Save on Dodge Charger Insurance in Colorado Springs

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Discount Dodge Charger insuranceIf saving money is your primary concern, then the best way to get the cheapest auto insurance rates in Colorado Springs is to regularly compare price quotes from different companies that insure vehicles in Colorado. Drivers can shop around by following these guidelines.

  • Step 1: Get a basic knowledge of how your policy works and the measures you can control to keep rates down. Many rating criteria that are responsible for high rates like careless driving and a substandard credit score can be remedied by making lifestyle changes or driving safer.
  • Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like GEICO and Allstate, while independent agents can quote prices from many different companies. Compare rates
  • Step 3: Compare the new quotes to your current policy premium to see if a cheaper rate is available in Colorado Springs. If you find better rates, make sure there is no coverage gap between policies.
  • Step 4: Notify your current company of your intent to cancel your current car insurance policy. Submit payment and a signed application for the new coverage. Don't forget to put the new proof of insurance certificate above your visor, in the console, or in the glove compartment.

A crucial key to this process is to make sure you enter similar limits and deductibles on every price quote and and to look at as many companies as possible. Doing this provides a fair rate comparison and a thorough selection of prices.

It's a fact that auto insurance companies want to prevent you from shopping around. Insureds who compare rates at least once a year are highly likely to switch insurance companies because the odds are good of finding lower rate quotes. A study showed that consumers who compared rates annually saved as much as $3,500 over four years compared to other drivers who never shopped around.

If finding budget-friendly rates on Dodge Charger insurance is your ultimate target, then understanding how to shop for cheaper coverage can save time and money.

Finding a better price on insurance is actually quite simple. The only thing you need to do is invest a little time comparing rate quotes online with multiple companies.

Comparison shopping rates online is easy and it makes it obsolete to drive around to different Colorado Springs agent offices. Comparing Dodge Charger insurance rates online has made agencies unnecessary unless your situation requires the trained advice of a local Colorado Springs agent. Drivers can price shop online and still use a local agent.

The companies shown below are ready to provide comparison quotes in Colorado. To locate cheap car insurance in Colorado Springs, it's a good idea that you compare several of them to find the most affordable auto insurance rates.

Dodge Charger coverage analysis

The rate table displayed below highlights detailed analysis of insurance premium costs for Dodge Charger models. Having knowledge of how insurance prices are formulated can assist in making decisions when choosing a new policy provider.

Dodge Charger Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $164 $288 $422 $24 $126 $1,024 $85
Charger $164 $288 $422 $24 $126 $1,024 $85
Charger AWD $164 $288 $422 $24 $126 $1,024 $85
Charger 3.5 AWD $164 $288 $422 $24 $126 $1,024 $85
Charger SXT $164 $288 $422 $24 $126 $1,024 $85
Charger SXT AWD $164 $288 $422 $24 $126 $1,024 $85
Charger Rallye $164 $288 $422 $24 $126 $1,024 $85
Charger R/T $164 $332 $422 $24 $126 $1,068 $89
Charger Rallye AWD $164 $332 $422 $24 $126 $1,068 $89
Charger R/T AWD $182 $332 $422 $24 $126 $1,086 $91
Charger SRT-8 $182 $332 $422 $24 $126 $1,086 $91
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can change price quotes considerably.

Can higher deductibles save money?

