Cheap Jersey City Dodge Charger Insurance

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Trying to find lower-priced Dodge Charger insurance in Jersey City? When looking for cheaper insurance, do you get frustrated by the crazy number of car insurance choices in your area? There are so many choices to choose from that it can quickly become a real challenge to locate the lowest prices for Dodge Charger insurance in Jersey City. If you've ever been there, you know that Jersey City is the perfect city to reside in, but finding the money to pay for car insurance makes it very hard to pay for enough car insurance coverage.

Steps to buying affordable Dodge Charger insurance in Jersey City

It takes a little time, but the best way to save on car insurance rates in Jersey City is to regularly compare quotes from companies that insure vehicles in New Jersey. You can shop around by following these guidelines.

  1. Gain an understanding of how car insurance works and the measures you can control to keep rates low. Many risk factors that increase rates such as getting speeding tickets and a poor credit score can be amended by making minor driving habit or lifestyle changes. Later in this article we will cover instructions to help keep rates affordable and get bigger discounts.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple insurance companies. View rates
  3. Compare the new rates to your existing policy to see if switching to a new carrier will save money. If you find a lower rate quote and make a switch, ensure there is no coverage lapse between policies.
  4. Notify your company or agent of your intention to cancel your current policy. Submit the required down payment along with the signed application for the new policy. Make sure you put the new proof of insurance certificate in an easily accessible location in your vehicle.

An important note is to use the same level of coverage on each quote and to quote with as many auto insurance providers as possible. Doing this helps ensure an accurate price comparison and a good representation of prices.

Discount Dodge Charger insuranceIt's safe to assume that insurance companies don't want you quoting rates from other companies. Consumers who shop for lower rates are very likely to switch to a new company because the odds are good of finding coverage at a more affordable price. A recent survey revealed that drivers who compared rates regularly saved $850 each year compared to those who never shopped around for lower prices.

If saving the most money on auto insurance is why you're reading this, then having a good understanding the best way to compare auto insurance can help make the process easier.

It's smart to shop coverage around every six months because car insurance rates go up and down regularly. Even if you got the lowest premium rates on Dodge Charger insurance in Jersey City on your last policy there is a good chance you can find better prices now. Block out anything you think you know about car insurance because you're about to learn the right way to reduce your cost while increasing coverage.

The quickest method to compare car insurance company rates for Dodge Charger insurance in Jersey City is to realize auto insurance companies allow for online access to give you rate quotes. All consumers are required to do is provide the companies a bit of rating information like if the car is leased, types of safety features, your credit rating estimate, and how many miles driven. That information is sent automatically to all major companies and they provide comparison quotes immediately.

To check rates for your Dodge Charger now, click here and find out if you can get cheaper insurance in Jersey City.

The companies shown below can provide price quotes in Jersey City, NJ. In order to find cheap auto insurance in Jersey City, we recommend you visit two to three different companies to get the most competitive price.

Earn discounts on Jersey City auto insurance

Companies that sell car insurance don't list the entire discount list very clearly, so the following is a list of some of the best known and the more hidden savings tricks you should be using when you buy Jersey City auto insurance online.Discount auto insurance

  • Sign Online - Many larger companies will provide an incentive for buying your policy online.
  • Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Membership in Organizations - Affiliation with a qualifying organization can get you a small discount on your bill.
  • Claim-Free Discount - Good drivers with no accidents get the best auto insurance rates in comparison with bad drivers.
  • Fewer Miles Equal More Savings - Low annual miles could qualify for better rates on cars that stay parked.
  • Senior Discount - If you're over the age of 55, you could receive a small decrease in premiums.

Discounts save money, but please remember that many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn't stay in business. But any discount should help lower the amount you pay for coverage.

The example below shows the comparison of Dodge Charger auto insurance costs with and without discounts. The premiums assume a male driver, no violations or accidents, New Jersey state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, safe-driver, and claim-free discounts applied.

For a list of auto insurance companies that offer the discounts shown above in Jersey City, follow this link.

Statistics and details

The rate information shown next showcases different insurance rates for Dodge Charger models. Having a good understanding how insurance policy premiums are formulated can help you make smart policy decisions.

Dodge Charger Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $326 $582 $678 $40 $204 $1,830 $153
Charger $326 $582 $678 $40 $204 $1,830 $153
Charger AWD $326 $582 $678 $40 $204 $1,830 $153
Charger 3.5 AWD $326 $582 $678 $40 $204 $1,830 $153
Charger SXT $326 $582 $678 $40 $204 $1,830 $153
Charger SXT AWD $326 $582 $678 $40 $204 $1,830 $153
Charger Rallye $326 $582 $678 $40 $204 $1,830 $153
Charger R/T $326 $670 $678 $40 $204 $1,918 $160
Charger Rallye AWD $326 $670 $678 $40 $204 $1,918 $160
Charger R/T AWD $360 $670 $678 $40 $204 $1,952 $163
Charger SRT-8 $360 $670 $678 $40 $204 $1,952 $163
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates greatly.

Car insurance deductibles

One of the most common car insurance questions is how low should you set your deductibles. The rates shown below determine the rate fluctuation of buying low and high comp and collision deductibles. The first set of rates uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Dodge Charger insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $520 $880 $600 $36 $180 $2,241 $187
Charger $520 $880 $600 $36 $180 $2,241 $187
Charger AWD $520 $880 $600 $36 $180 $2,241 $187
Charger 3.5 AWD $520 $880 $600 $36 $180 $2,241 $187
Charger SXT $520 $880 $600 $36 $180 $2,241 $187
Charger SXT AWD $520 $880 $600 $36 $180 $2,241 $187
Charger Rallye $520 $880 $600 $36 $180 $2,241 $187
Charger R/T $520 $1014 $600 $36 $180 $2,375 $198
Charger Rallye AWD $520 $1014 $600 $36 $180 $2,375 $198
Charger R/T AWD $574 $1014 $600 $36 $180 $2,429 $202
Charger SRT-8 $574 $1014 $600 $36 $180 $2,429 $202
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Dodge Charger insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $380 $594 $600 $36 $180 $1,790 $149
Charger $380 $594 $600 $36 $180 $1,790 $149
Charger AWD $380 $594 $600 $36 $180 $1,790 $149
Charger 3.5 AWD $380 $594 $600 $36 $180 $1,790 $149
Charger SXT $380 $594 $600 $36 $180 $1,790 $149
Charger SXT AWD $380 $594 $600 $36 $180 $1,790 $149
Charger Rallye $380 $594 $600 $36 $180 $1,790 $149
Charger R/T $380 $684 $600 $36 $180 $1,880 $157
Charger Rallye AWD $380 $684 $600 $36 $180 $1,880 $157
Charger R/T AWD $418 $684 $600 $36 $180 $1,918 $160
Charger SRT-8 $418 $684 $600 $36 $180 $1,918 $160
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific zip code location which can raise or lower coverage prices substantially.

Based on the above data, using a $100 deductible costs approximately $40 more each month or $480 each year than buying the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 10 months between claims, you would probably save some money if you opt for a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $192
Average monthly premium for $500 deductibles (subtract): - $152
Monthly savings from raising deductible: $40
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $40
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 10 months

One important caveat is that raising deductibles means you will have to pay more when you do file a claim. You need to make sure you have enough disposable savings in the event you have to pay more to get your vehicle repaired.

The illustration below illustrates how your choice of deductibles and can affect Dodge Charger yearly insurance costs for different age categories. The premiums are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Dodge Charger full coverage rates compared to liability only

The information below shows the comparison of Dodge Charger insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no claims, a clean driving record, $1,000 deductibles, marital status is single, and no discounts are factored in.

Are you wasting money on full coverage?

There is no exact rule to eliminate physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let's assume your Dodge Charger settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after the policy deductible has been paid. If it's costing in excess of $500 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some circumstances where dropping full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

How Your Charger Insurance Premiums are Determined

When buying auto insurance it's important to understand some of the factors that are used to determine the price you pay for auto insurance. When you know what positively or negatively influences your rates, this helps enable you to make changes that could help you find lower premium levels.

Gender and insurance coverage - Statistics show females are less aggressive when driving. It does not mean women are BETTER drivers than men. Females and males are in auto accidents in similar percentages, but men tend to have more serious accidents. In addition to higher claims, males also get cited for more serious violations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.

The diagram below visualizes the comparison of Dodge Charger auto insurance costs for male and female drivers. The costs are based on no accidents, no driving violations, comp and collision included, $1,000 deductibles, single marital status, and no other discounts are factored in.

Marriage is a bonus - Being married can actually save you money on your policy. Having a significant other may mean you are less irresponsible and it's proven that married drivers tend to file fewer claims.

Your employer may affect rates - Jobs such as lawyers, architects, and financial analysts generally have higher average rates attributed to intense work requirements and incredibly demanding work hours. Other occupations like professors, athletes and performers have the lowest average rates.

Auto insurance rates and age - Mature drivers are viewed as being more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets. Youthful drivers are known to get distracted easily in a vehicle so they pay higher auto insurance rates.

The following chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

Liability protection - The liability coverage on your policy provides coverage in the event that you are determined to be liable for personal injury or accident damage. Your liability coverage provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.

