Car Insurance Quotes for a Dodge Charger in Fort Worth

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Dodge Charger insurance rates
Dodge Charger insurance rates image courtesy of QuoteInspector.com

Insurance for Dodge ChargerUnbelievable but true, about 70% of customers renewed their policy with the same company for more than four years, and just under half have never compared rates to find affordable insurance. Many drivers in the U.S. could save as much as 47% each year just by getting comparison quotes, but they don't want to spend time to compare other rate quotes.

Truthfully, the best way to find better pricing on car insurance rates in Fort Worth is to start doing a yearly price comparison from providers in Texas. This can be done by following these steps.

  1. Take a few minutes and learn about auto insurance and the steps you can take to prevent expensive coverage. Many rating factors that result in higher prices such as speeding tickets, accidents and bad credit can be remedied by making minor driving habit or lifestyle changes.
  2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes for many different companies.
  3. Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you can save money, ensure there is no coverage lapse between policies.

A good piece of advice is to make sure you're comparing similar limits and deductibles on every quote request and to quote with as many companies as feasibly possible. This ensures a fair price comparison and a complete price analysis.

If you currently have insurance, you will be able to get lower rates using this strategy. Finding the best insurance policy in Fort Worth is not that difficult. But Texas car owners benefit from understanding the way insurance companies determine premium rates and take advantage of how the system works.

Most of the larger companies provide prices from their websites. The process is fairly simple as you simply type in your coverage information as requested by the quote form. Once you submit the form, their rating system gets credit information and your driving record and generates a price determined by many factors.

Getting online price quotes for Dodge Charger insurance in Fort Worth simplifies rate comparisons, and it's very important to compare as many rates as possible if you are searching for a lower rate.

If you want to compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it's recommended that you enter the limits and deductibles exactly as shown on your declarations page. This makes sure you are getting comparison quotes using the same coverage and limits.

The companies shown below have been selected to offer free rate quotes in Texas. If several companies are displayed, we suggest you compare several of them to get a more complete price comparison.

Insurance rate breakdown

The data table shown below covers a range of rate quotes for Dodge Charger models. Having knowledge of how car insurance prices are established can assist in making informed decisions when comparing rates.

Dodge Charger Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $292 $462 $486 $28 $146 $1,414 $118
Charger $292 $462 $486 $28 $146 $1,414 $118
Charger AWD $292 $462 $486 $28 $146 $1,414 $118
Charger 3.5 AWD $292 $462 $486 $28 $146 $1,414 $118
Charger SXT $292 $462 $486 $28 $146 $1,414 $118
Charger SXT AWD $292 $462 $486 $28 $146 $1,414 $118
Charger Rallye $292 $462 $486 $28 $146 $1,414 $118
Charger R/T $292 $532 $486 $28 $146 $1,484 $124
Charger Rallye AWD $292 $532 $486 $28 $146 $1,484 $124
Charger R/T AWD $322 $532 $486 $28 $146 $1,514 $126
Charger SRT-8 $322 $532 $486 $28 $146 $1,514 $126
Get Your Own Custom Quote Go

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Table data does not factor in vehicle garaging location which can revise premiums greatly.

Analysis of deductible levels

One of the hardest decisions when shopping for car insurance is what deductibles to buy. The following tables can help you understand the premium difference when you select higher and lower insurance deductibles. The first rate table uses a $250 physical damage deductible and the second set of prices uses a $1,000 deductible.

Dodge Charger insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $370 $584 $476 $28 $142 $1,625 $135
Charger $370 $584 $476 $28 $142 $1,625 $135
Charger AWD $370 $584 $476 $28 $142 $1,625 $135
Charger 3.5 AWD $370 $584 $476 $28 $142 $1,625 $135
Charger SXT $370 $584 $476 $28 $142 $1,625 $135
Charger SXT AWD $370 $584 $476 $28 $142 $1,625 $135
Charger Rallye $370 $584 $476 $28 $142 $1,625 $135
Charger R/T $370 $672 $476 $28 $142 $1,713 $143
Charger Rallye AWD $370 $672 $476 $28 $142 $1,713 $143
Charger R/T AWD $408 $672 $476 $28 $142 $1,751 $146
Charger SRT-8 $408 $672 $476 $28 $142 $1,751 $146
Get Your Own Custom Quote Go
Dodge Charger insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $228 $368 $476 $28 $142 $1,242 $104
Charger $228 $368 $476 $28 $142 $1,242 $104
Charger AWD $228 $368 $476 $28 $142 $1,242 $104
Charger 3.5 AWD $228 $368 $476 $28 $142 $1,242 $104
Charger SXT $228 $368 $476 $28 $142 $1,242 $104
Charger SXT AWD $228 $368 $476 $28 $142 $1,242 $104
Charger Rallye $228 $368 $476 $28 $142 $1,242 $104
Charger R/T $228 $424 $476 $28 $142 $1,298 $108
Charger Rallye AWD $228 $424 $476 $28 $142 $1,298 $108
Charger R/T AWD $252 $424 $476 $28 $142 $1,322 $110
Charger SRT-8 $252 $424 $476 $28 $142 $1,322 $110
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Information does not factor in Fort Worth location which can alter price quotes noticeably.

