The recommended way to find the cheapest price for Dodge Charger insurance in Irvine is to start doing a yearly price comparison from different companies who provide car insurance in California.
Step 1: Gain an understanding of coverages and the measures you can take to prevent expensive coverage. Many policy risk factors that result in higher rates such as at-fault accidents, speeding tickets, and a bad credit rating can be remedied by making small lifestyle or driving habit changes.
Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes for many different companies.
Step 3: Compare the new quotes to the price on your current policy and determine if there is any savings. If you find a lower rate and change companies, verify that coverage does not lapse between policies.
Step 4: Provide notification to your current agent or company to cancel the current policy. Submit payment and a signed application to your new carrier. As soon as you can, safely store the certificate verifying coverage in a readily accessible location in your vehicle.
A good piece of advice is to compare identical coverage information on each quote request and and to look at as many carriers as you can. Doing this guarantees a fair price comparison and maximum price selection.
It’s an obvious conclusion that insurance companies don’t want policyholders to shop around. People who shop for lower rates are very likely to switch companies because they have a good chance of finding a policy with more affordable rates. A study discovered that people who routinely compared rates saved as much as $865 a year compared to drivers who never shopped around for better prices.
If finding budget-friendly Dodge Charger insurance in Irvine is your goal, then having some knowledge of the best way to quote and compare insurance can make shopping around easier.
If you have car insurance now, you will surely be able to find better prices using the ideas covered in this article. Our objective is to instruct you on the best methods to compare rates and also pocket some savings But California consumers benefit from understanding the methods companies use to determine premium rates because it varies considerably.
Auto insurance discounts help lower rates for Dodge Charger insurance in Irvine
Auto insurance is not an enjoyable expense, but there may be some discounts to cut the cost considerably. Most are applied at the time of quoting, but occasionally some discounts must be inquired about before you will receive the discount. If you check and find you aren’t receiving every discount you deserve, you could be getting lower rates.
- College Student – College-age children who are enrolled in a college that is more than 100 miles from Irvine and do not have access to a covered vehicle can receive lower rates.
- Active Military Service – Being deployed with a military unit could trigger a small discount.
- E-sign – Some auto insurance companies provide a small discount for buying your policy digitally online.
- Senior Discount – Drivers over the age of 55 can get a slight reduction on a Irvine car insurance quote.
- Memberships – Affiliation with a professional or civic organization could trigger savings on your next auto insurance statement.
- Low Mileage Discounts – Fewer annual miles on your Dodge could be rewarded with lower rates due to less chance of an accident.
- Telematics Discount – Drivers that enable their company to spy on their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive might see lower rates if they show good driving skills.
- ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes are safer to drive so you can save 10 percent or more.
A little disclaimer on discounts, most discounts do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.
The diagram below compares Dodge Charger car insurance rates with and without discounts applied to the rates. The information is based on a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, multi-car, marriage, and safe-driver discounts applied.
A few of the larger companies and some of their more popular discounts are outlined below.
- State Farm has discounts for accident-free, multiple autos, driver’s education, Drive Safe & Save, and passive restraint.
- GEICO may have discounts that include federal employee, defensive driver, anti-lock brakes, air bags, and multi-policy.
- Allstate offers discounts including utility vehicle, anti-theft, eSmart discount, premier discount, passive restraint, good payer, and anti-lock brakes.
- SAFECO has savings for safe driver, drive less, bundle discounts, anti-lock brakes, teen safe driver, and accident prevention training.
- Farm Bureau offers premium reductions for multi-vehicle, youthful driver, 55 and retired, multi-policy, and good student.
- Progressive policyholders can earn discounts including online signing, homeowner, multi-vehicle, online quote discount, and multi-policy.
- AAA offers discounts for AAA membership discount, pay-in-full, multi-car, good student, and multi-policy.
Check with every prospective company the best way to save money. Depending on the company, some discounts may not apply to policies in Irvine.
