Discount Dodge Charger insuranceFinding the cheapest insurance for a new or used Dodge Charger in South Carolina can normally be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to find insurance online and we'll show you the quickest way to price shop coverage for a new or used Dodge and locate the best price possible.

Consumers should take time to get comparison quotes quite often because insurance rates are rarely the same from one policy term to another. Even if you got the lowest rate on Dodge Charger insurance in Columbia six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because I'm going to teach you how to use online quotes to save on insurance.

Finding quotes for affordable coverage in Columbia is not as hard as you think. If you are already insured or need a new policy, you can use these techniques to cut your premiums without reducing protection. Vehicle owners just need to use the fastest way to get comparison rates from many companies at once.

The following companies are ready to provide price comparisons in South Carolina. If more than one company is shown, it's a good idea that you compare several of them to get the most affordable price.

Dodge Charger Insurance Rate Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $318 $644 $482 $28 $144 $1,616 $135
Charger $420 $624 $558 $34 $168 $1,804 $150
Charger AWD $318 $612 $448 $26 $134 $1,538 $128
Charger 3.5 AWD $286 $514 $482 $28 $144 $1,454 $121
Charger SXT $158 $274 $400 $24 $120 $976 $81
Charger SXT AWD $302 $482 $440 $26 $132 $1,382 $115
Charger Rallye $318 $644 $482 $28 $144 $1,616 $135
Charger R/T $258 $550 $554 $32 $166 $1,560 $130
Charger Rallye AWD $332 $602 $426 $26 $128 $1,514 $126
Charger R/T AWD $314 $590 $482 $28 $144 $1,558 $130
Charger SRT-8 $256 $476 $482 $28 $144 $1,386 $116
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in specific garaging location which can impact premiums considerably.

Dodge Charger annual premiums for males versus females

The example below illustrates the comparison of Dodge Charger yearly insurance costs for male and female drivers. The information is based on no violations or accidents, full coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.

Choosing deductibles

One frequently asked question is which deductibles should you choose. The comparisons below can help show the price difference when you select higher and lower physical damage deductibles. The first table uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Dodge Charger insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $370 $624 $426 $26 $128 $1,599 $133
Charger $370 $624 $426 $26 $128 $1,599 $133
Charger AWD $370 $624 $426 $26 $128 $1,599 $133
Charger 3.5 AWD $370 $624 $426 $26 $128 $1,599 $133
Charger SXT $370 $624 $426 $26 $128 $1,599 $133
Charger SXT AWD $370 $624 $426 $26 $128 $1,599 $133
Charger Rallye $370 $624 $426 $26 $128 $1,599 $133
Charger R/T $370 $720 $426 $26 $128 $1,695 $141
Charger Rallye AWD $370 $720 $426 $26 $128 $1,695 $141
Charger R/T AWD $408 $720 $426 $26 $128 $1,733 $144
Charger SRT-8 $408 $720 $426 $26 $128 $1,733 $144
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Dodge Charger insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $204 $330 $426 $26 $128 $1,114 $93
Charger $204 $330 $426 $26 $128 $1,114 $93
Charger AWD $204 $330 $426 $26 $128 $1,114 $93
Charger 3.5 AWD $204 $330 $426 $26 $128 $1,114 $93
Charger SXT $204 $330 $426 $26 $128 $1,114 $93
Charger SXT AWD $204 $330 $426 $26 $128 $1,114 $93
Charger Rallye $204 $330 $426 $26 $128 $1,114 $93
Charger R/T $204 $380 $426 $26 $128 $1,164 $97
Charger Rallye AWD $204 $380 $426 $26 $128 $1,164 $97
Charger R/T AWD $226 $380 $426 $26 $128 $1,186 $99
Charger SRT-8 $226 $380 $426 $26 $128 $1,186 $99
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in specific location information which can raise or lower auto insurance rates considerably.

Based on the above data, using a $100 deductible will cost in the ballpark of $41 more each month or $492 each year than opting for the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 22 months between claims, you would probably come out ahead if you elect the higher deductible. Below is an example of how you can make your own decision.

Average monthly premium for $100 deductibles: $136
Average monthly premium for $1,000 deductibles (subtract): - $95
Monthly savings from raising deductible: $41
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $41
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One important issue to know is that raising deductibles means you will have to cover more of the damage yourself if you have a claim. You will want to have enough money stashed away in order to pay the deductible to have repairs made.

Accidents and violations increase rates

The example below demonstrates how traffic citations and fender-benders increase Dodge Charger insurance premiums for different age groups of insureds. The premiums are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Why you need insurance

Despite the high cost of buying insurance for a Dodge Charger in Columbia, paying for insurance may be required and benefits you in several ways.

