How to Save on Charlotte Dodge Charger Insurance

Insurance for Dodge ChargerIf you want to find the absolute lowest rates, then the best way to find more affordable car insurance rates is to compare quotes once a year from providers who provide auto insurance in Charlotte. Drivers can shop around by completing these steps.

One key aspect when comparing rates is to use the same coverage limits and deductibles on each price quote and and to get rate quotes from as many different companies as possible. This provides an accurate price comparison and a complete selection of prices.

It’s an obvious assumption that car insurance companies don’t want you to look for a cheaper policy. Consumers who rate shop once a year will presumably move their business because there is a significant possibility of finding lower rate quotes. A study showed that people who shopped around saved approximately $70 a month compared to people who never shopped around.

If finding budget-friendly insurance is the reason you’re here, then having some insight into the best way to quote and compare insurance can help you be more efficient.

If you have insurance now or just want to reduce your rates, you can use these tips to get lower rates while maintaining coverages. Locating the best insurance company for you in Charlotte is much easier if you know where to start. Shoppers only have to learn the most time-saving way to shop their coverage around on the web.

Auto insurance discounts help lower rates for Dodge Charger insurance in Charlotte

Car insurance can cost a lot, but there could be significant discounts to help bring down the price. A few discounts will be applied when you quote, but some must be specially asked for before you will receive the discount.Auto insurance discounts

One last thing about discounts, most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, nobody gets a free ride.

The chart below shows the difference between Dodge Charger annual premium costs with and without discounts applied to the rates. The premium estimates are based on a female driver, no violations or claims, North Carolina state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, marriage, and safe-driver discounts applied.

Companies that may offer policyholders some of the above discounts are:

Before you buy a policy, ask each company or agent which discounts you may be entitled to. Some discounts might not be available to policyholders in every state. To view providers who offer auto insurance discounts in North Carolina, click this link.

The fastest way that we advise to compare car insurance rates for Dodge Charger insurance in Charlotte is to know the trick most of the bigger providers participate in online systems to compare their rates. To start a quote, the only thing you need to do is provide information like your occupation, if you have a valid license, types of safety features, and your education level. That rating information gets transmitted to many highly-rated insurers and you should receive rate quotes immediately.

To find lower affordable Dodge Charger insurance rates now, click here and enter the information requested.

The companies in the list below offer free quotes in North Carolina. To locate the best car insurance in North Carolina, we recommend you visit as many as you can in order to get a fair rate comparison.

Rate information and statistics

The coverage table displayed next covers a range of prices for Dodge Charger models. Knowing how insurance policy rates are calculated can help guide drivers when making smart choices when selecting a coverage provider.


Dodge Charger Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $276 $382 $408 $24 $122 $1,212 $101
Charger $276 $382 $408 $24 $122 $1,212 $101
Charger AWD $276 $382 $408 $24 $122 $1,212 $101
Charger 3.5 AWD $276 $382 $408 $24 $122 $1,212 $101
Charger SXT $276 $382 $408 $24 $122 $1,212 $101
Charger SXT AWD $276 $382 $408 $24 $122 $1,212 $101
Charger Rallye $276 $382 $408 $24 $122 $1,212 $101
Charger R/T $276 $440 $408 $24 $122 $1,270 $106
Charger Rallye AWD $276 $440 $408 $24 $122 $1,270 $106
Charger R/T AWD $304 $440 $408 $24 $122 $1,298 $108
Charger SRT-8 $304 $440 $408 $24 $122 $1,298 $108
Get Your Own Custom Quote Go

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can alter insurance rates greatly.

Physical damage deductibles

One of the most common insurance questions is which deductible level should you buy. The rates below sum up the rate differences between low and high comp and collision deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second rate table uses a $1,000 deductible.


Dodge Charger insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $270 $456 $312 $18 $94 $1,175 $98
Charger $270 $456 $312 $18 $94 $1,175 $98
Charger AWD $270 $456 $312 $18 $94 $1,175 $98
Charger 3.5 AWD $270 $456 $312 $18 $94 $1,175 $98
Charger SXT $270 $456 $312 $18 $94 $1,175 $98
Charger SXT AWD $270 $456 $312 $18 $94 $1,175 $98
Charger Rallye $270 $456 $312 $18 $94 $1,175 $98
Charger R/T $270 $524 $312 $18 $94 $1,243 $104
Charger Rallye AWD $270 $524 $312 $18 $94 $1,243 $104
Charger R/T AWD $298 $524 $312 $18 $94 $1,271 $106
Charger SRT-8 $298 $524 $312 $18 $94 $1,271 $106
Get Your Own Custom Quote Go