The method we recommend to get policy rate comparisons for Dodge Charger insurance in Irvine is to know the trick almost all companies participate in online systems to give free rates quotes. The one thing you need to do is provide the companies a bit of rating information including if you lease or own, if you have an active license, how many miles driven, and if it has an anti-theft system. Those rating factors is then submitted to multiple companies and they return cost estimate with very little delay.
To compare cheap Dodge Charger insurance rates now, click here and enter your zip code.
The auto insurance companies shown below are ready to provide quotes in California. To locate the cheapest car insurance in California, it’s highly recommended you get price quotes from several of them to get a more complete price comparison.
Insurance coverage details
The information displayed below highlights estimates of policy rates for Dodge Charger models. Knowing how insurance prices are established helps drivers make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $530 | $996 | $746 | $44 | $224 | $2,540 | $212 |
| Charger | $530 | $996 | $746 | $44 | $224 | $2,540 | $212 |
| Charger AWD | $530 | $996 | $746 | $44 | $224 | $2,540 | $212 |
| Charger 3.5 AWD | $530 | $996 | $746 | $44 | $224 | $2,540 | $212 |
| Charger SXT | $530 | $996 | $746 | $44 | $224 | $2,540 | $212 |
| Charger SXT AWD | $530 | $996 | $746 | $44 | $224 | $2,540 | $212 |
| Charger Rallye | $530 | $996 | $746 | $44 | $224 | $2,540 | $212 |
| Charger R/T | $530 | $1146 | $746 | $44 | $224 | $2,690 | $224 |
| Charger Rallye AWD | $530 | $1146 | $746 | $44 | $224 | $2,690 | $224 |
| Charger R/T AWD | $586 | $1146 | $746 | $44 | $224 | $2,746 | $229 |
| Charger SRT-8 | $586 | $1146 | $746 | $44 | $224 | $2,746 | $229 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Prices do not factor in zip code location which can alter auto insurance rates greatly.
Should you raise deductibles?
When comparing insurance rates, the most common question is what deductibles to buy. The following insurance rates outline the differences in price when you select higher and lower deductibles. The first data table uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger AWD | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger 3.5 AWD | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger SXT | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger SXT AWD | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger Rallye | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger R/T | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Charger Rallye AWD | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Charger R/T AWD | $474 | $780 | $552 | $32 | $166 | $2,029 | $169 |
| Charger SRT-8 | $474 | $780 | $552 | $32 | $166 | $2,029 | $169 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| Charger | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| Charger AWD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| Charger 3.5 AWD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| Charger SXT | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| Charger SXT AWD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| Charger Rallye | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| Charger R/T | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Charger Rallye AWD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Charger R/T AWD | $384 | $630 | $552 | $32 | $166 | $1,764 | $147 |
| Charger SRT-8 | $384 | $630 | $552 | $32 | $166 | $1,764 | $147 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in vehicle garaging location which can influence auto insurance rates noticeably.
Based on the above data, using a $250 deductible will cost in the ballpark of $21 more each month or $252 every year than buying the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 12 months between claim filings, you would most likely save money if you choose the higher deductible.
How to decide to raise your deductibles
| Average monthly premium for $250 deductibles: | $161 |
| Average monthly premium for $500 deductibles (subtract): | – $140 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
An important thing to remember is that increasing deductibles to lower your rates means you pay more out-of-pocket at claim time. That will force you to have some extra funds in the event you have to pay the deductible to have repairs made.
The chart below shows how choosing a deductible and can affect Dodge Charger insurance prices for each age group. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
Insurance rates based on gender in Irvine
The example below visualizes the comparison of Dodge Charger insurance rates for male and female drivers. The rate quotes are based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, single status, and no policy discounts are applied.
Dodge Charger liability-only versus full coverage
The diagram below visualizes the comparison of Dodge Charger auto insurance rates with full physical damage coverage compared to only buying liability only. The prices are based on no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are factored in.
