Cheap Insurance for a Dodge Charger in Fresno

Want to save money and find the cheapest car insurance rates in Fresno, CA? Fresno drivers have many options when trying to find the lowest priced Dodge Charger insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to find the lowest rates. There is a right way and a wrong way to find car insurance online and you need to know the best way to price shop coverage for your Dodge and obtain the lowest price.

Smart consumers take time to get comparison quotes quite often because insurance prices change regularly. Even if you got the best rates on Dodge Charger insurance in Fresno on your last policy you will most likely find a better rate quote today. There is a lot of bad advice regarding Charger insurance on the web, but in a few minutes you can learn some excellent ideas to lower your car insurance bill.

Cheapest auto insurance in Fresno, CA

The providers in the list below have been selected to offer free rate quotes in Fresno, CA. If your goal is to find cheaper car insurance in California, we recommend you visit as many as you can to get a more complete price comparison.

Auto insurance analysis for a Dodge Charger

The price information below highlights different rate quotes for Dodge Charger models. Having insight into how auto insurance prices are formulated can aid in making informed decisions when shopping around for a new policy.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price information does not factor in Fresno location which can increase or decrease premium rates significantly.

Auto insurance deductibles

One of the more difficult decisions when buying auto insurance is which deductibles should you choose. The premium rates below may help you to understand the differences in price of buying low and high physical damage coverage deductibles. The first rate estimation uses a $100 deductible and the second data table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price information does not factor in vehicle location which can impact auto insurance rates noticeably.

Using the data above, we can ascertain that using a $100 deductible costs about $36 more each month or $432 a year than quoting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 11 months between claim filings, you would probably be better off by going with a higher deductible. Below is an example of how you can decide this on your own policy.

Auto insurance premiums by gender

The chart below illustrates the comparison of Dodge Charger insurance costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Seven factors that affect insurance rates

Many factors are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but other criteria are more obscure such as whether you are married or your commute time. An important part of buying insurance is that you know the rating factors that help calculate car insurance rates. When consumers understand what determines premiums, this helps enable you to make changes that will entitle you to lower car insurance prices.

• With age comes responsibility – Teenage drivers in California have a tendency to be more careless when behind the wheel and because of this, their car insurance rates are much higher. Adding a teenage driver to your car insurance policy can increase premiums substantially. Older insureds tend to be more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets.

  The next chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• More performance means higher costs – The performance of the vehicle you need to insure makes a substantial difference in your auto insurance rates. Economy passenger vehicles normally have pretty low rates, but that’s not the only thing that factors into the final price.

  The next chart assumes a married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It illustrates Dodge Charger insurance premiums compared to other makes and models that have a range of performance risks.

• Amount of liability – Liability insurance will protect you if ever you are determined to be liable for damages caused by your negligence. It provides for a legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
• Compare rates if you bundle your policies – Some insurers will give better rates to policyholders that buy multiple policies in the form of a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to compare Dodge Charger rates in Fresno to help ensure you have the lowest rates.

• Good drivers pay less – Your driving citation history influences premium rates substantially. Attentive drivers tend to pay less for car insurance compared to bad drivers. Just one ticket may cause rates to rise substantially. Drivers with multiple violations such as DUI or willful reckless driving may need to submit a SR-22 or proof of financial responsibility with their state in order to legally drive a vehicle.

  The example below shows how violations and at-fault collisions increase Dodge Charger annual premium costs for different age groups. The information is based on a single female driver, full coverage, $100 deductibles, and no other discounts are factored in.

• Your location is important – Having an address in smaller towns and rural areas of the country can be a good thing when shopping for auto insurance. Urban drivers tend to have much more traffic and much longer commute distances. Fewer drivers translates into fewer accident claims in addition to lower liability claims.
• A coverage lapse can increase premiums – Having an insurance coverage lapse is a quick way to bump up your car insurance costs. Not only will you pay more, the inability to provide proof of insurance could earn you a license revocation or jail time.

