Are you searching for cheaper insurance rates in Las Vegas, NV? Las Vegas drivers have a choice when trying to find low-cost Dodge Charger insurance. You can either spend your time driving around trying to get quotes or use the internet to find the lowest rates. There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to quote coverages for your Dodge and find the lowest possible price either online or from Las Vegas insurance agents.

Discount Dodge Charger insuranceInconceivable but true, a large majority of consumers have remained with the same insurance company for over three years, and approximately 40% of consumers have never compared rate quotes at all. American consumers can save almost $850 each year just by shopping around, but most undervalue the amount of savings they would get if they switched to a more affordable policy.

It's a great practice to do price comparisons before your next renewal because prices are rarely the same from one policy term to another. Even if you got the lowest price on Dodge Charger insurance in Las Vegas a few years ago other companies may now be cheaper. There are lots of tips to save on Charger insurance on the internet, but by reading this article, you're going to learn some solid techniques on how to slash your insurance rates in Las Vegas.

Choosing the best rates in Las Vegas is much easier if you have a good place to start. If you have a policy now, you will most likely be able to find the best rates using these methods. Comparison shoppers just have to understand the best way to compare company rates on the web.

All major insurance companies such as Allstate and Progressive allow you to get coverage price quotes from their websites. Getting online quotes for Dodge Charger insurance in Las Vegas is quite easy as you just type in your coverage preferences into the quote form. After you complete the form, their quoting system automatically retrieves your credit score and driving record and gives you a price quote based on many factors.

This makes it easy to compare insurance prices and it's necessary to compare as many rates as possible in order to find the most affordable premium possible.

If you want to compare rates using this form now, check out the insurance providers below. If you have coverage now, it's recommended you replicate your coverages just like they are on your policy. Doing this guarantees you will be getting rate comparison quotes for similar insurance coverage.

The companies in the list below are our best choices to provide free quotes in Las Vegas, NV. If more than one company is shown, we suggest you compare several of them in order to get a fair rate comparison.

Dodge Charger Insurance Rate Estimates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $286 $582 $436 $26 $130 $1,460 $122
Charger $260 $480 $370 $22 $110 $1,242 $104
Charger AWD $258 $486 $436 $26 $130 $1,336 $111
Charger 3.5 AWD $278 $382 $504 $30 $152 $1,346 $112
Charger SXT $370 $694 $520 $30 $156 $1,770 $148
Charger SXT AWD $238 $438 $466 $28 $140 $1,310 $109
Charger Rallye $324 $554 $392 $24 $118 $1,412 $118
Charger R/T $326 $748 $466 $28 $140 $1,708 $142
Charger Rallye AWD $256 $540 $362 $22 $108 $1,288 $107
Charger R/T AWD $324 $626 $466 $28 $140 $1,584 $132
Charger SRT-8 $352 $734 $500 $30 $150 $1,766 $147
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can revise premiums noticeably.

Poor driving habits will raise your auto insurance rates

The diagram below shows how traffic citations and fender-benders can increase Dodge Charger insurance prices for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Full coverage rates vs. liability-only

The chart below shows the comparison of Dodge Charger auto insurance costs with full coverage and liability only. The price estimates are based on no claims or driving citations, $500 deductibles, single male driver, and no other discounts are factored in.

When to buy liability coverage only

There is no exact rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let's say your Dodge Charger replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after you pay the deductible. If premiums are more than $500 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Physical damage deductible comparison

One frequently asked question is how high should the physical damage deductibles be. The rates shown below outline the costs and benefits when you choose different insurance deductibles. The first set of rates uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.

Dodge Charger insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $300 $472 $386 $22 $116 $1,321 $110
Charger $300 $472 $386 $22 $116 $1,321 $110
Charger AWD $300 $472 $386 $22 $116 $1,321 $110
Charger 3.5 AWD $300 $472 $386 $22 $116 $1,321 $110
Charger SXT $300 $472 $386 $22 $116 $1,321 $110
Charger SXT AWD $300 $472 $386 $22 $116 $1,321 $110
Charger Rallye $300 $472 $386 $22 $116 $1,321 $110
Charger R/T $300 $544 $386 $22 $116 $1,393 $116
Charger Rallye AWD $300 $544 $386 $22 $116 $1,393 $116
Charger R/T AWD $330 $544 $386 $22 $116 $1,423 $119
Charger SRT-8 $330 $544 $386 $22 $116 $1,423 $119
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Dodge Charger insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $244 $382 $386 $22 $116 $1,150 $96
Charger $244 $382 $386 $22 $116 $1,150 $96
Charger AWD $244 $382 $386 $22 $116 $1,150 $96
Charger 3.5 AWD $244 $382 $386 $22 $116 $1,150 $96
Charger SXT $244 $382 $386 $22 $116 $1,150 $96
Charger SXT AWD $244 $382 $386 $22 $116 $1,150 $96
Charger Rallye $244 $382 $386 $22 $116 $1,150 $96
Charger R/T $244 $438 $386 $22 $116 $1,206 $101
Charger Rallye AWD $244 $438 $386 $22 $116 $1,206 $101
Charger R/T AWD $268 $438 $386 $22 $116 $1,230 $103
Charger SRT-8 $268 $438 $386 $22 $116 $1,230 $103
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in vehicle garaging location which can revise coverage rates considerably.

