Cheap Insurance for a Dodge Charger in Fresno

Insurance quote for Dodge Charger in FresnoWant 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.

Dodge Charger Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $258 $418 $564 $34 $168 $1,442 $120
Charger $258 $418 $564 $34 $168 $1,442 $120
Charger AWD $258 $418 $564 $34 $168 $1,442 $120
Charger 3.5 AWD $258 $418 $564 $34 $168 $1,442 $120
Charger SXT $258 $418 $564 $34 $168 $1,442 $120
Charger SXT AWD $258 $418 $564 $34 $168 $1,442 $120
Charger Rallye $258 $418 $564 $34 $168 $1,442 $120
Charger R/T $258 $482 $564 $34 $168 $1,506 $126
Charger Rallye AWD $258 $482 $564 $34 $168 $1,506 $126
Charger R/T AWD $284 $482 $564 $34 $168 $1,532 $128
Charger SRT-8 $284 $482 $564 $34 $168 $1,532 $128
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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.

Dodge Charger insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $478 $810 $552 $32 $166 $2,063 $172
Charger $478 $810 $552 $32 $166 $2,063 $172
Charger AWD $478 $810 $552 $32 $166 $2,063 $172
Charger 3.5 AWD $478 $810 $552 $32 $166 $2,063 $172
Charger SXT $478 $810 $552 $32 $166 $2,063 $172
Charger SXT AWD $478 $810 $552 $32 $166 $2,063 $172
Charger Rallye $478 $810 $552 $32 $166 $2,063 $172
Charger R/T $478 $932 $552 $32 $166 $2,185 $182
Charger Rallye AWD $478 $932 $552 $32 $166 $2,185 $182
Charger R/T AWD $528 $932 $552 $32 $166 $2,235 $186
Charger SRT-8 $528 $932 $552 $32 $166 $2,235 $186
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Dodge Charger insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $348 $546 $552 $32 $166 $1,644 $137
Charger $348 $546 $552 $32 $166 $1,644 $137
Charger AWD $348 $546 $552 $32 $166 $1,644 $137
Charger 3.5 AWD $348 $546 $552 $32 $166 $1,644 $137
Charger SXT $348 $546 $552 $32 $166 $1,644 $137
Charger SXT AWD $348 $546 $552 $32 $166 $1,644 $137
Charger Rallye $348 $546 $552 $32 $166 $1,644 $137
Charger R/T $348 $630 $552 $32 $166 $1,728 $144
Charger Rallye AWD $348 $630 $552 $32 $166 $1,728 $144
Charger R/T AWD $384 $630 $552 $32 $166 $1,764 $147
Charger SRT-8 $384 $630 $552 $32 $166 $1,764 $147
Get Your Own Custom Quote Go

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.

Average monthly premium for $100 deductibles: $176
Average monthly premium for $500 deductibles (subtract): – $140
Monthly savings from raising deductible: $36
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

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.

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.Cheaper car insurance with discounts

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:

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.

Insurance agents in FresnoOnce 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:

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.

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.

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: