Trying to find cheap Dodge Charger insurance in Evansville is challenging for beginners to online insurance quotes. With more and more insurers available, it can be a real hassle to find the best rates.
Remarkably, a study showed that nearly 70% of drivers have remained with the same insurance company for four years or more, and roughly 40% of drivers have never even compared quotes to find lower-cost rates. Evansville insurance shoppers could save roughly $700 a year, but they won't spend time to compare rates and save money.
Companies offer money-saving discounts on Dodge Charger insurance in Evansville
Companies don't list every possible discount in an easy-to-find place, so the list below gives a summary of some of the more common as well as some of the hidden discounts that you may qualify for.
- Responsible Driver Discounts - Insureds who avoid accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.
- ABS Braking Discount - Vehicles with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
- Telematics Discount - Drivers that enable driving data submission to study driving patterns remotely like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as they are good drivers.
- Professional Memberships - Participating in specific professional or occupational memberships or organizations may earn a discount on your policy.
- Defensive Driver Discounts - Successfully completing a course teaching defensive driver skills could earn you a small percentage discount if your company offers it.
- Low Mileage Discounts - Driving less can earn cheaper premium rates.
- Seat Belt Discounts - Drivers who always wear seat belts and also require passengers to buckle their seat belts could save 15% off PIP or medical payments premium.
As a footnote on discounts, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, it doesn't quite work that way.
Car insurance companies who may offer these discounts include:
It's a good idea to ask every prospective company which discounts you qualify for. Some discounts listed above might not apply in every state. To find insurers that offer the discounts shown above in Evansville, follow this link.
To find more affordable rates, there are a couple of ways to compare rate quotes from insurance companies in your area. The fastest way to compare rates is to use the internet to compare rates. It's important to know that having more price comparisons provides better odds of finding the best rates.
The companies in the list below can provide free rate quotes in Evansville, IN. If more than one company is shown, it's a good idea that you visit as many as you can to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Charger 3.5 AWD||$216||$340||$358||$22||$108||$1,044||$87|
|Charger SXT AWD||$338||$632||$474||$28||$142||$1,614||$135|
|Charger Rallye AWD||$144||$322||$396||$24||$118||$1,004||$84|
|Charger R/T AWD||$300||$496||$350||$20||$106||$1,272||$106|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease premiums substantially.
Car insurance deductibles
The example below highlights how deductible choice and can raise or lower Dodge Charger premium costs for different age categories. The data is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Liability only or full coverage
The illustration below shows the difference between Dodge Charger car insurance rates with full coverage compared to only the Indiana minimum liability coverage. The data is based on a clean driving record, no at-fault accidents, $500 deductibles, single male driver, and no discounts are taken into consideration.
Are you wasting money paying for full coverage?
There is no exact rule of when to stop paying for physical damage coverage, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let's assume your Dodge Charger replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after you pay the deductible. If you are paying in excess of $700 a year for physical damage coverage, then you might want to think about dropping full coverage.
There are some conditions where dropping full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full 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 not opt for liability only.
Compare rates but buy from a neighborhood Evansville auto insurance agent
Many drivers just prefer to sit down with an agent and that is a personal choice. One of the benefits of comparing insurance prices online is the fact that drivers can get cheap auto insurance rates and still choose a local agent. And buying from neighborhood agents is especially important in Evansville.
After filling out this simple form, the coverage information is emailed to insurance agents in Evansville who will return price quotes for your auto insurance coverage. There is no reason to do any legwork as quotes are delivered instantly to you. You can find the lowest rates without requiring a lot of work. If you need to quote rates for a specific company, don't hesitate to go to their quote page and submit a quote form there.
Evansville car insurance agents are either independent or exclusive
If you are wanting to purchase auto insurance from a reliable agent, it helps to know the two types of insurance agents and how they are slightly different. Auto insurance agents in Evansville are categorized either independent or exclusive depending on the company they work for.