Dodge Charger claim probability - Auto insurance companies use claims history to help calculate a profitable premium rate. Vehicles that are shown to have high amounts or severity of claims will have a higher cost to insure. The data below shows the actual insurance loss data for Dodge Charger vehicles.

For each policy coverage type, the statistical loss for all vehicles, without regard to make or model, is represented as 100. Percentage values below 100 represent a good loss history, while percentage numbers above 100 point to more frequent losses or tendency to have higher losses.

Insurance Loss Ratings for Dodge Charger Vehicles
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

Comparing quotes from local Jersey City insurance agencies

Some people would rather go talk to an agent and that can be a great decision An additional benefit of comparing insurance prices online is you may find cheap auto insurance quotes and also buy local. And buying from local insurance agents is important especially in Jersey City.

Insurance agency in Jersey CityTo make it easy to find an agent, after completing this quick form, the coverage information is sent to participating agents in Jersey City who will give you quotes to get your business. There is no need to contact any agents because quoted prices will be sent instantly to you. Get lower rates and an insurance agent to talk to. If you need to compare rates for a specific company, don't hesitate to find their quoting web page and fill out the quote form the provide.

When looking for a local insurance agency, it helps to know the two types of insurance agents and how they operate. Auto insurance agencies may be either independent agents or exclusive agents depending on their employer.

Independent Auto Insurance Agents

Independent agents are not locked into one company so they can write business with any number of different companies and find the cheapest rate. If premiums increase, they simply move the coverage in-house which is easy for the insured. When comparing auto insurance rates, you will definitely want to get insurance quotes from several independent insurance agents to have the best price comparison. Most can insure with small regional insurance companies which can save you money.

Shown below is a partial list of independent agencies in Jersey City who can help you get rate quotes.

  • 2330 John F. Kennedy Blvd - Jersey City, NJ 07304 - (201) 435-4300 - View Map
  • Exodus Insurance Services
    758 Ocean Ave - Jersey City, NJ 07304 - (201) 433-1015 - View Map
  • Blake Agency
    370 Pacific Ave - Jersey City, NJ 07304 - (201) 209-0065 - View Map

View more agents

Exclusive Agencies

These agents write business for a single company and examples are American Family, State Farm, and Allstate. They usually cannot compare rates from other companies so they really need to provide good service. These agents receive a lot of sales training on their company's products which helps them compete with independent agents. Consumers sometimes choose to use an exclusive agent mainly due to the prominent brand name and the convenience of having a single billing for all their coverages.

Listed below are Jersey City exclusive agents who can help you get price quote information.

View more agents

Deciding on an car insurance agent is decision based upon more than just a low price. The questions below may impact your decision as well.

  • Can glass repairs be made at your home?
  • Do they feel the quoted coverages are adequate?
  • Are they full-time agents?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • How often do they review coverages?
  • Are they actively involved in the community?
  • What discounts might you be missing?
  • Are they properly licensed to sell insurance in New Jersey?

It's not one size fits all

When choosing a policy for your personal vehicles, there is no one size fits all plan. Your needs are unique to you.Safe vehicles cost less to insure

For example, these questions might help in determining if you would benefit from professional advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • How high should deductibles be on a Dodge Charger?
  • Should I buy additional glass protection?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered if I drive in a foreign country?
  • Is my ex-spouse still covered by my policy?
  • Does low annual mileage earn a discount?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you're not sure about those questions, then you may want to think about talking to an insurance agent. If you don't have a local agent, simply complete this short form.

Don't give up on cheaper coverage

More affordable car insurance in Jersey City is possible from both online companies as well as from independent agents in Jersey City, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not offer the ability to get quotes online and these regional insurance providers sell through independent insurance agencies.

We just presented a lot of ways to find cheap Dodge Charger insurance in Jersey City. It's most important to understand that the more rate quotes you have, the better your chances of lowering your auto insurance rates. Drivers may even discover the best price on car insurance is with some of the smallest insurance companies.

When getting Jersey City auto insurance quotes online, it's not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

How to buy low-cost Dodge Charger insurance in Jersey City

Truthfully, the best way to find affordable quotes for Dodge Charger insurance is to regularly compare price quotes from different companies who can sell car insurance in Jersey City.

  • First, spend some time learning about how companies set rates and the measures you can take to keep rates down. Many rating factors that increase rates such as at-fault accidents and a bad credit rating can be eliminated by making minor changes in your lifestyle.
  • Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while agents who are independent can quote rates for many different companies. Click to view companies
  • Third, compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you can save money, ensure coverage does not lapse between policies.

The most important part of shopping around is that you use identical coverages on each quote request and and to get quotes from all possible companies. This guarantees the most accurate price comparison and the best price quote selection.

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