The benefits of insuring your Charger are without a doubt worth the cost, particularly for liability claims. The average driver in America overpays as much as $810 a year so you should quote your policy with other companies at every renewal to help ensure money is not being wasted.

Save 15 percent in 15 minutes? Is it for real?

South Carolina drivers constantly see and hear ads that claim the lowest rates by 21st Century, Allstate and State Farm. They all convey the message about how much you will save if you move to their company.

How is it plausible that every one can give you a better price on Dodge Charger insurance in Columbia? Here is how they do it.

Many companies have a certain "appetite" for the type of driver that earns them the highest profit. For example, a profitable customer could possibly be between the ages of 30 and 45, is a homeowner, and drives less than 7,500 miles a year. A customer that hits that "sweet spot" receives the best auto insurance rates in Columbia and will probably save quite a bit of money when switching.

Insureds who do not fit this stringent profile may be required to pay higher premium rates with the end result being the driver buying from a lower-cost company. The trick is to say "people who switch" but not "all drivers who get quotes" can save as much as they claim. That's why insurance companies can confidently make claims that they all have the best rates.

This emphasizes why you should get Columbia auto insurance quotes as often as possible. It's just not possible to know which company will give you lower prices than your current company.

These discounts can slash Dodge Charger insurance rates

Some providers do not advertise every available discount very well, so the following list contains some of the best known as well as some of the hidden credits available to lower your premiums when you buy Columbia auto insurance online.Cheaper car insurance with discounts

Remember that some credits don't apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, it doesn't quite work that way.

The best car insurance companies and the discounts they provide include:

When comparing rates, check with every company which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders everywhere.

Insurance agents are trained to help

Many people still prefer to have an agent's advice and often times that is recommended Professional agents can help you choose the best coverages and help you file claims. One of the best bonuses of comparing insurance prices online is you can get the lowest rates but still work with a licensed agent. Putting coverage with local insurance agents is especially important in Columbia.

Insurance agency in ColumbiaBy using this short form, your information is sent to local insurance agents who can give free rate quotes for your business. It makes it easy because there is no need to contact an agency because quoted prices will be sent to you directly. If you wish to get a comparison quote from a particular provider, don't hesitate to go to their quote page and give them your coverage information.

When narrowing the list to find a local Columbia insurance agency, you must know there are a couple different types of agencies from which to choose. Agents are considered either independent agents or exclusive agents. Either can write auto insurance policies, but it's good to learn why they differ since it may influence your selection of an agent.

Independent Auto Insurance Agencies or Brokers

These agents are not employed by one company so they can write business with any number of different companies and possibly get better coverage at lower prices. If you want to switch companies, they simply move the coverage in-house and you won't have to switch agencies. If you are comparing rate quotes, we recommend you get rate quotes from a few independent agents to ensure the widest selection of prices. They often place coverage with different regional companies that can offer cheaper rates than bigger companies.

Featured below are Columbia independent insurance agencies who can help you get cheap rate quotes.

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Exclusive Agents

Exclusive agents can only quote rates from one company like Farmers Insurance and State Farm. Exclusive agents are unable to provide other company's prices so you might not find the best rates. Exclusive agencies are well schooled on their products and sales techniques which can be an advantage. Consumers sometimes use the same exclusive agent mostly because of the brand legacy rather than low price.

Shown below is a short list of exclusive insurance agencies in Columbia that can give you price quotes.

View more Columbia agents

Deciding on an auto insurance agent requires you to look at more than just the premium amount. These are some valid questions you should ask.

Which is the best insurance?

Keep in mind that when it comes to choosing proper insurance coverage for your vehicles, there really isn't a single plan that fits everyone. Each situation is unique.Drive safe and save

Here are some questions about coverages that might point out if your insurance needs could use an agent's help.

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

One last note

You just learned a lot of tips how to shop for Dodge Charger insurance online. The key concept to understand is the more companies you get rates for, the better likelihood of getting the cheapest Dodge Charger rate quotes. You may even find the lowest prices are with a company that doesn't do a lot of advertising.

As you quote Columbia auto insurance, it's a bad idea to buy less coverage just to save a little money. There are many occasions where an accident victim reduced liability coverage limits to discover at claim time that they should have had better coverage. Your focus should be to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

Lower-priced car insurance in Columbia can be sourced both online and also from your neighborhood Columbia agents, so you should compare both to have the best rate selection. Some insurance companies do not offer price quotes online and usually these regional carriers only sell through independent insurance agents.

More tips and info about car insurance can be found by following these links: