Dodge Charger Insurance Quotes in Arlington

It’s an obvious statement that insurance companies don’t want you to look for cheaper rates. Drivers who shop around for cheaper price quotes are inclined to move their business because there is a great chance of finding a policy with better rates. Surprisingly, a recent survey revealed that drivers who compared price quotes annually saved as much as $865 annually as compared to drivers who never shopped around for cheaper prices.

If finding the cheapest price on car insurance is why you’re reading this, then having some knowledge of the best ways to find and compare insurance coverage can save time and money.

Insurance rates Dodge Charger in ArlingtonThe best way to get affordable auto insurance rates in Arlington is to start doing an annual price comparison from providers in Texas.

  1. Spend some time learning about individual coverages and the things you can control to prevent expensive coverage. Many policy risk factors that drive up the price like your driving record and bad credit can be eliminated by making minor driving habit or lifestyle changes.
  2. Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Allstate, while agents who are independent can give you price quotes for a wide range of insurance providers.
  3. Compare the new rate quotes to your current policy premium and determine if there is any savings. If you find better rates and change companies, make sure coverage is continuous and does not lapse.

The most important part of shopping around is that you use identical coverages on each quote request and and to get rate quotes from as many different companies as possible. Doing this ensures a fair price comparison and a complete price analysis.

Finding low cost auto insurance quotes is not rocket science. You just have to invest a little time comparing rates provided by online insurance companies.

The providers in the list below provide free quotes in Texas. To get cheap car insurance in Arlington, it’s a good idea that you compare several of them to get the best price comparison.

Dodge Charger insurance rate analysis

The premium table below covers estimates of insurance policy prices for Dodge Charger models. Having a good understanding how insurance policy rates are determined is important for making decisions on the best policy coverages.

Dodge Charger Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $370 $584 $476 $28 $142 $1,600 $133
Charger $370 $584 $476 $28 $142 $1,600 $133
Charger AWD $370 $584 $476 $28 $142 $1,600 $133
Charger 3.5 AWD $370 $584 $476 $28 $142 $1,600 $133
Charger SXT $370 $584 $476 $28 $142 $1,600 $133
Charger SXT AWD $370 $584 $476 $28 $142 $1,600 $133
Charger Rallye $370 $584 $476 $28 $142 $1,600 $133
Charger R/T $370 $672 $476 $28 $142 $1,688 $141
Charger Rallye AWD $370 $672 $476 $28 $142 $1,688 $141
Charger R/T AWD $408 $672 $476 $28 $142 $1,726 $144
Charger SRT-8 $408 $672 $476 $28 $142 $1,726 $144
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Prices do not factor in specific location which can influence price quotes significantly.

Choosing deductibles

A question often asked by Arlington drivers is which deductible level should you buy. The rates shown below can help show the differences in price when you buy lower versus higher physical damage coverage deductibles. The first set of prices uses a $100 deductible for physical damage and the second price table uses a $500 deductible.

Dodge Charger insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $412 $698 $476 $28 $142 $1,781 $148
Charger $412 $698 $476 $28 $142 $1,781 $148
Charger AWD $412 $698 $476 $28 $142 $1,781 $148
Charger 3.5 AWD $412 $698 $476 $28 $142 $1,781 $148
Charger SXT $412 $698 $476 $28 $142 $1,781 $148
Charger SXT AWD $412 $698 $476 $28 $142 $1,781 $148
Charger Rallye $412 $698 $476 $28 $142 $1,781 $148
Charger R/T $412 $804 $476 $28 $142 $1,887 $157
Charger Rallye AWD $412 $804 $476 $28 $142 $1,887 $157
Charger R/T AWD $454 $804 $476 $28 $142 $1,929 $161
Charger SRT-8 $454 $804 $476 $28 $142 $1,929 $161
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Dodge Charger insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $300 $472 $476 $28 $142 $1,418 $118
Charger $300 $472 $476 $28 $142 $1,418 $118
Charger AWD $300 $472 $476 $28 $142 $1,418 $118
Charger 3.5 AWD $300 $472 $476 $28 $142 $1,418 $118
Charger SXT $300 $472 $476 $28 $142 $1,418 $118
Charger SXT AWD $300 $472 $476 $28 $142 $1,418 $118
Charger Rallye $300 $472 $476 $28 $142 $1,418 $118
Charger R/T $300 $542 $476 $28 $142 $1,488 $124
Charger Rallye AWD $300 $542 $476 $28 $142 $1,488 $124
Charger R/T AWD $332 $542 $476 $28 $142 $1,520 $127
Charger SRT-8 $332 $542 $476 $28 $142 $1,520 $127
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in vehicle location which can modify prices substantially.

