Find Cheaper Dodge Charger Insurance in Boston

Astonishing but true, most car insurance customers kept their policy with the same company for at least four years, and roughly 40% of drivers have never shopped around. Massachusetts drivers could save themselves nearly $600 a year, but they don’t understand how simple it is to do a rate comparison.

If you want to save the most money, the best way to quote cheaper car insurance rates is to begin comparing prices regularly from insurers that sell auto insurance in Boston.

• First, spend some time learning about how insurance works and the modifications you can make to keep rates low. Many policy risk factors that result in higher rates such as careless driving and a poor credit score can be controlled by making lifestyle changes or driving safer. Continue reading for additional tips to help keep prices low and get additional discounts that may be available.
• Second, compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like Progressive or State Farm, while independent agencies can provide rate quotes from multiple companies.
• Third, compare the new quotes to your current policy premium and see if you can save money. If you can save money, ensure there is no coverage lapse between policies.
• Fourth, give notification to your agent or company of your decision to cancel your current coverage. Submit the application along with any required down payment to the newly selected company. As soon as you have the new policy, put the new certificate of insurance along with your vehicle registration.

The key thing to remember is that you’ll want to compare similar limits and deductibles on every price quote and and to look at as many companies as feasibly possible. This provides an apples-to-apples comparison and the best price quote selection.

If you are insured now or just want to reduce your rates, you can learn to reduce the price you pay while maintaining coverages. We hope to tell you the best way to buy inexpensive auto insurance and how you can save the most money. Smart shoppers just have to use how to shop their coverage around using one simple form.

Low Cost Dodge insurance price quotes in Boston

The providers in the list below are ready to provide comparison quotes in Boston, MA. If multiple companies are listed, we suggest you get price quotes from several of them to find the most competitive auto insurance rates.

Rates and information analytics

The price information shown below highlights different policy rates for Dodge Charger models. Knowing how auto insurance policy rates are determined can help drivers make informed decisions when comparing rates.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can influence coverage prices substantially.

Physical damage deductible comparison

When buying insurance, a common question is how high should your deductibles be. The following insurance rates lay out how much more rates are when you select higher and lower insurance deductibles. The first rate table uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in your specific Boston location which can impact prices significantly.

Based on this data, using a $100 deductible costs approximately $41 more each month or $492 every year averaged for all Charger models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 22 months between claims, you would probably save some money if you opt for a higher deductible.

The information below illustrates how your choice of deductibles and can affect Dodge Charger insurance prices for different ages of insureds. The premiums assume a single female driver, comp and collision included, and no discounts are factored in.

Impact of age and gender on insurance rates

The chart below illustrates the difference between Dodge Charger car insurance rates for male and female drivers. The data assumes no claims or violations, comp and collision included, $250 deductibles, drivers are single, and no other discounts are factored in.

Full coverage versus liability-only

The chart below compares Dodge Charger insurance rates with liability coverage only compared to full coverage. The premiums are based on no accidents or driving violations, $500 deductibles, single status, and no discounts are applied.

When to stop buying full coverage

There is no set rule of when to drop full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Dodge Charger claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying the physical damage deductible. If it’s costing you more than $200 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are a few situations where buying only liability insurance is not advised. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.

Lower the Price of Auto Insurance with These Tips

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for auto insurance. If you understand what influences your rates, this enables informed choices that may reward you with better auto insurance rates.

• Deter car thieves – Choosing a vehicle that has an advanced theft prevention system can help lower your premiums. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
• You may save more by consolidating policies – Some insurers will award better rates to clients who carry more than one policy such as combining an auto and homeowners policy. This can amount to ten or even fifteen percent. Even if you qualify for this discount already, drivers will still want to comparison shop to verify if the discount is saving money. Consumers may save more without the discount even if you have your coverage with different companies
• Raise physical damage deductibles and save – Physical damage protection, also known as collision and other-than-collision, helps pay for damage to your vehicle. Examples of some claims that would be covered would be running into the backend of another car, vandalism, or theft. Deductibles for physical damage define how much you are willing to pay if a claim is determined to be covered. The more expense the insured is willing to pay, the better rate you will receive.
• Drive less and pay lower prices – The more you drive every year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Having the wrong rating on your Charger is throwing money out the window. Double check that your policy shows the correct usage, because it can save money.

• Dodge Charger claim statistics – Auto insurance companies take into consideration historical loss data for every vehicle to calculate a rate that offsets possible losses. Models that statistically have higher claim frequency or loss amount will have higher premium rates. The next table illustrates the insurance loss data used by companies for Dodge Charger vehicles.

  For each policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is represented as 100. Numbers shown that are under 100 suggest a positive loss record, while percentages above 100 point to more claims or tendency to have larger claims.

  
  

  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

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Cheaper Boston auto insurance quotes with discounts

Some companies do not list every available discount very well, so the list below contains both well-publicized as well as some of the hidden discounts that you may qualify for.

• Club Memberships – Affiliation with certain professional organizations may earn a discount on your next auto insurance statement.
• Seat Belts Save – Drivers who require all vehicle occupants to buckle up before driving can save up to 15% off PIP or medical payments premium.
• Cautious Driver Discount – Safe drivers can save as much as half off their rates compared to accident prone drivers.
• Claim Free – Insureds with no claims or accidents can save substantially compared to frequent claim filers.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy life insurance from them.
• 55 and Retired – If you qualify as a senior citizen, you are able to get lower premium rates.

