Affordable Quotes for Dodge Charger Insurance in San Jose

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The recommended way to quote cheaper Dodge Charger insurance is to begin comparing prices regularly from insurance carriers in San Jose.

First, take a little time to learn about individual coverages and the things you can control to keep rates low. Many factors that result in higher rates like traffic citations, accidents, and an imperfect credit score can be remedied by making small lifestyle or driving habit changes.

Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while independent agents can provide price quotes from multiple sources.

Third, compare the new rates to the price on your current policy to see if a cheaper rate is available in San Jose. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

The most important part of shopping around is to make sure you're comparing similar coverage information on every quote and and to get quotes from as many carriers as you can. Doing this guarantees an apples-to-apples comparison and and a good selection of different prices.

Insurance rates Dodge Charger in San JoseAstonishing but true according to a recent study, most drivers kept their coverage with the same auto insurance company for well over three years, and almost 40% of drivers have never even shopped around for cheap coverage. Most drivers in San Jose could save $469 every year by just comparing rate quotes, but they don't invest the time required to find cheap auto insurance rates.

When comparison shopping, there are several ways to obtain and compare prices from many available car insurance companies in California. The simplest method to find the lowest Dodge Charger rates consists of shopping online. When comparison shopping, more quotes will increase your chances of finding better pricing. Some smaller insurers do not give rate quotes online, so you need to compare prices on coverage from those companies, too.

The companies in the list below can provide quotes in California. If more than one company is shown, we recommend you visit as many as you can in order to get a fair rate comparison.

Dodge Charger insurance rate analysis

The coverage information shown next showcases estimates of insurance premium costs for Dodge Charger models. Being able to understand how rate quotes are calculated can be useful when making smart buying decisions.

Dodge Charger Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $412 $834 $624 $36 $186 $2,092 $174
Charger $412 $834 $624 $36 $186 $2,092 $174
Charger AWD $412 $834 $624 $36 $186 $2,092 $174
Charger 3.5 AWD $412 $834 $624 $36 $186 $2,092 $174
Charger SXT $412 $834 $624 $36 $186 $2,092 $174
Charger SXT AWD $412 $834 $624 $36 $186 $2,092 $174
Charger Rallye $412 $834 $624 $36 $186 $2,092 $174
Charger R/T $412 $960 $624 $36 $186 $2,218 $185
Charger Rallye AWD $412 $960 $624 $36 $186 $2,218 $185
Charger R/T AWD $454 $960 $624 $36 $186 $2,260 $188
Charger SRT-8 $454 $960 $624 $36 $186 $2,260 $188
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in garaging location in San Jose which can decrease or increase rates substantially.

Choosing deductibles

One of the more difficult decisions when buying insurance is how high should your deductibles be. The following tables can help you understand the differences in premium rates when you select higher and lower deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Dodge Charger insurance premium estimates 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 estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $266 $426 $552 $32 $166 $1,442 $120
Charger $266 $426 $552 $32 $166 $1,442 $120
Charger AWD $266 $426 $552 $32 $166 $1,442 $120
Charger 3.5 AWD $266 $426 $552 $32 $166 $1,442 $120
Charger SXT $266 $426 $552 $32 $166 $1,442 $120
Charger SXT AWD $266 $426 $552 $32 $166 $1,442 $120
Charger Rallye $266 $426 $552 $32 $166 $1,442 $120
Charger R/T $266 $490 $552 $32 $166 $1,506 $126
Charger Rallye AWD $266 $490 $552 $32 $166 $1,506 $126
Charger R/T AWD $292 $490 $552 $32 $166 $1,532 $128
Charger SRT-8 $292 $490 $552 $32 $166 $1,532 $128
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in vehicle garaging location which can raise or lower insurance rates noticeably.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $53 more each month or $636 a year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 17 months between claim filings, you would save money if you choose a higher deductible. The table below shows the way you can decide this on your own policy.

Average monthly premium for $100 deductibles: $176
Average monthly premium for $1,000 deductibles (subtract): - $123
Monthly savings from raising deductible: $53
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $53
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

An important thing to remember is that increasing deductibles to lower your rates means you will have to pay more of your own money when you have a physical damage claim. That will force you to have some extra savings in order to pay the deductible for vehicle repair.

Dodge Charger liability-only versus full coverage

The diagram below visualizes the comparison of Dodge Charger car insurance rates with full coverage and liability only. The rates are based on no claims or driving citations, $100 deductibles, single status, and no discounts are factored in.

Are you wasting money on full coverage?

