Have you fallen victim to an underperforming, overpriced car insurance policy? It’s a common feeling and you’re not alone.
It’s shocking but a large majority of drivers renewed their policy with the same company for over three years, and nearly the majority have never even shopped around for cheap coverage. With the average car insurance premium being $1,720, Georgia drivers could save up to $960 every year by just comparing quotes, but they just feel it’s too hard to shop their coverage around. Multiple insurers compete for your insurance dollar, so it can be very hard to choose a insurance company to find the absolute lowest rate possible on Dodge Charger insurance in Atlanta.
Smart consumers take time to price shop coverage every six months due to the fact that insurance prices are usually higher with each renewal. Even if you think you had the best deal on Dodge Charger insurance in Atlanta six months ago you will most likely find a better premium rate today. Forget all the misinformation about car insurance because we’re going to show you the tricks you need to know to reduce your cost while increasing coverage.
The providers in the list below are our best choices to provide price comparisons in Atlanta, GA. If more than one company is shown, we recommend you visit several of them in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Charger 3.5 AWD||$370||$592||$502||$30||$150||$1,644||$137|
|Charger SXT AWD||$232||$436||$596||$36||$178||$1,478||$123|
|Charger Rallye AWD||$184||$372||$472||$28||$142||$1,198||$100|
|Charger R/T AWD||$264||$466||$462||$28||$138||$1,358||$113|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can revise premiums significantly.
Difference between liability only and full coverage rates
The diagram below visualizes the comparison of Dodge Charger car insurance rates with liability coverage only compared to full coverage. The data is based on no tickets, no at-fault accidents, $500 deductibles, married male driver, and no discounts are taken into consideration.
When to stop buying physical damage coverage
There is no definitive rule of when to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s pretend your Dodge Charger book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after you pay the deductible. If premium cost is more than $500 annually for full coverage, then you may need to consider dropping full coverage.
There are some circumstances where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.
Physical damage deductibles: Should you raise them?
The example below highlights how deductible choice and can influence Dodge Charger premium costs for different age groups. The costs are based on a single female driver, comp and collision included, and no additional discounts are factored in.
Car insurance rates are higher with tickets and accidents
The chart below illustrates how speeding tickets and at-fault collisions can influence Dodge Charger yearly insurance costs for each age group. The price estimates are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.
These discounts can lower your insurance quotes
Car insurance companies don’t always publicize every available discount in a way that’s easy to find, so we break down both the well known and the harder-to-find credits available to bring down your rates. If you are not receiving all the discounts you deserve, you’re paying more than you need to.
- Renewal Discounts – A few insurance companies allow discounts for buying a policy early. This discount can save up to 10%.
- Life Insurance Discount – Insurance companies who offer life insurance give better premium rates if you take out a life insurance policy as well.
- Drive Less and Save – Fewer annual miles on your Dodge could be rewarded with substantially lower premium rates.
- Atlanta Homeowners Discount – Owning a house in Atlanta can earn you a little savings since owning and maintaining a home demonstrates responsibility.
- Discount for Multiple Policies – If you have multiple policies and insure them both with the same insurance company they may give you a discount of at least 10% off all policies.
- Active Service Discounts – Being deployed in the military can result in better rates.
- First Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies permit an accident without raising rates so long as you are claim-free prior to the accident.
- Good Grades Discount – Getting good grades may save as much as 25% on a Atlanta car insurance quote. This discount can apply up until you turn 25.
A little note about advertised discounts, most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, you’re out of luck. But any discount should help lower the cost of coverage.
Some of the insurance companies that possibly offer many of the previously listed discounts possibly include:
When comparing rates, check with every insurance company to give you their best rates. Depending on the company, some discounts may not apply to policies everywhere. To locate providers with discount rates in Georgia, click this link.
Informed Consumers Save Every Year
A large part of saving on insurance is knowing the factors that aid in calculating your insurance rates. If you know what impacts premium levels, this helps enable you to make changes that could result in much lower annual insurance costs.
High claims frequency drives up insurance rates – Companies in Georgia award cheaper rates to insureds who only file infrequent claims. If you file claims often, you can expect higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of the large, substantial claims.
Raise your deductibles for better prices – Deductibles for physical damage define the amount you are willing to pay before your insurance pays a claim. Physical damage protection, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims would be colliding with a stationary object, collision with a deer, and damage from wind. The more of the claim you have to pay, the lower your rates will be.
Use credit responsibly and save – Having a bad credit history can be an important factor in determining what you pay. Therefore, if your credit is low, you could potentially save money when insuring your Dodge Charger if you improve your credit rating. Insureds with high credit scores tend to be more responsible and file fewer claims than drivers with poor credit.
Premiums can change based on your address – Choosing to live in smaller towns and rural areas of the country can be a good thing when buying insurance. Lower population corresponds to lower accident rates as well as less vandalism and auto theft. Urban drivers have traffic congestion and longer commutes to work. More time behind the wheel can result in more accidents.
Dodge Charger statistical loss data – Insurers include the past claim history for a vehicle as a way to help calculate a profitable premium rate. Models that are shown to have increased losses will be charged more to insure. The table below outlines the collected loss data for Dodge Charger vehicles.