One thing to note about discounts is that some of the credits will not apply to the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

The information below illustrates the comparison of Dodge Charger yearly insurance costs with and without discounts applied to the rates. The data is based on a male driver, a clean driving record, no at-fault accidents, Massachusetts state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, marriage, multi-policy, and homeowner discounts applied.

Larger auto insurance companies and a partial list of their discounts are outlined below.

• AAA offers premium reductions for AAA membership discount, pay-in-full, good student, education and occupation, and anti-theft.
• Progressive policyholders can earn discounts including online signing, online quote discount, homeowner, continuous coverage, and good student.
• State Farm may offer discounts for Steer Clear safe driver discount, Drive Safe & Save, defensive driving training, good student, and multiple policy.
• Esurance offers discounts for good driver, emergency road assistance, DriveSense, online quote, paid-in-full, good student, and Switch & Save.
• Nationwide discounts include Farm Bureau membership, accident-free, good student, defensive driving, and multi-policy.

If you are trying to find affordable Dodge Charger insurance quotes, ask every company to give you their best rates. Some discounts might not apply in Boston.

Insurance agencies can find coverage gaps

Many drivers would rather sit down with an agent and often times that is recommended Most agents can help determine the best coverages and help in the event of a claim. An additional benefit of getting free rate quotes online is the fact that drivers can get lower rates and also buy local.

For easy comparison, once you complete this form (opens in new window), the quote information is submitted to local insurance agents in Boston that can provide free Boston car insurance quotes for your insurance coverage. You don’t have to search for an agent because quoted prices will be sent immediately to you. In the event you want to compare rates from one company in particular, feel free to navigate to their website and fill out the quote form the provide.

Choosing the best company should depend on more than just a low price. The questions below may impact your decision as well.

• By raising physical damage deductibles, how much would you save?
• Which insurance company do they prefer to write with?
• Do they get extra compensation for selling add-on coverages?
• Is the agency covered by Errors and Omissions coverage?
• In the event of vehicle damage, can you pick the collision repair facility?

When researching a good insurance agency, you should know the types of insurance agents and how they differ in how they quote coverages. Insurance agencies can either be independent agents or exclusive agents. Both can properly insure your vehicles, but it’s a good idea to understand why they differ since it can impact your selection of an agent.

Exclusive Agencies

Exclusive agents write business for a single company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide other company’s prices so they are skilled at selling on more than just price. They are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates. Consumers sometimes buy insurance from these agents mostly because of the prominent brand name rather than having low rates.

Listed below are Boston exclusive agents who can help you get price quote information.

• AAA Boston
  125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
• Allstate Insurance: Abner Joseph
  571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map

View more agents

Independent Agencies or Brokers

Independent agents are not employed by any specific company so they can write business through many companies and find the cheapest insurance rates. If they quote lower rates, your agent can just switch to a different company without you having to go to a different agency. If you are comparing insurance prices, you need to compare quotes from a couple of independent agencies to have the most options to choose from. Most have the option of insuring with companies that do not advertise much that can offer cheaper rates than bigger companies.

Listed below are independent agents in Boston willing to provide rate quotes.

• Alan J Ross Insurance Agency Inc
  225 Franklin St – Boston, MA 02110 – (617) 449-9413 – View Map
• Knapp Schenck Insurance Services
  1 India St #204 – Boston, MA 02109 – (617) 742-3366 – View Map
• Arbella Insurance
  120 Middlesex Ave – Somerville, MA 02145 – (617) 666-0222 – View Map

View more agents

If you get positive responses to your questions and a low price estimate, you have narrowed it down to a car insurance agent that is professional and can service your policy.

Which is the best car insurance?

When it comes to choosing your policy, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

• Are my friends covered when driving my Dodge Charger?
• Is water damage covered by my policy?
• Do I need motorclub coverage?
• When should I buy a commercial auto policy?
• If I drive on a suspended license am I covered?
• Does rental coverage apply when I am renting a car?
• How high should deductibles be on a Dodge Charger?
• Does coverage extend to a rental car in a foreign country?
• How can I get the company to pay a claim?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Quote more to save more

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. In too many instances, someone sacrificed full coverage only to find out they didn’t purchase enough coverage. The aim is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

Some insurance providers may not provide online rate quotes and most of the time these smaller companies only sell through independent agents. Discount Dodge Charger insurance can be purchased both online and from local agencies, so you should compare both to have the best rate selection.

We covered a lot of techniques to compare Dodge Charger insurance car insurance rates in Boston. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding the cheapest Dodge Charger rate quotes. You may even be surprised to find that the most savings is with the least-expected company.

Much more information about auto insurance in Massachusetts is available at these links:

• Where can I buy Insurance? (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance Quotes for a Jeep Wrangler in Boston? (FAQ)
• Who Has the Cheapest Boston Car Insurance Quotes for High Mileage Drivers? (FAQ)
• How Much is Boston Auto Insurance for State Employees? (FAQ)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• Car Insurance: When not to Skimp (BankRate.com)