you might be wondering what types of insurance you will need and how much it is likely to cost you.
Currently, you can expect to pay the following costs for full comprehensive coverage on your Dodge Charger:
- Monthly: $100 to $150
- Annually: $1,200 to $1,800
As with all insurance rates, however, there are a number of factors that will affect what it costs to insure your Dodge Charger. Consider the following when planning what you are going to need to be paying on your car.
Type of Coverage
One major factor affecting how much you are paying for car insurance is the type of coverage you want. Most states have a requirement for at least liability insurance, but most drivers want some type of comprehensive or collision coverage as this will protect them and their investment if they are in an accident.
The less coverage you have, the less expensive it will be monthly. You can take that risk if you are willing to, but remember that you will end up in a deeper financial hole if you do end up in an accident or driving incident.
Another factor that will come into play when insurance companies are determining your insurance rates is your risk. If you are a very safe driver with no record, you’ll be given the best rate options. If you have a number of traffic infractions on your driving record, you will be charged higher rates as a high-risk driver.
Car Model and Age
Finally, the exact model of Dodge Charger that you are insuring will affect the insurance rates. Everything from model number to car color can affect the rates you are offered. How long your car has been on the roads and what its mileage plays a factor, too.
Cars made to go at high speeds, for example, are riskier than more baseline models. Depending on your model and trim level, varied amounts of coverage and costs will be available to you.
Other Top Car Insurance FAQs
Do you have other questions about car insurance and what it entails? These are some of the most frequently asked questions by drivers like yourself.
How often will my car insurance rates change?
Your car insurance rates can change every time that your policy is technically reviewed. For example, if you sign up for a six-month term plan and you pay for this plan monthly, it can change every six months. If you pay for a year in full, your rates will not change until the following year.
There are usually slight market fluctuations that cause rates to change every time your policy renews, for better or worse. If you are involved in an accident or have another change to the factors which determine your car insurance rates, you should expect your rates to change the next time your policy renews.
How long will DUIs affect my insurance rates?
Here’s a question many drivers have: “How long does a DUI stay on your insurance?”
In most states, DUI infractions will stay on your driving record for ten years, and this means that your car insurance rates could also be affected for ten years as well. However, many insurance companies acknowledge that many drivers have learned from their mistakes and improved their driving skills.
Most insurance companies have a certain amount of time that the DUI will remain relevant to your rates, but there are sometimes things that you can do to speed up the process. Contact your car insurance company and ask them if there are any classes you can take to stop the DUI from affecting your insurance rate.
How can I find the best rates for my car insurance?
There are a few ways to ensure that you find the best rates for car insurance. Here are some simple tips that you should always use when choosing a car insurance policy and provider:
- Plan out what type of coverage you need at a minimum in advance
- Get quotes from every car insurance company you can
- Compare the quotes and coverage between all of these companies
- Research discounts that you may be relevant for and find out how to apply them
- See if your bank, work, or credit union have any insurance discount programs
These simple tips make it easier to find the best rates around when shopping for great car insurance. Remember, however, to not give up the coverage you need just to find lower rates. Instead, keep looking for a company that can provide what you need.
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