Dodge Charger insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $150 $240 $312 $18 $94 $814 $68
Charger $150 $240 $312 $18 $94 $814 $68
Charger AWD $150 $240 $312 $18 $94 $814 $68
Charger 3.5 AWD $150 $240 $312 $18 $94 $814 $68
Charger SXT $150 $240 $312 $18 $94 $814 $68
Charger SXT AWD $150 $240 $312 $18 $94 $814 $68
Charger Rallye $150 $240 $312 $18 $94 $814 $68
Charger R/T $150 $276 $312 $18 $94 $850 $71
Charger Rallye AWD $150 $276 $312 $18 $94 $850 $71
Charger R/T AWD $164 $276 $312 $18 $94 $864 $72
Charger SRT-8 $164 $276 $312 $18 $94 $864 $72
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can affect premium rates substantially.

Using the data above, we can ascertain that using a $100 deductible costs roughly $32 more each month or $384 every year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 28 months between claims, you would more than likely save some money if you opt for a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $101
Average monthly premium for $1,000 deductibles (subtract): – $69
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

An important thing to remember is that increasing deductibles to lower your rates means you pay more out-of-pocket when you have a claim. You need some extra funds in the event you have to pay the higher deductible.

Dodge Charger insurance premiums by gender in Charlotte

The example below shows the comparison of Dodge Charger insurance premiums for male and female drivers. The costs are based on no accidents or driving violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no policy discounts are applied.

Full coverage versus liability-only in Charlotte

The example below illustrates the difference between Dodge Charger premium costs with and without full coverage. The data is based on no claims, a clean driving record, $500 deductibles, single status, and no additional discounts are factored in.

When to stop buying physical damage coverage

There is no specific rule for phasing out physical damage insurance, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s assume your Dodge Charger claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after paying the physical damage deductible. If you are currently paying more than $500 a year for physical damage coverage, then it may be the right time to buy liability only.

There are a few situations where dropping full coverage is not a good idea. If you haven’t paid off your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Insurance agencies are professional risk managers

Some people just prefer to go talk to an agent and that can be a smart move Licensed agents can make sure you are properly covered and help submit paperwork. One of the great benefits of getting online price quotes is you may find the lowest rates and still buy from a local agent. Buying insurance from neighborhood agents is important especially in Charlotte.

To help locate an agent, after submitting this short form, your insurance data is sent to local insurance agents in Charlotte who will give you bids and help you find cheaper coverage. There is no reason to search for an agent because prices are sent to the email address you provide. If you have a need to get a rate quote for a specific company, you would need to jump over to their website and complete a quote there.

Types of auto insurance agents in Charlotte

If you would like to find an insurance agent, you need to know there are two types of agencies and how they function. Insurance agencies are categorized either independent agents or exclusive agents. Both can write insurance policies, but it is a good idea to know how they are different because it can influence your agent selection.

Independent Insurance Agents

Independent insurance agents often have affiliation with several companies so they can write business with lots of companies and get the cheapest rates. If they find a lower price, your policy is moved internally which makes it simple for you.

When searching for an agent, you definitely need to get quotes from several independent insurance agents for maximum quote selection.

Below is a list of independent insurance agencies in Charlotte that can give you price quotes.


9620 Monroe RdCharlotte, NC 28270(704) 644-3058View Map


2210 Coronation Blvd Suite ACharlotte, NC 28227(704) 321-2900View Map


6101 Carnegie Blvd #415Charlotte, NC 28209(704) 364-9227View Map

More insurance agents

Exclusive Agencies

Exclusive agencies can only quote rates from one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot place coverage with different providers so it’s a take it or leave it situation. Exclusive agents are well schooled on their company’s products and that can be a competitive advantage.

Listed below are exclusive insurance agents in Charlotte willing to provide price quotes.


6215 Brookshire BlvdCharlotte, NC 28216(704) 392-4166View Map


15105 John J Delaney DrCharlotte, NC 28277(704) 594-3000View Map


1850 E 3rd St #360Charlotte, NC 28204(704) 376-4088View Map

More insurance agents

Picking a insurance agency shouldn’t rely on just the premium amount. Below are some questions you should ask.

Quote more and you will save more

Lower-priced car insurance in Charlotte can be found from both online companies as well as from independent agents in Charlotte, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide internet price quotes and usually these smaller companies only sell through local independent agents.

We just covered many ways to reduce Dodge Charger insurance prices online in Charlotte. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the best prices are with some of the lesser-known companies. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice physical damage coverage only to find out that it was a big error on their part. Your aim should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

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