These type of agents often have many company appointments so as a result can place your coverage with an assortment of companies and get the cheapest rates. If your agent finds better pricing, they can switch companies in-house which requires no work on your part. If you need cheaper auto insurance rates, you will want to include a couple of independent agencies so that you have a good selection of quotes to compare. They also have the ability to place coverage with companies you've never heard of who may have lower rates.
Featured below are independent agents in Evansville that can give you free auto insurance rate quotes.
- Shepherd Insurance and Financial Services
7424 Eagle Crest Blvd - Evansville, IN 47715 - (812) 473-5100 - View Map
- Schultheis Insurance
32 N Weinbach Ave - Evansville, IN 47711 - (812) 479-8651 - View Map
- Affordable Insurance Agency
6240 E Virginia St b - Evansville, IN 47715 - (812) 479-3940 - View Map
Agents that elect to be exclusive can only place business with one company like Allstate, State Farm and Farmers Insurance. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. These agents are well trained on the products they sell which helps offset the inability to provide other markets. Consumers sometimes purchase coverage from exclusives mostly because of the prominence of the brand and strong financial ratings.
Listed below is a list of exclusive insurance agents in Evansville that can give you rate quotes.
- Randy Robertson - State Farm Insurance Agent
1520 Bellemeade Ave - Evansville, IN 47714 - (812) 479-1881 - View Map
- State Farm - Jenna Powers
3820 Oak Hill Rd #8 - Evansville, IN 47711 - (812) 401-3276 - View Map
- State Farm: Paul Watzlavik
8688 Ruffian Ln - Newburgh, IN 47630 - (812) 422-1195 - View Map
Picking the best insurance agent shouldn't rely on just a cheap price. You should also get answers to these questions.
- Does the agency have a positive business rating?
- Do you qualify for any additional discounts?
- Does the agent have a valid license to sell insurance in Indiana?
- Does the agency support the community they serve?
- Do they carry Errors and Omissions coverage?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is their price quote a firm figure or are their hidden costs?
- Do they have 24-hour customer assistance?
Coverages available on your policy
Knowing the specifics of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Liability auto insurance
This provides protection from injuries or damage you cause to other's property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/10 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $10,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things such as repair bills for other people's vehicles, bail bonds, attorney fees, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible. Indiana requires minimum liability limits of 25/50/10 but you should consider buying higher limits.
Collision coverage pays for damage to your Charger resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things like crashing into a building, hitting a parking meter, crashing into a ditch, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible on your Charger to get cheaper collision coverage.
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as damage from flooding, rock chips in glass, a broken windshield and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.
Coverage for medical expenses
Med pay and PIP coverage kick in for bills for things like doctor visits, X-ray expenses, pain medications and chiropractic care. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Dodge Charger.
Due to the fact that many Indiana drivers only purchase the least amount of liability that is required (25/50/10 in Indiana), their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy's liability coverage.
Discount Dodge Charger insurance in Evansville can be found on the web in addition to many Evansville insurance agents, and you should be comparing both to have the best selection. Some insurance providers may not provide online quoting and most of the time these small, regional companies provide coverage only through local independent agents.
Insureds change insurance companies for a number of reasons such as lack of trust in their agent, not issuing a premium refund, an unsatisfactory settlement offer or high prices. It doesn't matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.
As you quote Evansville car insurance, don't be tempted to reduce needed coverages to save money. Too many times, an insured dropped full coverage only to find out that the small savings ended up costing them much more. Your goal is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.
Additional detailed information can be found in these articles:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- What is the Cheapest Auto Insurance in Evansville, Indiana? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers Over Age 60 in Indiana? (FAQ)
- Who Has Cheap Auto Insurance for Retired Military in Indiana? (FAQ)
- Who Has Cheap Indiana Auto Insurance Quotes for Electric Cars? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Credit Impacts Car Insurance Rates (State Farm)
- Insuring a Leased Car (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)