One of the most common insurance questions is the level to set your comp and collision deductibles. The following tables help summarize the costs and benefits between high and low policy deductibles. The first pricing table uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Dodge Charger insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $380 $644 $440 $26 $132 $1,647 $137
Charger $380 $644 $440 $26 $132 $1,647 $137
Charger AWD $380 $644 $440 $26 $132 $1,647 $137
Charger 3.5 AWD $380 $644 $440 $26 $132 $1,647 $137
Charger SXT $380 $644 $440 $26 $132 $1,647 $137
Charger SXT AWD $380 $644 $440 $26 $132 $1,647 $137
Charger Rallye $380 $644 $440 $26 $132 $1,647 $137
Charger R/T $380 $740 $440 $26 $132 $1,743 $145
Charger Rallye AWD $380 $740 $440 $26 $132 $1,743 $145
Charger R/T AWD $420 $740 $440 $26 $132 $1,783 $149
Charger SRT-8 $420 $740 $440 $26 $132 $1,783 $149
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Dodge Charger insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $210 $340 $440 $26 $132 $1,148 $96
Charger $210 $340 $440 $26 $132 $1,148 $96
Charger AWD $210 $340 $440 $26 $132 $1,148 $96
Charger 3.5 AWD $210 $340 $440 $26 $132 $1,148 $96
Charger SXT $210 $340 $440 $26 $132 $1,148 $96
Charger SXT AWD $210 $340 $440 $26 $132 $1,148 $96
Charger Rallye $210 $340 $440 $26 $132 $1,148 $96
Charger R/T $210 $390 $440 $26 $132 $1,198 $100
Charger Rallye AWD $210 $390 $440 $26 $132 $1,198 $100
Charger R/T AWD $232 $390 $440 $26 $132 $1,220 $102
Charger SRT-8 $232 $390 $440 $26 $132 $1,220 $102
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in vehicle garaging location which can increase or decrease coverage rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $43 more each month or $516 annually than opting for the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 21 months between claims, you would save more money by going with a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $141
Average monthly premium for $1,000 deductibles (subtract): - $98
Monthly savings from raising deductible: $43
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $43
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important caveat is that higher deductibles means you will have to pay more out-of-pocket when you do file a claim. That will necessitate some extra funds in the event you need to pay the higher deductible.

The illustration below shows how choosing a deductible and can affect Dodge Charger insurance costs for different age categories. The rate quotes are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

Impact of violations and accidents on rates in Colorado Springs

The chart below highlights how speeding tickets and at-fault fender-benders influence Dodge Charger insurance costs for each age group. Data assumes a married male driver, full coverage, $100 deductibles, and no discounts are factored in.

Cost comparison with and without full coverage

The information below visualizes the comparison of Dodge Charger car insurance costs with full coverage compared to only the Colorado minimum liability coverage. The rate quotes are based on no violations or claims, $500 deductibles, drivers are single, and no discounts are factored in.

When to stop paying for full coverage

There isn't a written rule to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let's say your Dodge Charger claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after paying your policy deductible. If you are paying more than $800 a year to have full coverage, then you may need to consider dropping full coverage.

There are some cases where removing full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

How to know if you need help

When quoting and comparing your policy, there really is not a perfect coverage plan. Every insured's situation is different and your insurance should be unique as well.Higher deductibles save money Here are some questions about coverages that can aid in determining if your insurance needs might need an agent's assistance.

  • Is a fancy paint job covered?
  • Is my nanny covered when transporting my kids?
  • At what point should I drop full coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my insurance cover my expensive audio equipment?
  • Does my personal policy cover me when driving out-of-state?
  • If my car is totaled with they pay enough to replace it?

If you can't answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It's fast, free and can provide invaluable advice.

Do I need an insurance agency?

A lot of people just want to get professional advice from a licensed agent and that is a smart decision Good insurance agents can help you build your policy and help submit paperwork. One of the benefits of comparing car insurance online is that drivers can save money and get the lowest rates and still have a local agent. Supporting neighborhood insurance agencies is definitely important in Colorado Springs.

Colorado Springs insurance agentsAfter filling out this form (opens in new window), the quote information is transmitted to local insurance agents that can provide free Colorado Springs car insurance quotes for your coverage. You won't need to contact an agency because prices are sent immediately to you. If for some reason you want to compare prices from one company in particular, don't hesitate to navigate to their website to submit a rate quote request.

Shown below is a list of insurers in Colorado Springs that may be willing to give rate quotes for Dodge Charger insurance in Colorado Springs.

2105 E Bijou St A - Colorado Springs, CO 80909 - (719) 636-3369 - View Map

1614 Academy Blvd N b - Colorado Springs, CO 80909 - (719) 596-1414 - View Map

1825 Main St #D - Colorado Springs, CO 80911 - (719) 392-7366 - View Map

125 N Parkside Dr #201f - Colorado Springs, CO 80909 - (719) 635-9557 - View Map

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Finding the right insurance company should depend on more than just a cheap price quote. These are some valid questions you should ask.

  • If you raise deductibles, how much can you save?
  • Will they make sure you get an adequate claim settlement?
  • Is insurance their full-time profession?
  • Do they specialize in personal lines coverage in Colorado Springs?
  • Do the coverages you're quoting properly cover your vehicle?

If you receive positive feedback to your questions as well as low cost Dodge Charger insurance quotes, it's possible that you found an insurance company that can be relied on to provide car insurance coverage.