Cheapest Insurance for a Dodge Charger in Corpus Christi

Regrettably, most auto insurance customers have stayed with the same insurance company for well over three years, and nearly the majority have never shopped around. With the average auto insurance premium being $2,680, Corpus Christi drivers could save an average of approximately $1,770 each year, but they underestimate how much money they would save if they moved their coverage to a different company.

Discount Dodge Charger insuranceThe preferred way to find cheaper prices for car insurance rates in Corpus Christi is to regularly compare price quotes from insurance carriers who sell auto insurance in Texas. Drivers can shop around by following these steps.

  1. Try to comprehend the coverage provided by your policy and the changes you can make to prevent expensive coverage. Many policy risk factors that result in higher rates like getting speeding tickets and a lousy credit rating can be improved by making minor changes in your lifestyle.
  2. Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while independent agencies can give you price quotes from multiple insurance companies.
  3. Compare the quotes to the premium of your current policy to see if you can save by switching companies. If you find a better price, make sure coverage is continuous and does not lapse.
  4. Provide proper notification to your current company of your intention to cancel your current policy and submit payment along with a signed and completed policy application for the new policy. When you receive it, put the proof of insurance paperwork in your vehicle’s glove compartment or console.

One tip to remember is to compare the same level of coverage on each price quote and and to compare as many companies as possible. This ensures a fair rate comparison and a complete price analysis.

Finding and buying the most affordable coverage in Corpus Christi is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, follow these tips to save money and possibly find even better coverage. Smart buyers only need an understanding of the quickest way to quote multiple rates online from multiple companies.

Lower Insurance Rates with These Tips

Smart consumers have a good feel for the rating factors that play a part in calculating car insurance rates. If you have some idea of what controls the rates you pay, this allows you to make good choices that can help you get lower premium levels.

The items below are some of the most rate-impacting factors used by companies to determine premiums.

Mature drivers pay less – Teenage drivers in Texas are statistically shown to be inattentive in a vehicle therefore car insurance rates are much higher. Adding a first-time driver onto your car insurance can cause a big jump in price. Older drivers are more responsible, cost insurance companies less in claims, and usually have better credit.

The next chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

Your address can modify price – Choosing to live in smaller towns and rural areas of the country can be a good thing when buying car insurance. Less people living in that area corresponds to lower accident rates and a lower car theft rate. City drivers tend to have more traffic problems and a longer drive to work. Spending more time driving means higher likelihood of an accident.

Eliminate extra policy coverages – Policies have extra coverages that you can get tricked into buying if you aren’t careful. Coverages like replacement cost coverage, high-cost glass coverage, and additional equipment coverage may not be needed and are just wasting money. These coverages may sound good when you first buy your policy, but your needs may have changed so remove them and pocket the money.

Do you know your coverage deductibles? – Your deductibles tell how much you are willing to pay if you file a covered claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of covered claims would be a windshield broken by a bird, damage from fire, and having a roll-over accident. The higher the amount the insured is willing to pay, the lower your rates will be.

Lower car insurance rates with GPS tracking and theft deterrents – Purchasing a vehicle with advanced anti-theft systems can get you a discount on your car insurance. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your vehicle from being stolen.

Consolidate policies with the same company – Many companies give lower prices to policyholders that purchase more than one policy in the form of a multi-policy discount. If you currently are using one company, you still need to get quotes from other companies to help ensure you have the lowest rates.There is a chance you can save more without the discount by insuring with multiple companies.

Dodge Charger historical loss data – Insurance companies take into consideration insurance loss statistics for every vehicle as a way to help calculate a profitable premium rate. Models that are shown to have increased claim numbers or amounts will have increased rates. The table below shows the historical insurance loss data for Dodge Charger vehicles.

For each policy coverage, the loss probability for all vehicles, as a total average, is a value of 100. Values that are below 100 indicate better than average losses, while numbers above 100 show a trend for more claims or an increased chance of a larger loss.

Dodge Charger Insurance Loss 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 from for 2013-2015 Model Years

Premium rates and analysis

The table shown below highlights detailed analysis of insurance costs for Dodge Charger models. Having a good understanding how insurance rates are formulated helps drivers make informed coverage decisions.

