Dodge Charger Insurance Rate Quotes in San Diego

Dodge Charger insurance image courtesy of QuoteInspector.com

Want to learn how to find cheaper Dodge Charger insurance in San Diego? Do you get exhausted from trying to scrape together enough money to pay high auto insurance rates every month? You are no different than the majority of other people in California.

Amazingly, a large majority of auto insurance policyholders kept their coverage with the same auto insurance company for at least four years, and virtually 40% of consumers have never compared rates with other companies. Many consumers in San Diego could save almost 35% a year just by comparing rates, but they just assume it's a time-consuming process to go online and compare rates. Numerous auto insurance companies battle for your business, and because of this it can be hard to compare car insurance companies to get the lowest cost out there.

The best way to compare insurance rates in your area is to know the trick almost all companies allow for online access to provide you with free rate quotes. To start a quote, the only thing you need to do is provide a little information including if a SR-22 is required, if the vehicle is leased, your job, and how much school you completed. The data is then sent to insurance companies and you get price estimates almost instantly.

To start a rate quote now, click here and complete the form.

The companies shown below offer free quotes in California. If multiple companies are shown, we suggest you click on several of them to find the most affordable auto insurance rates.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in vehicle location which can lower or raise premiums substantially.

Where to set your deductibles

One frequently asked question is where should you set your physical damage deductibles. The comparisons below help summarize the rate fluctuation between high and low physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in vehicle garaging location which can impact rates considerably.

Using the data above, we can ascertain that using a $250 deductible costs about $38 more each month or $456 for a full year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 20 months between claim filings, you would come out ahead if you choose a higher deductible.

You may need specialized insurance coverage

Always keep in mind that when comparing a policy, there is no best way to insure your cars. Every insured's situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight if your situation might need an agent's assistance.

• Am I covered when pulling a rental trailer?
• Is business equipment covered while in my vehicle?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need PIP coverage since I have good health insurance?
• Should I have combined single limit or split liability limits?
• Is pet coverage available?
• Who is covered when they drive my Dodge Charger?

If you can't answer these questions, you may need to chat with a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It's fast, free and you can get the answers you need.

Get rate quotes but still have a local San Diego insurance agent

Some people still prefer to get professional advice from a licensed agent and that is a personal choice. Professional insurance agents can point out coverage gaps and help file insurance claims. A nice benefit of comparing insurance prices online is that you can obtain cheaper premium rates and still buy from a local agent.

Upon completion of this quick form, your information gets sent to companies in San Diego who will give competitive quotes and help you find cheaper coverage. You never need to contact any insurance agencies since rate quotes are delivered directly to your email. If you have a need to get a price quote from a specific auto insurance provider, you would need to visit that company's website and submit a quote form there.

Picking the best company requires more thought than just a cheap price. Any agent in San Diego should be forthright in answering these questions:

• Do they write coverage based solely on cost?
• Is auto insurance their primary focus in San Diego?
• Do you qualify for any additional discounts?
• Where are claims handled?
• Can they provide you with a list of referrals?

Different types of car insurance agents in San Diego

If you want to use a reliable insurance agency, there are a couple of different types of agents that you can choose from. Agents in San Diego are categorized either exclusive or independent (non-exclusive). Both write policy coverage, but it's good to learn the difference in how they write coverage because it can impact the kind of agent you use.

Exclusive Agencies

These type of agents normally can only provide a single company's rates like State Farm, Allstate and AAA. They are unable to compare other company's rates so they really need to provide good service. Exclusive agents are well schooled on what they offer which helps overcome the inability to quote other rates.

Shown below is a list of exclusive insurance agencies in San Diego who can help you get comparison quotes.

More San Diego agents

Independent Auto Insurance Agencies

Agents that choose to be independent are not required to write business for one company so they have the ability to put coverage through lots of different companies and find you the best rates. If they find a cheaper price, an independent agent can move your coverage without you having to go to a different agency.

When shopping rates, we recommend you get several quotes from a couple of independent agencies for the best price selection.

Shown below is a list of independent agents in San Diego that are able to give comparison quotes.

More San Diego agents