There is no clear-cut rule to exclude physical damage coverage, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.

For example, let's say your Dodge Charger settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying your deductible. If you are paying in excess of $400 a year for full coverage, then it might be time to buy liability only.

There are a few situations where removing full coverage is not recommended. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle in case of an accident, you should keep full coverage.

Why you need quality insurance for your Dodge vehicle

Even though it's not necessarily cheap to insure a Dodge in San Jose, auto insurance is mandatory in California but it also protects more than you think.

First, almost all states have mandatory insurance requirements which means the state requires a minimum amount of liability if you drive a vehicle. 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 your Dodge Charger has a loan, most banks will make it a condition of the loan that you have insurance to guarantee payment of the loan. If you default on your policy, the lender will be forced to insure your Dodge for a lot more money and require you to reimburse them much more than you were paying before.

Third, auto insurance protects not only your car but also your assets. It will also reimburse you for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability insurance also covers legal expenses if you are sued as the result of an accident. If your Dodge gets damaged, your policy will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance greatly outweigh the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays more than $869 every year so it's important to compare rates at every renewal to make sure the price is not too high.

Get Lower-cost Insurance Prices by Understanding These Factors

Lots of things are used in the calculation when quoting car insurance. Some are obvious such as your driving record, although others are less obvious like where you live or how financially stable you are. Consumers need to have an understanding of a few of the rating criteria that help calculate your auto insurance rates. When consumers understand what determines base rates, this allows you to make good choices that may result in much lower annual insurance costs.

Rural vs Urban Areas - Choosing to live in areas with lower population is a positive aspect when insuring your vehicles. Drivers who live in large cities have to deal with more aggressive driving styles and a longer drive to work. Lower population corresponds to lower accident rates.

Liability limits are a factor - The liability section of your policy will protect you in the event that you are responsible for damages caused by your negligence. Liability insurance provides legal defense coverage to defend your case. This coverage is relatively inexpensive compared to physical damage coverage, so do not skimp.

Single drivers take more risk - Your spouse actually saves money when buying auto insurance. Marriage demonstrates that you tend to be less irresponsible and insurance companies reward insureds because drivers who are married file infrequent claims.

Careless driving means higher prices - Your driving citation history can have a huge impact on auto insurance premiums. Getting just one ticket could increase your next policy renewal forty percent or more. Drivers with clean records have lower premiums than people who have multiple driving citations. People who have dangerous citations like reckless driving or DUI may need to maintain a SR-22 with their state DMV in order to prevent a license revocation.

The diagram below demonstrates how speeding tickets and accident claims can influence Dodge Charger insurance rates for each age group. The rate quotes are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Younger drivers pay high prices - Teenage drivers in California are proven to be more careless when driving therefore auto insurance rates are much higher. Older people are more responsible, cost insurance companies less in claims, and usually have better credit.

The following chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

If you don't need it don't buy it - There are many extra coverages that sound like a good idea at the time on your auto insurance policy. Add-on coverages like rental car coverage, towing, and extra equipment coverage may not be needed and are just wasting money. You may think they are a good idea when talking to your agent, but if they're wasting money think about removing them and cutting costs.

Dodge Charger statistical loss data - Insurance companies analyze historical claim data to help determine prices. Models that historically have higher claim frequency or loss amount will have higher premium rates. The information below illustrates the insurance loss data used by companies for Dodge Charger vehicles.

For each policy coverage type, the loss probability for all vehicles compiled together equals 100. Values that are under 100 imply a favorable loss record, while values that are above 100 indicate more frequent claims or statistically larger claims.

Insurance Loss Ratings for Dodge Charger Vehicles
Make and 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

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

What is the best car insurance coverage?

Always remember that when buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else's so your insurance needs to address that.Safe vehicles cost less to insure For example, these questions may help you determine whether you could use an agent's help.

  • Do I have newly-acquired coverage?
  • How much liability do I need to cover my assets?
  • Am I covered if I break a side mirror?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I drive in Mexico and have coverage?
  • Am I covered if I hit someone who is not insured?
  • Which companies are cheaper for teen drivers?
  • Is my nanny covered when driving my vehicle?

If it's difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

You can lower your car insurance rates

As you quote San Jose auto insurance, you should never buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced full coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate.

We just presented many tips how you can lower your Dodge Charger insurance auto insurance rates in San Jose. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the best auto insurance rates are with the smaller companies. Regional companies may only write in your state and offer lower premium rates as compared to the big name companies such as GEICO and State Farm.

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