Dodge Charger Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $422 $584 $624 $36 $186 $1,852 $154
Charger $422 $584 $624 $36 $186 $1,852 $154
Charger AWD $422 $584 $624 $36 $186 $1,852 $154
Charger 3.5 AWD $422 $584 $624 $36 $186 $1,852 $154
Charger SXT $422 $584 $624 $36 $186 $1,852 $154
Charger SXT AWD $422 $584 $624 $36 $186 $1,852 $154
Charger Rallye $422 $584 $624 $36 $186 $1,852 $154
Charger R/T $422 $672 $624 $36 $186 $1,940 $162
Charger Rallye AWD $422 $672 $624 $36 $186 $1,940 $162
Charger R/T AWD $466 $672 $624 $36 $186 $1,984 $165
Charger SRT-8 $466 $672 $624 $36 $186 $1,984 $165
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in specific garaging location which can decrease or increase premium rates substantially.

Where to set your deductibles

One common question asked by Corpus Christi drivers is how low should you set your deductibles. The rates below can help you understand how much more you’ll pay between high and low insurance deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Dodge Charger insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $412 $698 $476 $28 $142 $1,781 $148
Charger $412 $698 $476 $28 $142 $1,781 $148
Charger AWD $412 $698 $476 $28 $142 $1,781 $148
Charger 3.5 AWD $412 $698 $476 $28 $142 $1,781 $148
Charger SXT $412 $698 $476 $28 $142 $1,781 $148
Charger SXT AWD $412 $698 $476 $28 $142 $1,781 $148
Charger Rallye $412 $698 $476 $28 $142 $1,781 $148
Charger R/T $412 $804 $476 $28 $142 $1,887 $157
Charger Rallye AWD $412 $804 $476 $28 $142 $1,887 $157
Charger R/T AWD $454 $804 $476 $28 $142 $1,929 $161
Charger SRT-8 $454 $804 $476 $28 $142 $1,929 $161
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Dodge Charger insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $300 $472 $476 $28 $142 $1,418 $118
Charger $300 $472 $476 $28 $142 $1,418 $118
Charger AWD $300 $472 $476 $28 $142 $1,418 $118
Charger 3.5 AWD $300 $472 $476 $28 $142 $1,418 $118
Charger SXT $300 $472 $476 $28 $142 $1,418 $118
Charger SXT AWD $300 $472 $476 $28 $142 $1,418 $118
Charger Rallye $300 $472 $476 $28 $142 $1,418 $118
Charger R/T $300 $542 $476 $28 $142 $1,488 $124
Charger Rallye AWD $300 $542 $476 $28 $142 $1,488 $124
Charger R/T AWD $332 $542 $476 $28 $142 $1,520 $127
Charger SRT-8 $332 $542 $476 $28 $142 $1,520 $127
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Estimates do not factor in zip code location which can revise insurance rates significantly.

Based on the figures above, using a $100 deductible costs about $31 more each month or $372 every year across all Dodge Charger models than choosing the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average more than 13 months between claim filings, you would save more money if you choose the higher deductible.

The chart below shows how choosing a deductible and can raise or lower Dodge Charger premium costs for different ages of insureds. The rates are based on a married female driver, full coverage, and no discounts are factored in.

Careless drivers pay higher rates

The example below demonstrates how traffic citations and at-fault collisions raise Dodge Charger insurance rates for different age groups. Data assumes a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.

Dodge Charger liability-only versus full coverage

The information below compares Dodge Charger insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The rate quotes are based on no claims or driving violations, $100 deductibles, single status, and no discounts are applied.

Should you pay for full coverage?

There is no set guideline to exclude physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s assume your Dodge Charger book value is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after paying your deductible. If premium cost is more than $200 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Take policy discounts and save on Dodge Charger insurance in Corpus Christi

Some insurers don’t always publicize the entire discount list in a way that’s easy to find, so the list below details some of the best known and the harder-to-find credits that may apply to you.Discount insurance

As a footnote on discounts, some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you can get free auto insurance, companies don’t profit that way.

The chart below compares Dodge Charger insurance premiums with and without discounts applied. The rates are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, safe-driver, claim-free, and marriage discounts applied.

A few of the larger companies and some of their more popular discounts can be read below.

When quoting, ask every prospective company to give you their best rates. Some of the discounts discussed earlier might not be offered in Corpus Christi. If you would like to see a list of insurance companies who offer cheap Dodge Charger insurance quotes in Corpus Christi, click here.

Don’t give up on cheaper rates

The cheapest Dodge Charger insurance in Corpus Christi can be sourced on the web as well as from independent agents in Corpus Christi, and you should compare price quotes from both to have the best selection. Some companies may not offer price quotes online and these smaller companies work with local independent agents.

We just showed you a lot of tips how to reduce Dodge Charger insurance rates online in Corpus Christi. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even discover the lowest priced insurance comes from a smaller regional carrier. They often have lower car insurance rates on specific markets than their larger competitors like State Farm or Progressive.

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