Compare Dodge Charger Insurance Quotes in Tampa

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Insurance rates Dodge Charger in TampaDo you need a fast way to compare cheaper Dodge Charger insurance in Tampa? Perplexed by the number of insurance companies available to you? Florida people have so many options that it is a real hassle to compare rates on Dodge Charger insurance. If you live there, you know that Tampa is a great place to live, but high insurance prices can make it difficult for lots of drivers to afford.

Steps to finding lower priced Dodge Charger insurance in Tampa

If your goal is the lowest price, then the best way to get discount car insurance rates is to start comparing prices regularly from different companies in Tampa. You can shop around by following these guidelines.

Step 1: Take a little time to learn about car insurance and the changes you can make to prevent expensive coverage. Many rating criteria that drive up the price such as careless driving and a negative credit history can be rectified by making minor changes to your lifestyle.

Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while independent agencies can give you price quotes from multiple companies.

Step 3: Compare the quotes to your existing coverage to see if a cheaper price is available. If you can save some money, make sure there is no lapse in coverage.

Step 4: Tell your current agent or company of your intention to cancel your existing policy. Submit a down payment along with a completed application to the new company. As soon as you can, keep your new certificate of insurance along with the vehicle's registration papers.

A good piece of advice is that you use the same liability limits and deductibles on every price quote and and to get price quotes from as many companies as you can. Doing this guarantees a fair price comparison and the best price selection.

Unbelievably, nearly 70% of consumers have been with the same company for well over three years, and virtually 40% of consumers have never even shopped around for cheap coverage. With the average premium in Florida being $2,200, drivers could save $1,126 a year by just shopping around, but most just don't grasp how much they could save if they changed companies.

It is always a good idea to do rate comparisons once or twice a year because insurance prices fluctuate regularly. Even if you think you had the best quotes on Dodge Charger insurance in Tampa two years ago there may be better deals available now. Ignore everything you know about insurance because we're going to demonstrate how to use online quotes to buy cheaper Dodge Charger insurance in Tampa.

Insurance coverage details

The price information displayed below outlines different insurance rates for Dodge Charger models. Learning how auto insurance policy rates are determined is important for drivers to make smart choices when selecting a coverage provider.

Dodge Charger Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $348 $628 $548 $32 $164 $1,720 $143
Charger $348 $628 $548 $32 $164 $1,720 $143
Charger AWD $348 $628 $548 $32 $164 $1,720 $143
Charger 3.5 AWD $348 $628 $548 $32 $164 $1,720 $143
Charger SXT $348 $628 $548 $32 $164 $1,720 $143
Charger SXT AWD $348 $628 $548 $32 $164 $1,720 $143
Charger Rallye $348 $628 $548 $32 $164 $1,720 $143
Charger R/T $348 $722 $548 $32 $164 $1,814 $151
Charger Rallye AWD $348 $722 $548 $32 $164 $1,814 $151
Charger R/T AWD $384 $722 $548 $32 $164 $1,850 $154
Charger SRT-8 $384 $722 $548 $32 $164 $1,850 $154
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in garaging location in Tampa which can modify auto insurance rates significantly.

Policy deductible comparison

One of the more difficult decisions when buying insurance is how low should you set your deductibles. The rates shown below can help show the premium difference when you select higher and lower comp and collision deductibles. The first data set uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Dodge Charger insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $406 $640 $522 $30 $156 $1,779 $148
Charger $406 $640 $522 $30 $156 $1,779 $148
Charger AWD $406 $640 $522 $30 $156 $1,779 $148
Charger 3.5 AWD $406 $640 $522 $30 $156 $1,779 $148
Charger SXT $406 $640 $522 $30 $156 $1,779 $148
Charger SXT AWD $406 $640 $522 $30 $156 $1,779 $148
Charger Rallye $406 $640 $522 $30 $156 $1,779 $148
Charger R/T $406 $736 $522 $30 $156 $1,875 $156
Charger Rallye AWD $406 $736 $522 $30 $156 $1,875 $156
Charger R/T AWD $446 $736 $522 $30 $156 $1,915 $160
Charger SRT-8 $446 $736 $522 $30 $156 $1,915 $160
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Dodge Charger insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $250 $402 $522 $30 $156 $1,360 $113
Charger $250 $402 $522 $30 $156 $1,360 $113
Charger AWD $250 $402 $522 $30 $156 $1,360 $113
Charger 3.5 AWD $250 $402 $522 $30 $156 $1,360 $113
Charger SXT $250 $402 $522 $30 $156 $1,360 $113
Charger SXT AWD $250 $402 $522 $30 $156 $1,360 $113
Charger Rallye $250 $402 $522 $30 $156 $1,360 $113
Charger R/T $250 $464 $522 $30 $156 $1,422 $119
Charger Rallye AWD $250 $464 $522 $30 $156 $1,422 $119
Charger R/T AWD $276 $464 $522 $30 $156 $1,448 $121
Charger SRT-8 $276 $464 $522 $30 $156 $1,448 $121
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price information does not factor in specific location which can decrease or increase rates significantly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $36 more each month or $432 every year averaged for all Charger models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 21 months between claims, you would probably be better off if you choose a higher deductible. Below is how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $152
Average monthly premium for $1,000 deductibles (subtract): - $116
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One thing to be aware of is that higher deductibles means you will have to cover more of the damage yourself when you do file a claim. That will require some available funds in order to pay the deductible for vehicle repair.