• Dodge Charger claim data – Companies study historical loss data to help calculate a profitable premium price. Models that the data determines to have higher claim amounts or frequency will be charged more to insure. The table below illustrates the insurance loss data for Dodge Charger vehicles.

  For each coverage type, the statistical loss for all vehicles averaged together is equal to 100. Values that are below 100 are indicative of better than average losses, while values over 100 indicate a higher chance of having a claim or a tendency for claims to be larger.

  
  

  Insurance Loss Ratings for Dodge Charger Vehicles

  Vehicle Make and 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

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheaper Dodge Charger insurance in Fresno

Not too many consumers would say car insurance is affordable, but discounts can save money and there are some available that can help lower your rates. Many of these discounts will be applied automatically when you complete an application, but some need to be specifically requested prior to receiving the credit. If you’re not getting every credit you deserve, you could be getting lower rates.

• Anti-lock Brake System – Cars with ABS and/or traction control have fewer accidents and qualify for as much as a 10% discount.
• Online Discount – Some of the larger companies provide a small discount for signing up over the internet.
• Accident Waiver – Not a discount per se, but certain companies will let one accident slide without the usual rate increase if your claims history is clear for a specific time period.
• New Car Discount – Buying car insurance coverage on a new vehicle can be considerably cheaper due to better safety requirements for new model year vehicles.
• Service Members Pay Less – Having an actively deployed family member could be rewarded with lower premium rates.
• Organization Discounts – Being in a qualifying organization could trigger savings when getting a Fresno auto insurance quote.
• Full Payment Discount – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
• Sign Early and Save – Some insurance companies reward drivers for switching companies before your current coverage expires. It’s a savings of about 10%.
• Low Mileage Discounts – Low mileage vehicles may enable drivers to earn lower car insurance rates due to less chance of an accident.
• More Vehicles More Savings – Purchasing coverage when you have more than one vehicle on the same car insurance policy could earn a price break for each car.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. Even though it appears you could get a free car insurance policy, you’re out of luck.

The information below shows the comparison of Dodge Charger car insurance rates with and without discounts applied to the policy premium. The costs are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, safe-driver, multi-car, and multi-policy discounts applied.

The best car insurance companies and a partial list of their discounts include:

• State Farm has savings for safe vehicle, good driver, defensive driving training, Drive Safe & Save, anti-theft, and multiple policy.
• Progressive may offer discounts for online quote discount, good student, homeowner, multi-vehicle, multi-policy, online signing, and continuous coverage.
• Progressive offers discounts for continuous coverage, homeowner, good student, online signing, multi-policy, and online quote discount.
• MetLife has discounts for claim-free, defensive driver, good driver, multi-policy, accident-free, and good student.
• Farm Bureau includes discounts for youthful driver, 55 and retired, driver training, multi-vehicle, safe driver, and renewal discount.
• GEICO offers discounts including membership and employees, emergency military deployment, multi-vehicle, multi-policy, daytime running lights, and anti-lock brakes.
• SAFECO discounts include anti-theft, teen safe driver, homeowner, teen safety rewards, and bundle discounts.

When quoting, ask every prospective company which credits you are entitled to. Some credits may not be available in Fresno. If you would like to choose from a list of companies that offer multiple discounts in California, follow this link.

Get rate quotes but buy from a local Fresno insurance agency

Certain consumers prefer to get advice from a local agent and we recommend doing that Professional insurance agents can point out coverage gaps and help you file claims. A nice benefit of comparing insurance prices online is the fact that drivers can get the lowest rates and still choose a local agent.

Once you complete this short form, your insurance coverage information is emailed to local insurance agents that can provide free Fresno auto insurance quotes to get your business. There is no reason to find an agent since price quotes are sent to you. If for some reason you want to compare prices from a specific company, you just need to search and find their rate quote page and submit a quote form there.