Based on these figures, using a $250 deductible will cost you about $15 more each month or $180 annually than quoting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average more than 17 months between claims, you would probably be better off by selecting a higher deductible.

Insurance discounts are available to get cheap rates

Companies that sell car insurance don't necessarily list every discount they offer in a way that's easy to find, so the next list breaks down some of the more common as well as the least known insurance savings.Discount insurance

One thing to note about discounts is that most credits do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, you're out of luck.

Larger insurance companies and a partial list of their discounts include:

When quoting, ask every prospective company which discounts you qualify for. All car insurance discounts might not be available to policyholders in every state.

Neighborhood agents and auto insurance

A lot of people still prefer to visit with an insurance agent and that can be a smart move Professional agents can help determine the best coverages and help you file claims. The biggest benefit of comparing rate quotes online is the fact that you can find cheap auto insurance quotes and still choose a local agent.

To make it easy to find an agent, after completing this form (opens in new window), the quote information is emailed to agents in your area that can give you free Las Vegas auto insurance quotes for your business. There is no reason to contact any insurance agencies as quotes are delivered instantly to you. If you want to quote rates for a specific company, you just need to jump over to their website to submit a rate quote request.

Choosing an provider should depend on more than just the price. These are some questions you should get answers to.

If you prefer to buy auto insurance from a local Las Vegas insurance agent, you should know the types of agencies and how they differ in how they quote coverages. Las Vegas agents are either independent agents or exclusive agents. Both types of agents can properly insure your vehicles, but it's important to know the differences since it may influence the selection process.

Exclusive Auto Insurance Agents

Exclusive agencies have only one company to place business with such as State Farm, Allstate, or Farmers Insurance. They usually cannot provide other company's prices so they have no alternatives for high prices. Exclusive agents receive extensive training on their company's products and that enables them to sell even at higher rates. Some consumers prefer to choose to use a exclusive agent partially due to the prominent brand name rather than having low rates.

Below is a short list of exclusive agencies in Las Vegas that can give you price quotes.

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Independent Auto Insurance Agents

Agents that elect to be independent can quote rates with many companies so they can write business with a variety of different insurance companies and find you cheaper rates. If they find a cheaper price, the business is moved internally and you won't have to switch agencies. When comparing auto insurance prices, we recommend you contact several independent insurance agents for maximum quote selection. A lot of them also have access to companies that do not advertise much that may provide cheaper auto insurance rates.

Shown below are independent insurance agencies in Las Vegas that can give you comparison quotes.

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After you get good responses to any questions you have and a low price estimate, most likely you have located an auto insurance agent that can be relied on to provide auto insurance coverage.

Dodge Charger Insurance Premium Factors

Lots of things are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but some are not as apparent like where you live or your financial responsibility.

Shown below are some of the most common factors used by insurance companies to determine rates.

Why you need quality insurance for your Charger

Even though it can be expensive, maintaining insurance is required for several reasons.

The benefits of insuring your Charger more than cancel out the cost, particularly for liability claims. According to a 2015 survey, the average American driver is wasting up to $865 each year so compare quotes from several companies at least once a year to ensure rates are competitive.

Quote more and you will save more

We just covered a lot of tips how to save on Dodge Charger insurance in Las Vegas. It's most important to understand that the more companies you get car insurance rates for, the better your comparison will be. Consumers may even find the most savings is with some of the lesser-known companies.

Drivers leave their current company for many reasons like not issuing a premium refund, delays in responding to claim requests, unfair underwriting practices and lack of trust in their agent. Regardless of your reason, finding a new insurance company can be easier than you think.

Low-cost Dodge Charger insurance in Las Vegas can be found on the web as well as from independent agents in Las Vegas, so you need to shop Las Vegas auto insurance with both to have the best rate selection. Some insurance companies may not offer rate quotes online and usually these small insurance companies only sell through independent agencies.

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