Buying the most affordable Aurora Dodge Charger insurance quotes on the web might appear difficult for consumers not familiar with comparing prices on the web. Because there are so many insurers available, how can Aurora drivers be able to compare all the different companies and get the cheapest rates?

Insurance for Dodge ChargerUnthinkable but true, most insurance policyholders have bought insurance from the same company for four years or more, and just under half have never compared rates with other companies. Colorado drivers could cut their rates by 35% a year just by getting comparison quotes, but most undervalue the rate savings if they bought a different policy.

Finding the cheapest auto insurance coverage in Aurora can be easy if you know a few tricks. Just about anyone who buys auto insurance will more than likely find a cheaper policy. Although Colorado drivers need to have an understanding of the methods companies use to charge you for coverage because rates fluctuate considerably.

Cheap companies for Dodge Charger insurance

The following companies are ready to provide free rate quotes in Aurora, CO. If multiple companies are shown, we recommend you click on several of them in order to find the most affordable rates.

Dodge Charger Insurance Estimates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $202 $384 $570 $34 $170 $1,360 $113
Charger $310 $496 $452 $26 $136 $1,420 $118
Charger AWD $326 $630 $462 $28 $138 $1,584 $132
Charger 3.5 AWD $294 $528 $496 $30 $148 $1,496 $125
Charger SXT $310 $496 $452 $26 $136 $1,420 $118
Charger SXT AWD $238 $448 $496 $30 $148 $1,360 $113
Charger Rallye $234 $416 $592 $36 $178 $1,456 $121
Charger R/T $210 $390 $440 $26 $132 $1,198 $100
Charger Rallye AWD $378 $764 $592 $36 $178 $1,948 $162
Charger R/T AWD $264 $490 $496 $30 $148 $1,428 $119
Charger SRT-8 $360 $762 $496 $30 $148 $1,796 $150
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in garaging location in Aurora which can alter auto insurance rates noticeably.

Auto insurance premiums based on gender

The example below illustrates the difference between Dodge Charger auto insurance costs for male and female drivers. The premiums assume no violations or claims, full physical damage coverage, $500 deductibles, single marital status, and no additional discounts are factored in.

Find Dodge Charger Insurance for Less

Many different elements are used in the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, although some other factors are not quite as obvious like your continuous coverage and annual miles driven.

The itemized list below are a few of the "ingredients" companies use to determine prices.

Occupation impacts prices - Jobs like fire fighters, business owners and miners usually pay the highest average rates attributed to high stress levels and lengthy work days. Other jobs such as professors, historians and the unemployed generally pay rates lower than average.

Pleasure use or commuting - Driving more miles each year the more you'll pay to insure your vehicle. A lot of insurance companies calculate rates based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. It's always a good idea to double check that your insurance policy correctly shows how each vehicle is driven. An improperly rated Charger is throwing money out the window.

Deter theft and lower prices - Choosing a vehicle with a theft deterrent system can help bring down rates. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart vehicle theft.

Don't get traffic citations - Drivers with clean records receive lower rates compared to drivers with tickets. Only having one ticket can increase the cost of insurance forty percent or more. Drivers who get serious violations like DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 form with their state in order to prevent a license revocation.

Too many claims will drive insurance rates up - Auto insurance companies in Colorado give better rates to insureds who only file infrequent claims. If you file claims often, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is intended to be relied upon for the large, substantial claims.

Incidental coverages can add up - There are many extra add-on coverages you can purchase but may not be useful. Coverages like coverage for rental cars, towing, and term life insurance may not be needed and are just wasting money. They may seem good at first, but now you might not need them so eliminate them to save money.

Lower rates for married couples - Having a wife or husband may cut your premiums compared to being single. It usually means you are more financially stable it has been statistically shown that drivers who are married are more cautious.

Insurance loss statistics a Dodge Charger - Insurers factor in historical loss data when they file their rates in each state. Vehicles that the data determines to have a higher amount or frequency of claims will have higher premium rates.

