Discount Dodge Charger insuranceWant to learn how to find cheaper Dodge Charger insurance in Colorado Springs? Cutting costs on Dodge Charger insurance in Colorado Springs can seem to be quite difficult for drivers who are new to shopping for insurance online. There are so many options available that it can easily turn into a burden to locate the lowest coverage rates.

Statistics show that almost 70% of drivers have purchased from the same company for at least the last four years, and just short of a majority have never compared auto insurance rates at all. Colorado drivers can save hundreds of dollars each year just by comparing rates, but most tend to underestimate how much they could save if they switched.

Get cheaper Dodge Charger insurance in Colorado Springs with discounts

Some providers do not advertise every disount available in a way that's easy to find, so the following list contains both well-publicized as well as the least known credits that may apply to you.

One last thing about discounts, some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like it's possible to get free car insurance, it doesn't quite work that way.

The best insurance companies and some of their more popular discounts can be read below.

When quoting, ask all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts might not be offered everywhere. To see companies that provide some of the discounts listed above in Colorado Springs, click here to view.

When comparison shopping, there are several ways of comparing rates from insurance companies in your area. The easiest way by far to find affordable Dodge Charger insurance rates consists of shopping online.

It's important to know that having more price comparisons helps increase your odds of locating the best offered rates.

The companies shown below provide price quotes in Colorado. If more than one company is shown, it's a good idea that you get rates from several of them to find the most affordable car insurance rates.

Dodge Charger Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $308 $534 $592 $36 $178 $1,648 $137
Charger $270 $426 $448 $26 $134 $1,304 $109
Charger AWD $310 $496 $452 $26 $136 $1,420 $118
Charger 3.5 AWD $294 $528 $462 $28 $138 $1,450 $121
Charger SXT $164 $288 $422 $24 $126 $1,024 $85
Charger SXT AWD $192 $312 $452 $26 $136 $1,118 $93
Charger Rallye $164 $288 $422 $24 $126 $1,024 $85
Charger R/T $378 $764 $592 $36 $178 $1,948 $162
Charger Rallye AWD $216 $426 $422 $24 $126 $1,214 $101
Charger R/T AWD $326 $630 $422 $24 $126 $1,528 $127
Charger SRT-8 $406 $726 $448 $26 $134 $1,740 $145
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific Colorado Springs garaging location which can alter prices substantially.

Dodge Charger insurance costs by gender and age

The chart below illustrates the comparison of Dodge Charger insurance costs for male and female drivers. The premiums assume no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are factored in.

Four Things That Impact Your Insurance Premiums

Many factors are used when quoting car insurance. Most are fairly basic such as your driving record, although some other factors are not quite as obvious such as your marital status or your vehicle rating. A large part of saving on auto insurance is knowing some of the things that go into determining the rates you pay for auto insurance. If you understand what influences your rates, this enables you to make decisions that will entitle you to lower premium levels.

Listed below are a few of the "ingredients" used by your company to calculate prices.

Car insurance agents are professional risk managers

Some consumers prefer to sit down with an agent and that can be a great decision An additional benefit of comparing rates online is the fact that you can find lower rates and still have an agent to talk to. And supporting neighborhood agents is important particularly in Colorado Springs.

Insurance agency in Colorado SpringsTo help locate an agent, after submitting this simple form, the coverage information is emailed to agents in your area that can provide free Colorado Springs auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won't have to search for any insurance agencies due to the fact that quote results will go straight to your inbox. You'll get the best rates and a licensed agent to work with. If for some reason you want to get a price quote from a specific car insurance provider, you would need to jump over to their website and fill out the quote form the provide.

Choose the right car insurance agent

When narrowing the list to find a reliable agent, it's helpful to know the types of insurance agents and how they differ in how they quote coverages. Car insurance policy providers can be described as either independent (non-exclusive) or exclusive.

Independent Agencies or Brokers

Agents that elect to be independent are not required to write business for one company so they can insure your vehicles through many different car insurance companies and help determine which has the cheapest rates. If you are not satisfied with one company, they simply move your policy to a different company without you having to go to a different agency. When comparing car insurance prices, we recommend you contact at a minimum one independent agency to have the best price comparison. Most can insure with small regional insurance companies which may have better rates.

Listed below is a list of independent agents in Colorado Springs who can help you get price quote information.

More insurance agents

Exclusive Insurance Agencies

Agents that elect to be exclusive can only place business with one company such as Allstate and State Farm. They generally cannot provide rate quotes from other companies so it's a take it or leave it situation. Exclusive agencies are trained well in insurance sales which helps them sell insurance even at higher premiums. Some people will only use the same exclusive agent mainly due to the brand legacy and strong financial ratings.

The following is a list of exclusive agents in Colorado Springs willing to provide price quotes.

More insurance agents

Picking an car insurance agent is decision based upon more than just a cheap price. These are valid questions to ask:

Three reasons to not skimp on car insurance

Despite the potentially high cost of Dodge Charger insurance, insuring your vehicle is required in Colorado but also provides important benefits.

The benefits of having car insurance definitely exceed the price paid, particularly when you have a large claim. According to a recent study, the average American driver is wasting up to $830 a year so it's very important to do a rate comparison at every policy renewal to save money.

The best insurance company isn't always the cheapest

Consumers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, delays in paying claims, poor customer service or delays in responding to claim requests. Regardless of your reason, finding a new car insurance company can be pretty painless.

We just presented a lot of ways to find cheap Dodge Charger insurance in Colorado Springs. The most important thing to understand is the more providers you compare, the higher your chance of finding the cheapest Dodge Charger rate quotes. Drivers may even discover the most savings is with a smaller regional carrier.

When getting Colorado Springs auto insurance quotes online, you should never buy poor coverage just to save money. In many instances, an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at an affordable rate.

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