Are Your Dodge RamCharger Car Insurance Rates Too High?

Scraping up a payment for overpriced Dodge RamCharger insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Companies like State Farm, GEICO and Farmers Insurance all claim big savings with advertising and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

Cut your premium with discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to cut the cost considerably. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be manually applied before being credited. If you don’t get every credit possible, you’re paying more than you need to.

• Club Memberships – Being a member of a professional or civic organization is a good way to get lower rates on your policy for RamCharger coverage.
• Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
• Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy can get a discount on all vehicles.
• Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
• Multi-policy Discount – When you have multiple policies with one company you will save approximately 10% to 15%.
• Government Employees – Active or retired federal employment can earn a discount up to 10% for RamCharger coverage with a few car insurance companies.
• Good Student – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. But any discount will reduce the cost of coverage.

For a list of providers who offer car insurance discounts, click this link.

Dodge RamCharger rates are made up of many parts

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for car insurance. Understanding what controls the rates you pay helps enable you to make changes that may reward you with better car insurance rates.

• Credit scores impact car insurance rates – A driver’s credit history is a big factor in determining what you pay for car insurance. Therefore, if your credit is not that good, you could potentially save money when insuring your Dodge RamCharger by improving your rating. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
• Pleasure use saves money – The more miles you rack up on your Dodge each year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on how the vehicle is used. Vehicles that are left in the garage get more affordable rates compared to those used for work or business. Verify your car insurance policy shows how each vehicle is driven. Incorrect usage on your RamCharger can result in significantly higher rates.
• Low deductibles can be expensive – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Dodge from damage. Examples of covered claims could be collision with another vehicle, vandalism, and windstorm damage. Physical damage deductibles are the amount of money you are required to spend before your car insurance pays a claim. The more expense you’re willing to pay, the less your car insurance will be for RamCharger coverage.
• Liability coverage protects you – The liability section of your policy is the protection when you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.

Online quotes with a local insurance agent

Certain consumers prefer to talk to a local agent and that is OK! Professional agents can help determine the best coverages and help submit paperwork. One of the great benefits of getting online price quotes is you can get lower rates but also keep your business local. Buying from local businesses is important especially in smaller communities.

By using this form (opens in new window), your information gets sent to insurance agents who will give you bids for your business. There is no need to leave your house because quoted prices will be sent straight to your inbox. How cool is that?!<img class="alignright" style="padding-top:15px" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-91.jpg" alt=" insurance quotes” />

If you want to select a specific agent in your state, visit this site.

Deciding on an insurer requires more thought than just a low price. Any agent should have no problem answering these questions:

• Do you have coverage for a rental car if your vehicle is in the repair shop?
• How long has their agency been in business?
• How much will you save each year by using a higher deductible?
• Do they review policy coverages at every renewal?
• Does the agency have a good rating with the Better Business Bureau?
• Are you getting all the discounts the company offers?

Upon receiving good answers for all questions you ask and a good coverage price, it’s possible that you found a company that meets your needs to properly service your car insurance policy.

Don’t listen to company ads

Consumers can’t get away from ads for car insurance savings by companies like GEICO, State Farm and Progressive. All the companies make an identical promise that you can save if you change to them.

But how can every company make the same claim? It’s all in the numbers.

Different companies have a preferred profile for the right customer that earns them a profit. A good example of a driver they prefer could possibly be over the age of 50, is a homeowner, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

Consumers who are not a match for the “perfect” profile will have to pay higher premiums and ends up with the customer not buying. The ads state “customers who switch” not “people who quote” save that kind of money. That is how companies can state the savings.

Because of the profiling, it’s extremely important to compare as many rates as you can. Because you never know the company that will have the lowest rates.

Keep this in mind

The cheapest Dodge RamCharger insurance is available both online as well as from independent agents in your state, and you should be comparing both to have the best selection. There are still a few companies who don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

We just showed you some good ideas how to reduce Dodge RamCharger insurance prices online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the best prices are with the least-expected company. These companies often have lower prices on specific markets as compared to the big name companies such as Progressive and GEICO.