Based on this data, using a $250 deductible costs approximately $32 more each month or $384 a year than selecting the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 23 months between claim filings, you would save money by selecting a higher deductible.

The information below demonstrates how choosing different deductibles and can affect Dodge Charger insurance rates for different age categories. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Rate difference between full and liability-only coverage

The chart below illustrates the comparison of Dodge Charger insurance prices when comparing full coverage to liability only. The price estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no other discounts are factored in.

When to stop buying physical damage coverage

There is no specific rule of when to phase out physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let's pretend your Dodge Charger replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If you are currently paying more than $300 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Car insurance does more than just protect your car

Despite the high cost of buying insurance for a Dodge Charger in Fort Worth, maintaining insurance serves several important purposes.

  • Almost all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability coverage 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.
  • If you bought your vehicle with a loan, most banks will force you to buy insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank will be required to insure your Dodge at a much higher rate and require you to pay the higher price.
  • Insurance safeguards both your Dodge Charger and your personal assets. It will also reimburse you for many types of medical costs for both you and anyone you injure as the result of an accident. Liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance more than offset the price you pay, especially for larger claims. Unknowingly, the average driver is overpaying more than $700 annually so it's very important to do a rate comparison at least once a year to save money.

Eight Things That Determine Your Insurance Premiums

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that help calculate the rates you pay for car insurance. If you have a feel for what determines premiums, this helps enable you to make changes that may reward you with cheaper rates.

Listed below are some of the most common factors companies use to determine your rate level.

Performance influences rates - The performance of the car you are buying insurance for makes a significant difference in determining your rates. The lowest performance passenger cars normally have pretty low rates, but the cost you end up paying is determined by many additional factors.

The following chart assumes a single female driver age 40, full coverage with $100 deductibles, and no discounts or violations. It illustrates Dodge Charger insurance premiums compared to other vehicles that have different risk factors.

Put fewer miles on your vehicle - Driving a lot of miles every year the more you'll pay to insure your vehicle. Almost all companies charge rates determined by how the vehicle is used. Vehicles that have low annual miles can be on a lower rate level than those that get driven frequently. An improperly rated Charger can result in significantly higher rates. It's a good idea to make sure your declarations sheet reflects the right rating data.

Driving citations can be expensive - Your driving citation history has a huge affect on how much you pay. Attentive drivers pay less for auto insurance than their less careful counterparts. Having just one citation can bump up the cost by as much as twenty percent. Drivers who have received serious citations like DUI, reckless driving or excessive speeding might be required by their state to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive.

The chart below demonstrates how traffic citations and at-fault accidents can increase Dodge Charger auto insurance costs for different categories of driver ages. The premiums assume a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Your employer can affect premiums - Jobs such as military personnel, airline pilots, and dentists generally pay higher average rates because of stressful work requirements and incredibly demanding work hours. On the other hand, professions such as scientists, historians and retirees pay lower than average rates.

Vehicle theft costs us all - Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all help stop auto theft.

See if your company offers a multi-policy discount - Some insurers apply better rates to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it's still a good idea to comparison shop to verify if the discount is saving money.

City traffic equals higher rates - Living in smaller towns and rural areas of the country has it's advantages when talking about car insurance. Urban drivers tend to have congested traffic and more time behind the wheel. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.

Battle of the sexes - Statistics have proven women are more cautious behind the wheel. This data doesn't prove that women are BETTER drivers than men. Both genders have auto accidents in similar percentages, but the men tend to have higher claims. In addition to higher claims, males also get cited for more serious violations such as DWI and reckless driving.

The illustration below illustrates the comparison of Dodge Charger insurance costs for male and female drivers. The prices are based on no claims, a clean driving record, comp and collision included, $250 deductibles, drivers are single, and no other discounts are factored in.

Insurance loss statistics a Dodge Charger - Companies use past insurance losses to help calculate premium prices. Vehicles that tend to have a trend towards higher claim severity or frequency will have a higher premium rate.

The data below shows the loss history for Dodge Charger vehicles. For each policy coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is considered to be 100. Values that are below 100 represent a good loss history, while values that are 100 or greater indicate a higher chance of having a claim or an increased chance of a larger loss.