We can estimate from the data above that using a $100 deductible costs about $31 more each month or $372 annually across all Dodge Charger models than quoting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 13 months between claim filings, you would probably save some money if you choose a higher deductible.

Dodge Charger insurance rates by age and gender

The information below compares Dodge Charger car insurance costs for male and female drivers. The price estimates are based on no accidents, no driving violations, comp and collision included, $250 deductibles, single status, and no discounts are factored in.

Car insurance in Texas serves several purposes

Despite the fact that car insurance is not cheap in Arlington, maintaining insurance is required in Texas but also provides important benefits.

First, most states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your car has a lienholder, most lenders will make it a condition of the loan that you have comprehensive coverage to guarantee loan repayment. If you do not pay your insurance premiums, the lender may insure your Dodge at an extremely high rate and make you pay for the expensive policy.

Third, car insurance preserves both your assets and your vehicle. It will also pay for medical bills for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay to defend you in the event you are sued. If you have damage to your Dodge as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying car insurance more than offset the price you pay, especially with large liability claims. Unknowingly, the average driver overpays more than $825 a year so shop around each time the policy renews to make sure the price is not too high.

Smart Consumers Save Money

Lots of things are part of the equation when pricing auto insurance. Some are obvious such as traffic violations, although others are not as apparent such as whether you are married or your commute time.

Premiums drop with age – Older insureds are more responsible, tend to file fewer claims, and usually have better credit. Teenage drivers are known to be less responsible when driving with friends and because of this, their car insurance rates are much higher.

The chart below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.

Do you save by driving less? – The higher the miles on your Dodge in a year’s time the more you’ll pay to insure it. Most companies charge to insure your cars based on their usage. Cars left parked in the garage cost less to insure than vehicles that are driven to work every day. Incorrect rating for your Charger may be costing you. It’s a good idea to make sure your car insurance declarations sheet is rated on the correct driver usage, because it can save money.

Higher premiums for specific jobs – Do you work in a high-stress field? Careers such as military generals, airline pilots, and accountants generally have higher premiums than the average policyholder in part from intense work situations and lengthy work days. On the flip side, professions such as farmers, engineers and homemakers have lower than average premiums.

Lower rates for married couples – Being married may cut your premiums when buying car insurance. Having a spouse translates into being more responsible and statistics prove married drivers get in fewer accidents.

Prevent theft and lower prices – Choosing to buy a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms can thwart auto theft.

Loss statistics for a Dodge Charger – Companies factor in insurance loss information when setting rates for each model. Vehicles that have a trend towards higher claims will have higher premium rates.

The information below illustrates the historical insurance loss data for Dodge Charger vehicles. For each coverage type, the claim probability for all vehicles, regardless of make or model, is considered to be 100. Values below 100 mean the vehicle has better than average losses, while numbers above 100 point to more losses or a tendency for losses to be larger than average.

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

Statistics from for 2013-2015 Model Years

Do I just need basic coverages?

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. Every insured’s situation is different and your insurance should unique, too.Insurance savings
For instance, these questions might point out whether you will benefit from professional help.

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

How to find a good Arlington car insurance company

Insuring your vehicle with a highly-rated auto insurance company can be challenging considering how many different companies sell coverage in Arlington. The company ratings shown below could help you analyze which auto insurance companies you want to consider when comparing rate quotes.

Top 10 Arlington Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Top 10 Arlington Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Find cheaper rates by being thorough

In this article, we presented many ways to save on Dodge Charger insurance in Arlington. The key concept to understand is the more companies you get prices for, the better likelihood of getting inexpensive Arlington auto insurance quotes. Consumers could even find that the biggest savings come from the least-expected company. They often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

Some insurance companies may not have online quoting and these regional carriers work with independent insurance agencies. Cost effective Dodge Charger insurance can be bought online and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis.

Much more information about car insurance in Texas can be read below: