Compare Dodge Charger Insurance Quotes in Madison

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It's a known fact that insurance companies want to keep you from comparing rates. Insureds who shop around for the cheapest rate will, in all likelihood, switch car insurance companies because they stand a good chance of finding a cheaper policy. A recent survey revealed that consumers who regularly compared rates saved an average of $3,500 over four years compared to drivers who never shopped for cheaper rates.

If finding the most affordable Dodge Charger insurance in Madison is your ultimate objective, then learning a little about how to shop and compare coverage rates can make the process more efficient.

Insurance rates Dodge Charger in MadisonTo save the most money, the best way to get more affordable Dodge Charger insurance in Madison is to compare quotes once a year from different companies that sell auto insurance in Wisconsin.

First, take a little time to learn about car insurance and the changes you can make to prevent rate increases. Many policy risk factors that cause high rates like accidents, traffic tickets, and a substandard credit history can be eliminated by being financially responsible and driving safely.

Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from many different companies.

Third, compare the new rates to your existing policy to determine if switching companies saves money. If you find a lower rate, verify that coverage does not lapse between policies.

Fourth, notify your current company to cancel your existing policy. Submit payment and a signed application to your new company or agent. As soon as you receive it, keep the new proof of insurance paperwork in an easily accessible location in your vehicle.

The most important part of shopping around is to try to use the same coverage limits and deductibles on every price quote and and to get rates from every insurance company. This guarantees an accurate price comparison and a thorough price selection.

You may qualify for discounts for Dodge Charger insurance in Madison

Some insurers don't list every possible discount very clearly, so the next list breaks down some of the best known and also the more inconspicuous discounts you could be receiving when you buy Madison auto insurance online.Save money with discounts

  • Discount for Life Insurance - Larger companies have lower auto insurance rates if you buy a life policy as well.
  • Discounts for Federal Employees - Simply working for the federal government could provide a small rate reduction with some auto insurance companies.
  • Save with a New Car - Insuring a new Charger can save up to 30% because newer models have to meet stringent safety requirements.
  • Driver Safety - Taking time to complete a class that teaches defensive driver techniques can save you 5% or more and also improve your driving technique.
  • Telematics Discount - People who choose to allow driving data submission to spy on driving patterns by using a telematics device in their vehicle such as Progressive's Snapshot and State Farm's In-Drive may see discounts if they are good drivers.
  • Discounts for Responsible Drivers - Accident-free drivers may receive a discount up to 45% than drivers with accident claims.

While discounts sound great, it's important to understand that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. Even though it appears you would end up receiving a 100% discount, auto insurance companies aren't that generous.

The example below visualizes the comparison of Dodge Charger auto insurance rates with and without discounts applied to the premium. The premiums assume a female driver, a clean driving record, no claims, Wisconsin state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, marriage, multi-policy, and claim-free discounts applied.

To find insurers that offer the discounts shown above in Wisconsin, click here.

Most of the larger companies make it easy to get pricing direct online. Getting online quotes for Dodge Charger insurance in Madison can be done by anyone as you simply enter the coverage amounts you desire into a form. When the form is submitted, the company's rating system obtains your credit score and driving record and quotes a price based on these factors. Quoting online for Dodge Charger insurance in Madison makes it easy to compare insurance prices and it's also necessary to get many rate quotes if you want to get the best car insurance rates.

In order to use this form to compare rates, consider comparing rates from the companies shown below. If you have coverage now, it's recommended you enter coverages and limits as close as possible to your current policy. Doing this guarantees you are getting a fair comparison based on similar coverages.

The companies shown below are ready to provide free quotes in Wisconsin. To buy cheaper auto insurance in Madison, we recommend you visit two to three different companies to get the best price comparison.

Insurance coverage details

The information displayed next showcases a range of coverage prices for Dodge Charger models. Being aware of how prices are figured can help customers make smart choices when buying a car insurance policy.

Dodge Charger Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $284 $422 $376 $22 $112 $1,216 $101
Charger $284 $422 $376 $22 $112 $1,216 $101
Charger AWD $284 $422 $376 $22 $112 $1,216 $101
Charger 3.5 AWD $284 $422 $376 $22 $112 $1,216 $101
Charger SXT $284 $422 $376 $22 $112 $1,216 $101
Charger SXT AWD $284 $422 $376 $22 $112 $1,216 $101
Charger Rallye $284 $422 $376 $22 $112 $1,216 $101
Charger R/T $284 $484 $376 $22 $112 $1,278 $107
Charger Rallye AWD $284 $484 $376 $22 $112 $1,278 $107
Charger R/T AWD $312 $484 $376 $22 $112 $1,306 $109
Charger SRT-8 $312 $484 $376 $22 $112 $1,306 $109
Get Your Own Custom Quote Go

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in Madison location which can alter coverage rates greatly.

Comparison of policy deductibles

When buying auto insurance, a common question is how high should the physical damage deductibles be. The comparison tables below can help show the differences in premium rates between low and high insurance deductibles. The first rate table uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Dodge Charger insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $224 $352 $288 $18 $86 $993 $83
Charger $224 $352 $288 $18 $86 $993 $83
Charger AWD $224 $352 $288 $18 $86 $993 $83
Charger 3.5 AWD $224 $352 $288 $18 $86 $993 $83
Charger SXT $224 $352 $288 $18 $86 $993 $83
Charger SXT AWD $224 $352 $288 $18 $86 $993 $83
Charger Rallye $224 $352 $288 $18 $86 $993 $83
Charger R/T $224 $406 $288 $18 $86 $1,047 $87
Charger Rallye AWD $224 $406 $288 $18 $86 $1,047 $87
Charger R/T AWD $246 $406 $288 $18 $86 $1,069 $89
Charger SRT-8 $246 $406 $288 $18 $86 $1,069 $89
Get Your Own Custom Quote Go
Dodge Charger insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $138 $222 $288 $18 $86 $752 $63
Charger $138 $222 $288 $18 $86 $752 $63
Charger AWD $138 $222 $288 $18 $86 $752 $63
Charger 3.5 AWD $138 $222 $288 $18 $86 $752 $63
Charger SXT $138 $222 $288 $18 $86 $752 $63
Charger SXT AWD $138 $222 $288 $18 $86 $752 $63
Charger Rallye $138 $222 $288 $18 $86 $752 $63
Charger R/T $138 $256 $288 $18 $86 $786 $66
Charger Rallye AWD $138 $256 $288 $18 $86 $786 $66
Charger R/T AWD $152 $256 $288 $18 $86 $800 $67
Charger SRT-8 $152 $256 $288 $18 $86 $800 $67
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in vehicle location which can affect rates substantially.

Based on the above data, using a $250 deductible will cost you roughly $21 more each month or $252 a year than requesting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 36 months between claim filings, you would come out ahead going with the higher deductible.

The chart below shows how different deductible levels and can raise or lower Dodge Charger premium costs for different insured age categories. Data assumes a married female driver, comp and collision included, and no discounts are applied to the premium.

Dodge Charger insurance premiums by gender and age

The diagram below visualizes the comparison of Dodge Charger insurance prices for male and female drivers. The premiums are based on no violations or accidents, comp and collision included, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Does it make sense to buy full coverage?

The information below visualizes the comparison of Dodge Charger auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no violations or accidents, $1,000 deductibles, drivers are single, and no policy discounts are applied.

When to stop buying physical damage coverage

There is no specific rule to exclude full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let's assume your Dodge Charger book value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after paying your policy deductible. If you are paying in excess of $300 annually for full coverage, then it could be time to drop full coverage.

There are some conditions where eliminating full coverage is not a good idea. If you haven't paid off your loan, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Will just any policy work for me?

When it comes to buying coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else's.Insurance savings

For instance, these questions might point out if your insurance needs could use an agent's help.

  • What can I do if my company won't pay a claim?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my insurance cover a custom paint job?
  • Am I covered if I hit a deer?
  • Do I need to file an SR-22 for a DUI in Wisconsin?
  • What is the difference between personal and commercial auto insurance policies?
  • How do I buy GAP insurance?
  • What if a claim settlement is too low?
  • Do I have coverage when using my vehicle for my home business?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

You may need help from an insurance agent

Some people still prefer to have an agent's advice and doing so can bring peace of mind An additional benefit of getting online price quotes is that you can find cheap rate quotes and still have a local agent.

Find insurance agent in MadisonAfter filling out this quick form, the quote information is instantly submitted to companies in Madison who will give you bids for your insurance coverage. You won't even need to contact an agency since rate quotes are delivered immediately to your email address. Get lower rates without having to waste a lot of time. If you want to compare prices from a specific insurance company, you just need to search and find their rate quote page and complete a quote there.

Selecting an provider shouldn't rely on just the premium amount. These are some questions you should get answers to.

  • Are they able to provide referrals?
  • Does the agent have a valid license to sell insurance in Wisconsin?
  • How often do they review coverages?
  • Is insurance their full-time profession?
  • Who is covered by the car insurance policy?
  • If your car is totaled, how to they determine the replacement cost?
  • Will you work with the agent or an assistant?
  • Do they specialize in personal lines auto insurance in Madison?

If you prefer to buy auto insurance from a local insurance agency, you need to know there are two different types of agents and how they are slightly different. Agencies in Madison are categorized either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Agents of this type normally can only provide a single company's rates and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive agents are highly trained on their products and sales techniques and that can be a competitive advantage.

Shown below are Madison exclusive agencies that can give you price quotes.

7941 Tree Ln #205 - Madison, WI 53717 - (608) 824-9950 - View Map

658 S Gammon Rd #202 - Madison, WI 53719 - (608) 274-9702 - View Map

3312 Packers Ave - Madison, WI 53704 - (608) 249-2182 - View Map

More Madison agents

Independent Insurance Agents

Agents in the independent channel are appointed with more than one company so as a result can place your coverage with any number of different companies depending on which coverage is best. If you are not satisfied with one company, they simply switch companies in-house which is easy for the insured. If you need lower rates, you need to include rate quotes from a couple of independent agencies to ensure the widest selection of prices.

Below is a short list of independent agencies in Madison that can give you price quote information.

583 D'onofrio Dr Ste. 1012 - Madison, WI 53719 - (608) 442-6666 - View Map

1310 Mendota St # 108 - Madison, WI 53714 - (608) 241-4136 - View Map

6601 Grand Teton Plaza #7 - Madison, WI 53719 - (608) 203-8666 - View Map

More Madison agents

Quote more and you will save more

When buying insurance coverage, make sure you don't buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage only to find out they didn't have enough coverage. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Low-cost Dodge Charger insurance in Madison can be sourced from both online companies and from local agencies, so you need to quote Madison auto insurance with both in order to have the best chance of saving money. Some auto insurance companies do not offer rates over the internet and these small insurance companies only sell coverage through independent insurance agencies.

Consumers switch companies for many reasons like unfair underwriting practices, an unsatisfactory settlement offer, extreme rates for teen drivers or lack of trust in their agent. It doesn't matter what your reason, finding a new auto insurance company is actually quite simple.

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