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.

Insurance quote for Dodge Charger in BostonIf 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.

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.

Dodge Charger Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $204 $344 $392 $24 $118 $1,082 $90
Charger $204 $344 $392 $24 $118 $1,082 $90
Charger AWD $204 $344 $392 $24 $118 $1,082 $90
Charger 3.5 AWD $204 $344 $392 $24 $118 $1,082 $90
Charger SXT $204 $344 $392 $24 $118 $1,082 $90
Charger SXT AWD $204 $344 $392 $24 $118 $1,082 $90
Charger Rallye $204 $344 $392 $24 $118 $1,082 $90
Charger R/T $204 $396 $392 $24 $118 $1,134 $95
Charger Rallye AWD $204 $396 $392 $24 $118 $1,134 $95
Charger R/T AWD $224 $396 $392 $24 $118 $1,154 $96
Charger SRT-8 $224 $396 $392 $24 $118 $1,154 $96
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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.

Dodge Charger insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $362 $612 $418 $24 $126 $1,567 $131
Charger $362 $612 $418 $24 $126 $1,567 $131
Charger AWD $362 $612 $418 $24 $126 $1,567 $131
Charger 3.5 AWD $362 $612 $418 $24 $126 $1,567 $131
Charger SXT $362 $612 $418 $24 $126 $1,567 $131
Charger SXT AWD $362 $612 $418 $24 $126 $1,567 $131
Charger Rallye $362 $612 $418 $24 $126 $1,567 $131
Charger R/T $362 $704 $418 $24 $126 $1,659 $138
Charger Rallye AWD $362 $704 $418 $24 $126 $1,659 $138
Charger R/T AWD $398 $704 $418 $24 $126 $1,695 $141
Charger SRT-8 $398 $704 $418 $24 $126 $1,695 $141
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Dodge Charger insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $200 $322 $418 $24 $126 $1,090 $91
Charger $200 $322 $418 $24 $126 $1,090 $91
Charger AWD $200 $322 $418 $24 $126 $1,090 $91
Charger 3.5 AWD $200 $322 $418 $24 $126 $1,090 $91
Charger SXT $200 $322 $418 $24 $126 $1,090 $91
Charger SXT AWD $200 $322 $418 $24 $126 $1,090 $91
Charger Rallye $200 $322 $418 $24 $126 $1,090 $91
Charger R/T $200 $372 $418 $24 $126 $1,140 $95
Charger Rallye AWD $200 $372 $418 $24 $126 $1,140 $95
Charger R/T AWD $222 $372 $418 $24 $126 $1,162 $97
Charger SRT-8 $222 $372 $418 $24 $126 $1,162 $97
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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.

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.Cheaper auto insurance with discounts

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.

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.

Insurance agency in BostonFor 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.

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.

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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.

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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.Drive safe and save

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

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: