How many times have you put off comparing quotes for more affordable auto insurance rates in Cleveland, OH? Cleveland drivers have many options when trying to find the lowest priced Dodge Charger insurance. They can either spend hours driving around to get rate comparisons or utilize the internet to get rate quotes.
There are more efficient ways to compare auto insurance rates and you need to know the absolute fastest way to get price quotes for a Dodge and obtain the lowest price from both online companies and Cleveland agents.
It’s an obvious conclusion that auto insurance companies want to prevent you from shopping around. Insureds who get comparison quotes at least once a year will, in all likelihood, switch companies because they stand a good chance of finding better rates. A study discovered that consumers who shopped around saved $865 annually compared to other drivers who never shopped around for better prices.
If finding the best rates on insurance in Cleveland is your ultimate goal, understanding how to get price quotes and compare insurance coverage can save time, money, and frustration.
Quote Cleveland Dodge Charger insurance online
Many insurance companies such as Allstate, GEICO and Progressive allow you to get insurance quotes direct online. Getting Dodge Charger insurance prices online is very simple as you simply type in the amount of coverage you want into a form. Once entered, their system will order your credit score and driving record and provides a quote.
Quoting online for Dodge Charger insurance in Cleveland helps simplify price comparisons, and it’s very important to have as many quotes as possible if you are searching for the cheapest price.
In order to compare rates now, compare rates from the companies below. If you have your current policy handy, we recommend that you enter coverages and limits exactly as shown on your declarations page. Using the same limits helps guarantee you are getting an apples-to-apples comparison for the exact same coverage.
The companies in the list below have been selected to offer free rate quotes in Cleveland, OH. If your goal is to find the best cheap car insurance in OH, we recommend you visit as many as you can to get a more complete price comparison.
Statistics and details
The information below covers different insurance rates for Dodge Charger models. Being aware of how insurance policy rates are formulated can help guide drivers when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $198 | $346 | $382 | $22 | $114 | $1,062 | $89 |
| Charger | $198 | $346 | $382 | $22 | $114 | $1,062 | $89 |
| Charger AWD | $198 | $346 | $382 | $22 | $114 | $1,062 | $89 |
| Charger 3.5 AWD | $198 | $346 | $382 | $22 | $114 | $1,062 | $89 |
| Charger SXT | $198 | $346 | $382 | $22 | $114 | $1,062 | $89 |
| Charger SXT AWD | $198 | $346 | $382 | $22 | $114 | $1,062 | $89 |
| Charger Rallye | $198 | $346 | $382 | $22 | $114 | $1,062 | $89 |
| Charger R/T | $198 | $398 | $382 | $22 | $114 | $1,114 | $93 |
| Charger Rallye AWD | $198 | $398 | $382 | $22 | $114 | $1,114 | $93 |
| Charger R/T AWD | $220 | $398 | $382 | $22 | $114 | $1,136 | $95 |
| Charger SRT-8 | $220 | $398 | $382 | $22 | $114 | $1,136 | $95 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in specific zip code location which can decrease or increase auto insurance rates noticeably.
Dodge Charger insurance rates: Men versus women
The chart below compares Dodge Charger insurance rates for male and female drivers. The premiums assume no claims or driving citations, full coverage, $100 deductibles, single marital status, and no other discounts are factored in.
Price comparison of only insuring for liability
The chart below illustrates the comparison of Dodge Charger yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The premium estimates are based on no accidents or driving violations, $250 deductibles, marital status is single, and no policy discounts are applied.
When to drop comp and collision
There is no exact formula to drop full coverage, but there is a broad guideline. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Dodge Charger settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after paying the physical damage deductible. If you are paying in excess of $400 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some situations where eliminating full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not consider dropping full coverage.
Three main reasons to buy car insurance
Despite the high insurance cost for a Dodge Charger in Cleveland, buying car insurance serves a purpose in several ways.
First, just about all states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability insurance if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Dodge Charger has a loan, most banks will make it mandatory that you have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may buy a policy for your Dodge at a much higher premium rate and require you to fork over much more than you were paying before.
Third, insurance safeguards not only your vehicle but also your assets. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage will also pay to defend you if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of having car insurance are definitely more than the cost, especially if you ever need it. An average driver in America is wasting up to $800 each year so you should quote and compare rates at least once a year to ensure rates are competitive.
Which is the best car insurance?
When buying coverage online or from an agent, there really is no single plan that fits everyone. Each situation is unique.
Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.
- How much will a speeding ticket raise my rates?
- Exactly who is provided coverage by my policy?
- Do I need to call my car insurance company before buying a new car?
- Am I getting all the discounts available?
- Can I still get insurance after a DUI?
- Is my custom paint covered by insurance?
- Do I have coverage if my license is suspended?
- What can I do if my company won’t pay a claim?
- Does low annual mileage earn a discount?
- Does insurance cover tools stolen from my truck?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.
Insurance coverages explained
Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Charger.
Since a lot of drivers only carry the minimum required liability limits (25/50/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for immediate expenses for things like surgery, X-ray expenses, doctor visits, pain medications and EMT expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive coverages
This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as falling objects, hitting a bird, hail damage and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability car insurance
Liability insurance will cover damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability can pay for things such as medical expenses, court costs and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Ohio requires drivers to carry at least 25/50/25 but you should think about purchasing higher limits.
The next chart shows why buying minimum limits may not be adequate coverage.
Collision insurance
Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as backing into a parked car, crashing into a ditch, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible on your Charger to get cheaper collision coverage.
What is the best auto insurance company in Ohio?
Insuring your vehicle with a high-quality car insurance provider is difficult considering how many different companies sell coverage in Cleveland. The ranking information displayed below may help you analyze which companies to look at comparing rates from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cheaper car insurance rates are possible
When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at the lowest possible cost and still be able to protect your assets.
Some insurance companies don’t offer the ability to get a quote online and many times these regional carriers sell through independent insurance agents. Budget-conscious Dodge Charger insurance can be bought both online and also from your neighborhood Cleveland agents, and you need to price shop both in order to have the best price selection to choose from.
We just presented many ideas to lower your Dodge Charger insurance premium rates in Cleveland. The key concept to understand is the more providers you compare, the higher your chance of finding inexpensive Cleveland auto insurance quotes. You may even find the best price on car insurance is with an unexpected company.
How to buy discount Dodge Charger insurance in Cleveland
If saving the most money is your goal, then the best way to get low-cost auto insurance rates is to start comparing prices regularly from insurers who sell insurance in Cleveland.
- Take a little time to learn about auto insurance and the things you can change to lower rates. Many rating factors that are responsible for high rates such as multiple speeding tickets and an imperfect credit score can be improved by making small lifestyle or driving habit changes.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO or State Farm, while independent agencies can provide rate quotes for many different companies. Compare rates now
- Compare the new rates to the premium of your current policy to see if cheaper Charger coverage is available in Cleveland. If you can save some money, make sure there is no coverage gap between policies.
- Notify your current company of your intent to cancel your current policy and submit any necessary down payment along with the completed application to your new insurance company. Be sure to safely store the certificate verifying coverage in your vehicle’s glove compartment or console.
The key thing to remember is to make sure you’re comparing identical deductibles and limits on each quote and to quote with every insurance company. This provides the most accurate price comparison and plenty of rates choose from.
More tips and info about car insurance can be read by following these links:
- Safety Belts FAQ (iihs.org)
- Who Has Affordable Auto Insurance for Uninsured Drivers in Cleveland? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Teen Driving and Texting (State Farm)