The next table illustrates the compiled insurance loss statistics for Dodge Charger vehicles. For each insurance policy coverage type, the claim amount for all vehicles, as a total average, is a value of 100. Numbers under 100 imply a favorable loss record, while numbers above 100 indicate frequent claims or statistically larger losses.

Car Insurance Loss Data for Dodge Charger Models

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

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

Get cheaper Dodge Charger insurance in Aurora with discounts

Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. A few discounts will be applied at quote time, but less common discounts must be specially asked for prior to receiving the credit.Save money with discounts

We need to note that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, you won't be that lucky. But all discounts should help lower your policy premiums.

A list of companies and some of their more popular discounts are included below.

When getting free Aurora car insurance quotes, it's a good idea to every insurance company which discounts you may be entitled to. A few discounts might not be available to policyholders in Aurora. To locate insurers that provide some of the discounts listed above in Colorado, follow this link.

When should I have guidance from a local insurance agent?

Many people prefer to get professional advice from a licensed agent and doing so can bring peace of mind One of the benefits of getting free rate quotes online is you may find the lowest rates and still choose a local agent.

To make it easy to find an agent, after completing this form (opens in new window), your information is instantly submitted to agents in your area that provide free Aurora car insurance quotes for your coverage. There is no reason to visit any agencies because quoted prices will be sent directly to you. You can most likely find cheaper rates and an insurance agent to talk to. If you need to compare prices from a specific company, just search and find their rate quote page and fill out the quote form the provide.

Finding the right insurer requires more thought than just the price. Ask your prospective agent these questions:

Independent or Exclusive: It's your choice

If you want to use a local Aurora insurance agent, you need to know there are two types of insurance agents and how they are distinctly different. Agents are either independent or exclusive depending on the company they work for.

Exclusive Insurance Agents

Agents of this type work for only one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so they have to upsell other benefits. These agents are well schooled on their company's products which helps them sell insurance even at higher premiums. Many people use the same exclusive agent mainly due to the brand legacy and strong financial ratings.

The following are exclusive insurance agencies in Aurora that can give you price quote information.

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Independent Insurance Agents

Independent agencies do not work for one specific company so they can quote policies with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply switch companies in-house and you don't have to find a new agent.

When comparing rate quotes, you absolutely need to check rates from a couple of independent agencies in order to compare the most rates. They also have the ability to place coverage with small regional insurance companies that may provide cheaper insurance rates.

The following is a list of independent agents in Aurora who can help you get price quote information.

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Smaller companies may have the best rates

Big name companies like State Farm and Allstate constantly bombard you with ads on TV and radio. They all seem to have a common claim about saving some big amount if you switch your auto insurance coverage to their company. How does each company claim to save you money? This is how they do it.

Insurance companies provide the lowest rates for the type of driver that is profitable for them. A good example of a preferred risk might be a married male, owns their home, and drives less than 10,000 miles a year. A propective insured that matches those criteria will probably get the lowest premium rates and therefore will cut their rates substantially.

Consumers who don't qualify for these criteria will have to pay higher premium rates which leads to the customer not purchasing. The ads state "customers who switch" not "everyone that quotes" can get the lowest rates when switching. This is how insurance companies can make those claims. Because of this risk profiling, you should do a price quote comparison at every renewal. Because without a comparison, you cannot know which auto insurance company will provide the lowest Dodge Charger insurance in Aurora.

Special considerations

When selecting insurance from an agent or online, there isn't really a one size fits all plan. You are unique and a cookie cutter policy won't apply.Drive safe and save Here are some questions about coverages that may help highlight whether your personal situation could use an agent's help.

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

How much can you save?

As you restructure your insurance plan, make sure you don't buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

You just read many ideas to save on Dodge Charger insurance in Aurora. It's most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest auto insurance rates come from some of the smallest insurance companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

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