The information below highlights how deductible selection and can affect Dodge Charger insurance prices for different ages of insureds. The information is based on a married female driver, comp and collision included, and no other discounts are factored in.

Do you need full coverage?

The information below illustrates the difference between Dodge Charger insurance costs with liability coverage only compared to full coverage. The costs are based on no violations or claims, $1,000 deductibles, marital status is single, and no discounts are applied.

When to stop paying for full coverage

There is no written rule of when to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let's pretend your Dodge Charger book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $7,000 after paying the physical damage deductible. If premiums are more than $700 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are some cases where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should keep full coverage.

Smart Choices Result in Lower Insurance Rates

Lots of things are part of the equation when you get a price on insurance. A few of the factors are predictable such as your driving record, although others are not as apparent such as your credit history or your financial responsibility. The best way to find cheaper insurance is to take a look at some of the elements that aid in calculating the level of your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that can help you get big savings.

  • Gender impacts premiums - The statistics show that women are safer drivers than men. It does not mean men are WORSE drivers than women. Men and women are in fender benders in similar numbers, but the male of the species tend to have more serious accidents. In addition to higher claims, males also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Young males cause the most accidents so they pay the highest premiums.

    The illustration below visualizes the comparison of Dodge Charger insurance rates for male and female drivers. The premium estimates are based on no claims or driving violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium.

  • Costs and your address - Living in areas with lower population has it's advantages if you are looking for the lowest rates. Residents of big cities have more road rage incidents and higher rates of accident claims. Less people corresponds to lower accident rates and also fewer theft and vandalism claims.
  • Low stress employer equals lower rates - Do you have a high-stress occupation? Careers such as lawyers, social workers, and dentists are shown to have higher rates than the rest of us in part from high stress and extremely grueling work hours. On the other hand, careers such as actors, engineers and the unemployed get better rates.
  • Lower insurance rates with uninterrupted coverage - Going without insurance is a quick way to pay more for insurance. Not only will you pay more, getting caught without coverage might get you a revoked license or a big fine. You may have to submit proof of financial responsibility or a SR-22 with the Florida department of motor vehicles.
  • Discounts for GPS tracking and theft deterrents - Driving a car with an alarm system can save you a little every year. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all help prevent your car from being stolen.
  • Pay more for higher performance vehicles - The make and model of the car or truck you drive makes a significant difference in how high your rates are. The cheapest rates tend to be for the lowest performance passenger cars, but many other things help determine your insurance rates.

    The data below uses these variables: single female driver age 30, full coverage with $250 deductibles, and no discounts or violations. It compares Dodge Charger insurance premiums compared to other vehicles that have different performance risks.

  • Claim-free discounts can add up - If you are the type of insured that files lots of claims you should expect either higher rates or even cancellation. Auto insurance companies in Florida award the best rates to people who only file infrequent claims. Auto insurance is meant to be used in the event of claims that pose a financial burden.
  • Low deductibles mean high premiums - The deductibles state the amount of money the insured will be required to pay before your insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of some claims that would be covered would be a windshield broken by a bird, animal collisions, and having a roll-over accident. The more damage repair cost you choose to pay out-of-pocket, the less your insurance will be.
  • Dodge Charger insurance claim data - Companies take into consideration insurance loss statistics for every vehicle to help calculate premium rates. Vehicles that statistically have higher loss trends will have higher rates for specific coverages. The table below shows the loss history for Dodge Charger vehicles.

    For each policy coverage type, the statistical loss for all vehicles, as a total average, is set at 100. Numbers under 100 are indicative of better than average losses, while numbers that are greater than 100 indicate higher probability of having a loss or an increased chance of larger losses than average.

    Car Insurance Loss Data for Dodge Charger Models
    Vehicle 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

    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

What is the best car insurance company in Tampa?

Ending up with the best insurance company can be difficult considering how many companies there are to choose from in Florida. The company rank data shown below may help you pick which insurers you want to consider comparing prices from.

Top 10 Tampa Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA - 91%
  2. AAA Insurance - 90%
  3. Esurance - 90%
  4. Mercury Insurance - 89%
  5. Nationwide - 89%
  6. Travelers - 88%
  7. Progressive - 88%
  8. Safeco Insurance - 88%
  9. State Farm - 88%
  10. Allstate - 88%

Cheap car insurance rates are possible

While you're price shopping online, it's very important that you do not reduce needed coverages to save money. There are too many instances where an accident victim reduced collision coverage and learned later that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage for the lowest cost.

Low-cost Dodge Charger insurance in Tampa can be found online in addition to local insurance agencies, and you need to price shop both to have the best selection. There are still a few companies who do not offer internet price quotes and most of the time these smaller companies work with independent insurance agencies.

How to buy low-cost Dodge Charger insurance in Tampa

The recommended way to find the cheapest price for auto insurance rates in Tampa is to compare prices regularly from insurers who sell auto insurance in Florida.

  1. Read about how auto insurance works and the measures you can take to keep rates down. Many policy risk factors that increase rates such as inattentive driving and a not-so-good credit score can be eliminated by making lifestyle changes or driving safer.
  2. Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices from multiple sources.
  3. Compare the quotes to your current policy to see if a cheaper rate is available. If you can save money, make sure coverage is continuous and does not lapse.

The most important part of shopping around is to try to use the same deductibles and limits on every quote request and and to get price quotes from as many companies as feasibly possible. Doing this helps ensure a fair rate comparison and many rates to choose from.

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