Best Ways to Save on San Antonio Dodge Charger Insurance

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Discount Dodge Charger insuranceWould you prefer to buy lower-priced Dodge Charger insurance in San Antonio? Searching for cheaper insurance for your Dodge Charger in Texas can turn out to be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to shop for auto insurance so we're going to tell you the proper way to quote coverages for a Dodge and find the cheapest rates either online or from San Antonio insurance agents.

Getting a cheap price on insurance can be relatively painless. You just have to take the time comparing price quotes to find out which insurance company has inexpensive San Antonio car insurance quotes.

The car insurance companies shown below can provide comparison quotes in San Antonio, TX. If multiple companies are listed, we suggest you visit as many as you can in order to find the most competitive rates.

Detailed insurance information

The coverage table shown below covers estimates of prices for Dodge Charger models. Knowing how insurance policy premiums are established can help customers make decisions when shopping your coverage around.

Dodge Charger Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $288 $496 $458 $28 $136 $1,406 $117
Charger $288 $496 $458 $28 $136 $1,406 $117
Charger AWD $288 $496 $458 $28 $136 $1,406 $117
Charger 3.5 AWD $288 $496 $458 $28 $136 $1,406 $117
Charger SXT $288 $496 $458 $28 $136 $1,406 $117
Charger SXT AWD $288 $496 $458 $28 $136 $1,406 $117
Charger Rallye $288 $496 $458 $28 $136 $1,406 $117
Charger R/T $288 $572 $458 $28 $136 $1,482 $124
Charger Rallye AWD $288 $572 $458 $28 $136 $1,482 $124
Charger R/T AWD $318 $572 $458 $28 $136 $1,512 $126
Charger SRT-8 $318 $572 $458 $28 $136 $1,512 $126
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in specific location which can modify price quotes greatly.

An analysis of deductible level

A question often asked by San Antonio drivers is how high should the physical damage coverage deductibles be. The rates below summarize the rate fluctuation when you buy lower versus higher comp and collision deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Dodge Charger insurance prices 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
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Dodge Charger insurance prices 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
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in vehicle garaging location which can decrease or increase prices significantly.

Based on this data, using a $250 deductible costs approximately $32 more each month or $384 annually than requesting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 23 months between claims, you would more than likely save some money by selecting a higher deductible.

Full coverage versus liability-only in San Antonio

The diagram below visualizes the comparison of Dodge Charger insurance rates when comparing full coverage to state minimum liability only. The data is based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

When to stop paying for full coverage

There isn't a steadfast formula of when to phase out full coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let's assume your Dodge Charger settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after the policy deductible has been paid. If premiums are more than $400 a year to have full coverage, then it's probably a good time to buy liability coverage only.

There are a few situations where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Insurance is not optional but you don't have to overpay

Even though it can be expensive, insuring your vehicle serves an important purpose.

  • The majority of states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability insurance if you drive a vehicle. 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 have a lien on your Dodge Charger, most banks will stipulate that you have comprehensive coverage to guarantee payment of the loan. If the policy lapses, the lender may have to buy a policy to insure your Dodge at a much higher rate and force you to reimburse them much more than you were paying before.
  • Insurance protects not only your Dodge but also your assets. Insurance will also pay for medical bills for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of insuring your Charger are definitely more than the cost, particularly for liability claims. As of last year, the average driver in Texas overpays more than $865 each year so it's very important to do a rate comparison once a year at a minimum to ensure rates are competitive.

Why Informed Drivers Pay Less for Dodge Charger Insurance

The best way to find cheaper car insurance is to take a look at some of the factors that help determine your car insurance rates. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that may reward you with lower car insurance prices. Many factors are used in the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, but other criteria are more transparent like your continuous coverage or how financially stable you are.

The factors shown below are some of the most common factors utilized by car insurance companies to help set your rate level.

Rates increase with driving citations - Having a clean driving record has a lot to do with how much you pay for insurance. Attentive drivers get better prices than their less careful counterparts. Just one speeding ticket or other violation can bump up the cost twenty percent or more. Drivers with careless violations such as reckless driving or DUI may face state-mandated requirements to maintain a SR-22 with the DMV in their state in order to legally drive a vehicle.

The illustration below shows how violations and fender-benders drive up Dodge Charger yearly insurance costs for different age groups. The premiums assume a single male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Big cities mean more claims - Having an address in smaller towns and rural areas of the country can be a good thing when trying to find low car insurance rates. Urban drivers regularly have traffic congestion and higher rates of accident claims. Fewer drivers and short commutes translates into fewer accident claims in addition to fewer liability claims.

Raise physical damage deductibles and save - Protection for physical damage, also called 'full coverage', is used to repair damage to your vehicle. A few examples of covered claims would be a dented fender, hail damage, and rolling your vehicle. Deductibles for physical damage define the amount you are willing to pay out-of-pocket if the claim is covered. The more damage repair cost you have to pay, the lower your rates will be.

Stay claim-free and reduce car insurance rates - Auto insurance companies in Texas give better rates to people who only file infrequent claims. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for more catastrophic claims.

Battle of the sexes - The statistics show that women are safer drivers than men. This data doesn't prove that males are worse at driving than females. Women and men are in at-fault accidents in similar numbers, but guys tend to have more serious accidents. Not only that, but men also receive more major tickets like DUI and reckless driving. Youthful male drivers have the highest risk to insure and therefore are the most expensive to insure.

The information below shows the comparison of Dodge Charger insurance costs for male and female drivers. The rates are based on no violations or claims, comp and collision included, $250 deductibles, single status, and no discounts are taken into consideration.

Bundling policies can get discounts - Most car insurance companies give discounts to clients that have more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to shop around to help guarantee you have the best rates. It's possible to still save even more by insuring with multiple companies.

Vehicle options can affect car insurance rates - Buying a car with advanced anti-theft systems can help lower your premiums. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.

Claims statistics for a Dodge Charger - Companies analyze claim trends for every vehicle to help calculate a profitable premium rate. Models that statistically have a trend towards higher claims will have higher premium rates.

The table below demonstrates the compiled insurance loss statistics for Dodge Charger vehicles. For each type of coverage, the claim probability for all vehicles as a whole is considered to be 100. Percentages below 100 mean the vehicle has better than average losses, while values that are above 100 indicate frequent claims or an increased chance of a larger loss.

Dodge Charger Insurance Claim Statistics
Specific Dodge 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

In the end, you can save money

Throughout this article, we presented some good ideas how you can find cheap Dodge Charger insurance in San Antonio. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with an unexpected company.

People who switch companies do it for many reasons like extreme rates for teen drivers, questionable increases in premium, policy non-renewal and high prices. Regardless of your reason, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

Cost effective Dodge Charger insurance can be found online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get quotes online and these small insurance companies only sell through independent agents.

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