Picking the best insurance company should depend on more than just the premium amount. Here are some questions to ask:

• Which insurance companies are they affiliated with?
• Are they giving you every discount you deserve?
• How experienced are they in personal risk management?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Is there a Errors and Omissions policy in force?
• Will they take your side in the event of a claim?
• Do they offer claims assistance after hours?

When searching for a reliable insurance agent, it can be helpful to understand the different agency structures that you can select. Insurance agencies in Fresno are categorized either independent or exclusive. Either one can write policy coverage, but it’s important to know the difference between them because it may have an impact on your agent selection.

Exclusive Agencies

These type of agents can only provide one company’s prices such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to place coverage with different providers so they are skilled at selling on more than just price. They are well schooled on their company’s products which helps them sell insurance even at higher premiums. Consumers often buy from exclusive agents partially due to the brand rather than having low rates.

Below is a short list of exclusive agencies in Fresno that can give you price quote information.

• Progressive Insurance
  7020 N Marks Ave #107 – Fresno, CA 93711 – (559) 353-3500 – View Map
• Kathryn Dosher – State Farm Insurance Agent
  125 E Barstow Ave #113 – Fresno, CA 93710 – (559) 221-6165 – View Map
• Allstate Insurance: Roger Noguera
  3032 W Bullard Ave – Fresno, CA 93711 – (559) 435-2246 – View Map

More Fresno agents

Independent Agents

Independent agencies often have affiliation with several companies so as a result can place your coverage amongst many companies and potentially find a lower price. If they find a cheaper price, your agent can just switch to a different company and you stay with the same agent. When comparing car insurance prices, it’s a good idea to get some free quotes from a few independent agents in order to compare the most rates. Most independent agents also contract with smaller regional carriers who may have lower rates.

The following is a short list of independent insurance agents in Fresno that are able to give price quotes.

• Schramm Insurance
  964 Pollasky Ave b – Clovis, CA 93612 – (559) 323-0333 – View Map
• Pan American Insurance Agency
  7673 N Ingram Ave # 103 – Fresno, CA 93711 – (800) 303-8272 – View Map
• Bulldog Insurance Agency
  7975 N Cedar Ave – Fresno, CA 93720 – (559) 447-5000 – View Map

More Fresno agents

Cheaper car insurance is out there

When trying to cut insurance costs, do not skimp on coverage in order to save money. In many cases, an accident victim reduced liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.

We just covered some good ideas how to find cheap Dodge Charger insurance in Fresno. The most important thing to understand is the more times you quote, the better chance you’ll have of finding affordable Dodge Charger insurance quotes. Drivers may even discover the lowest premium rates come from the least-expected company.

Cheaper Dodge Charger insurance in Fresno can be purchased online in addition to many Fresno insurance agents, so you need to quote Fresno auto insurance with both in order to have the best price selection to choose from. A few companies may not have internet price quotes and these small insurance companies sell through independent agents.

How to find affordable quotes for Dodge Charger insurance in Fresno

The preferred way to find more affordable Dodge Charger insurance in Fresno is to begin comparing prices regularly from companies in California. Prices can be compared by following these guidelines.

1. It will benefit you to learn about the different coverages in a policy and the changes you can make to keep rates in check. Many rating criteria that increase rates like traffic violations and a less-than-favorable credit history can be rectified by making lifestyle changes or driving safer.
2. Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or State Farm, while agents who are independent can give you price quotes from many different companies. Compare rates
3. Compare the new quotes to your current policy premium and see if there is a cheaper rate. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Notify your company or agent of your intention to cancel your current policy and submit a completed application and payment to your new company or agent. When you receive it, place the new proof of insurance certificate in your glove compartment.

A tip to remember is to make sure you enter similar coverage information on every price quote and and to compare as many auto insurance providers as possible. Doing this provides a level playing field and a complete selection of prices.

Even more information can be found by following these links:

• Neck Injury FAQ (iihs.org)
• Senior Drivers (Insurance Information Institute)
• Distracted Driving Statistics (Insurance Information Institute)
• Information for Teen Drivers (GEICO)