For each coverage category, the claim probability for all vehicles compiled together is a value of 100. Numbers shown that are under 100 indicate better than average losses, while values over 100 indicate frequent claims or an increased chance of a larger loss.
Dodge Charger Insurance Loss Statistics
|Vehicle 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 from IIHS.org for 2013-2015 Model Years
Compare rates but buy from a local Atlanta insurance agent
Some people would prefer to buy from a local agent and that is OK! Agents can point out coverage gaps and help file insurance claims. One of the best bonuses of comparing insurance online is the fact that you can find better rates but still work with a licensed agent.
To find an agent, once you fill out this form (opens in new window), the coverage information is emailed to insurance agents in Atlanta that give free quotes for your coverage. You don’t have to contact any agents because prices are sent to your email. In the event you want to get a comparison quote for a specific company, you would need to search and find their rate quote page and fill out their quote form.
Finding the right insurance company requires more thought than just a cheap quote. Any agent in Atlanta should have no problem answering these questions:
- What company holds the largest book of business for them?
- What is their Better Business Bureau rating?
- Are they properly licensed to sell insurance in Georgia?
- Will the agent help in case of a claim?
- What are their preferred companies if they are an independent agency?
- Can you get a list of referrals?
- Is insurance their full-time profession?
If you are wanting to find a reliable insurance agent, it can be helpful to understand the types of insurance agents that differ in how they can insure your vehicles. Insurance agencies are classified as either exclusive or independent (non-exclusive). Both can write policy coverage, but it is important to understand how they differ since it could factor into the kind of agent you use.
Exclusive insurance agents have only one company to place business with and some examples include State Farm, Allstate, or Farmers Insurance. These agents are not able to provide rate quotes from other companies so you might not find the best rates. Exclusive agents are well trained on the products they sell and that allows them to sell at a higher price point.
Below is a short list of exclusive insurance agencies in Atlanta who may provide you with rate quotes.
Independent Agencies or Brokers
Agents that elect to be independent can sell policies from many different companies so they can insure your vehicles with many different companies and find you the best rates. If they quote lower rates, your agent can just switch to a different company which requires no work on your part.
When searching for an agent, it’s recommended you include rate quotes from at least one independent agent for maximum quote selection.
Below is a short list of independent agencies in Atlanta willing to provide comparison quotes.
Once you have acceptable answers to any questions you may have as well as an affordable premium quote, it’s a good possibility that you have found an insurance agency that can insure your vehicles. It’s important to know that you are entitled to cancel coverage at any time so never assume that you’re stuck with any particular company indefinitely.
Car insurance is unique, just like you
Always remember that when buying the right insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and your car insurance should be unique as well.
For example, these questions can help discover if your situation might need an agent’s assistance.
- Does coverage follow the driver or the vehicle?
- Do I have ACV or replacement cost coverage?
- Do I have coverage if my license is suspended?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- How much coverage applies to personal belongings?
- How much underlying liability do I need for an umbrella policy?
- Do I have newly-aquired coverage?
- What is the ISO rating for a Dodge Charger?
- I have good health insurance, so how much medical payments coverage do I need?
- How can I get high-risk coverage after a DUI?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.
Insurance ads are enticing
Consumers in Georgia constantly see and hear ads that promise big savings from companies such as GEICO, State Farm and Progressive. All the ads have a common claim that drivers can save some big amount if you move to their company.
It sounds good, but how can they all say the same thing? It’s all in how they say it.
All companies have specific criteria for the driver that will be a good risk. For instance, a profitable insured could possibly be between the ages of 30 and 50, has a clean driving record, and drives less than 5,000 miles a year. A customer getting a price quote who matches those parameters will get a cheap rate quote in Atlanta and have a good chance to save when they switch companies.
Insureds who don’t meet this ideal profile will have to pay a higher premium and ends up with the driver buying from a lower-cost company. The ads state “people that switch” not “all people who quote” save money. That’s why companies can truthfully make those claims. This illustrates why you really should get price quotes at each policy renewal. Because without a comparison, you cannot know which company will have the best Dodge Charger insurance in Atlanta.
Be persistent and save
More affordable insurance in Atlanta can be purchased online as well as from independent agents in Atlanta, so you need to quote Atlanta car insurance with both in order to have the best price selection to choose from. Some companies don’t offer the ability to get quotes online and many times these regional insurance providers prefer to sell through local independent agencies.
As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at the best cost while not skimping on critical coverages.
For more information, take a look at these articles:
- Collision Insurance Coverage (Nationwide)
- Who Has Affordable Atlanta Auto Insurance Rates for a Toyota Tacoma? (FAQ)
- Who Has Affordable Atlanta Auto Insurance Quotes for a Honda Accord? (FAQ)
- What Car Insurance is Cheapest for State Employees in Atlanta? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Uber Drivers in Atlanta? (FAQ)
- What Insurance is Cheapest for a Nissan Altima in Atlanta? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Teachers in Atlanta? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Rental Reimbursement Coverage (Allstate)