When to drop comprehensive and collision coverage
There is no specific rule for eliminating full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Dodge Charger claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying your policy deductible. If you are paying in excess of $600 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where removing full coverage is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Your situation helps dictate your coverage
When buying coverage online or from an agent for your vehicles, there really isn’t a one size fits all plan. Each situation is unique so your insurance needs to address that.
These are some specific questions can help discover whether your personal situation might need an agent’s assistance.
- How can I get my company to pay me more for my totaled car?
- Why does it cost so much to insure a teen driver in Irvine?
- What is the rate difference between pleasure use and commuting?
- Am I getting all the discounts available?
- What is roadside assistance coverage?
- Are all vehicle passengers covered by medical payments coverage?
- Does my insurance cover a custom paint job?
If it’s difficult to answer those questions but one or more may apply to you, 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
Are insurance agents used anymore?
Some people still like to buy from a licensed agent and that is recommended in a lot of cases An additional benefit of comparing insurance prices online is the fact that drivers can get cheaper premium rates and still have an agent to talk to.
By using this simple form, the coverage information is sent to participating agents in Irvine that give free quotes for your business. You don’t have to search for any insurance agencies because quoted prices will be sent to you. You can get cheaper insurance rates without a big time investment. If for some reason you want to get a comparison quote from a specific insurance company, you just need to search and find their rate quote page and fill out their quote form.
Selecting an provider is decision based upon more than just the bottom line cost. Any good agent in Irvine should know the answers to these questions.
- Do they assist clients in filing claims?
- If you raise deductibles, how much can you save?
- Will you get a loaner vehicle if you car is being repaired?
- Is the agency active in community causes in Irvine?
- Is there a 24/7 contact number?
- Can you choose the body shop in case repairs are needed?
- What is the financial rating for the quoted company?
Car insurance agents in Irvine come in two varieties
If you want to use a local agent, it’s helpful to know the different types of agencies and how they can quote your rates. Insurance agencies can be described as either independent or exclusive.
Exclusive Insurance Agencies
Agents that choose to be exclusive can usually just insure with one company like Allstate, Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their company’s products which helps them sell on service rather than price. Consumers sometimes buy insurance from these agents partially due to the prominent brand name and solid financial strength.
Below is a list of exclusive insurance agents in Irvine who can help you get price quote information.
- Steven Wang – State Farm Insurance Agent
15333 Culver Dr #130 – Irvine, CA 92604 – (949) 552-3600 – View Map - Rebecca Higgs – State Farm Insurance Agent
5410 Trabuco Rd #100 – Irvine, CA 92620 – (949) 726-9015 – View Map - Ken LaTourette – State Farm Insurance Agent
1032 Irvine Blvd – Tustin, CA 92780 – (714) 544-3779 – View Map
Independent Insurance Agents
Independent agents can sell policies from many different companies and that is an advantage because they can write policies through many different insurance companies and find the cheapest insurance rates. If they quote lower rates, they simply switch companies in-house and you don’t have to switch agencies. When searching for an agent, you need to compare quotes from multiple independent agents so that you have a good selection of quotes to compare. A lot of them also have access to smaller regional carriers that may have much lower rates than larger companies.
Listed below are Irvine independent agents that are able to give comparison quotes.
- Blackwell Insurance
23002 Lake Center Dr – Lake Forest, CA 92630 – (949) 421-0222 – View Map - Gardner Insurance Orange County
4952 Warner Ave – Huntington Beach, CA 92649 – (714) 846-4231 – View Map - SureCo Insurance Agency
201 Sandpointe Ave Suite 600 – Santa Ana, CA 92707 – (866) 845-9815 – View Map
Frequent quotes can save
As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. Too many times, an insured cut physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.
In this article, we covered a lot of tips how to save on Dodge Charger insurance in Irvine. The key thing to remember is the more rate quotes you have, the better your chances of lowering your prices. You may even find the lowest premium rates are with a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.
Even more information is available at these sites:
- Distracted Driving (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Drivers with Accidents in Irvine? (FAQ)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Anti-Lock Brake FAQ (iihs.org)