Dodge Charger Insurance Loss Statistics
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

Statistics from IIHS.org for 2013-2015 Model Years

Lower-cost Fort Worth insurance rates with discounts

Insurance is not an enjoyable expense, but you might find some hidden discounts to help bring down the price. Many of these discounts will be applied automatically when you quote, but some must be requested specifically before they will apply.Save money with discounts

  • Discounts for Safe Drivers - Safe drivers can save as much as half off their rates than drivers with accident claims.
  • Early Signing - A few companies allow discounts for buying a new policy before your current coverage expires. You may see this discount when you get Fort Worth auto insurance quotes online.
  • E-sign - Some of the larger companies may give you up to $50 just for signing your application on the web.
  • Low Mileage Discounts - Fewer annual miles on your Dodge could be rewarded with slightly better prices than normal.
  • Good Students Pay Less - Maintaining excellent grades may save you up to 25%. The good student discount can last until age 25.
  • Auto/Home Discount - When you combine your homeowners and auto insurance and insure them with the same company you could earn a discount of at least 10% off all policies.
  • Fort Worth Homeowners Discount - Owning your own home or condo can help you save on insurance because maintaining a house is proof that your finances are in order.
  • Multi-Vehicle Discounts - Purchasing coverage when you have multiple cars on a single policy could earn a price break for each car.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. If you do the math and it seems like it's possible to get free car insurance, nobody gets a free ride.

The information below visualizes the comparison of Dodge Charger car insurance rates with and without discounts. The premiums assume a female driver, no violations or accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-policy, multi-car, and marriage discounts applied.

A few of the larger companies and a selection of discounts are detailed below.

  • Farmers Insurance offers discounts including bundle discounts, business and professional, mature driver, multi-car, alternative fuel, switch companies, and youthful driver.
  • State Farm includes discounts for good student, driver's education, multiple autos, good driver, Steer Clear safe driver discount, defensive driving training, and anti-theft.
  • Liberty Mutual offers discounts for safety features, good student, multi-car, teen driver discount, and hybrid vehicle.
  • MetLife policyholders can earn discounts including good student, defensive driver, accident-free, claim-free, multi-policy, good driver
  • Progressive has discounts for good student, online quote discount, multi-vehicle, online signing, and continuous coverage.

Double check with each company which discounts you qualify for. Savings may not be available in Fort Worth. To see a list of insurers who offer free Dodge Charger insurance quotes in Fort Worth, click this link.

Local Fort Worth car insurance agents and insurance

Many drivers still prefer to sit down with an agent and that is a smart decision A good thing about price shopping on the web is the fact that drivers can get lower premium rates but still work with a licensed agent. And supporting local agents is important particularly in Fort Worth.

After completing this quick form, your insurance coverage information is immediately sent to agents in your area that provide free Fort Worth auto insurance quotes and help you find cheaper coverage. There is no need to find an agent since rate quotes are delivered to the email address you provide. You can find lower rates without requiring a lot of work. If you want to get a comparison quote from a specific insurance company, don't hesitate to search and find their rate quote page and submit a quote form there.

Choose the right auto insurance agent

If you want local Fort Worth agents, it's important to understand the different types of agencies and how they are distinctly different. Agents can be classified as either exclusive agents or independent agents.

Independent Insurance Agents (or Brokers)

Agents that elect to be independent are appointed with more than one company so they can quote policies through many companies and find the cheapest rate. If they find a lower price, an independent agent can move your coverage and the insured can keep the same agent.

If you are trying to find cheaper rates, it's recommended you get quotes from at least one independent agent to have the best price comparison. They often place coverage with smaller regional carriers that may provide cheaper insurance rates.

Shown below is a small list of independent agents in Fort Worth who can help you get cheap rate quotes.

More insurance agents

Exclusive Insurance Agencies

Exclusive agencies generally can only insure with one company and examples are State Farm or Allstate. These agents are not able to give you multiple price quotes so they have to upsell other benefits. They receive a lot of sales training on their products and sales techniques and that can be a competitive advantage. Some people will only use the same exclusive agent mainly due to the prominent brand name and the convenience of having all coverages with one company.

The following is a short list of exclusive insurance agents in Fort Worth that are able to give comparison quotes.

More insurance agents

Deciding on a insurance agent is decision based upon more than just the bottom line cost. Some important questions to ask are:

  • Does the agency provide any after hours assistance?
  • Can they help ensure a fair claim settlement?
  • Is the agent and/or agency licensed to do business in Texas?
  • Are they actively involved in the community?
  • Is the quote a firm price?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

If you receive good feedback to these questions as well as a price you're happy with, you may have found an insurance agent that is professional and can properly service your insurance policy. But keep in mind you are able to cancel your coverage for any reason so don't feel that you are permanently stuck with your new company for any length of time.

Affordable insurance rates are possible

Affordable Dodge Charger insurance in Fort Worth can be purchased on the web as well as from insurance agents, so get free Fort Worth auto insurance quotes from both of them so you have a total pricing picture. Some companies may not offer rates over the internet and many times these regional insurance providers work with independent insurance agencies.

You just learned many tips how you can lower your Dodge Charger insurance rates in Fort Worth. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even find the biggest savings come from some of the lesser-known companies.

When you buy Fort Worth auto insurance online, don't be tempted to buy less coverage just to save a little money. In too many instances, an accident victim reduced full coverage only to regret at claim time they didn't have enough coverage. Your objective should be to buy enough coverage for the lowest cost while not skimping on critical coverages.

Much more information about insurance in Texas is available below: