Do you want a faster way to compare more affordable insurance rates in Tucson, AZ? Tucson shoppers have lots of choices when shopping for the best price on Dodge Charger insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to find the lowest rates. There is a right way and a wrong way to buy insurance and we’ll show you the quickest way to get price quotes for your Dodge and locate the cheapest rates.
It is always a good idea to take a look at other company’s rates on a regular basis since prices trend upward over time. If you had the best deal on Dodge Charger insurance in Tucson a couple years back there is a good chance you can find better premium rates now. Don’t believe everything you read about Charger insurance out there, but I’m going to show you some good information on how to buy insurance cheaper in Tucson.
The best way we recommend to compare car insurance rates for Dodge Charger insurance in Tucson utilizes the fact most larger insurance companies participate in online systems to quote your coverage. The only thing you need to do is spend a couple of minutes providing details including marital status, the make and model of your vehicles, how much school you completed, and what you do for a living. That rating information is sent automatically to many different companies and you receive quotes with very little delay.
To get price quotes for your Dodge Charger now, click here and complete the quick form.
The car insurance companies shown below are our best choices to provide quotes in Arizona. If multiple companies are listed, we suggest you get prices from several of them in order to get a fair rate comparison.
Car insurance is an important decision
Even though it’s not necessarily cheap to insure a Dodge in Tucson, insurance may not be optional for several reasons.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability insurance coverage in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Dodge, almost every bank will make it a condition of the loan that you have insurance to guarantee payment of the loan. If you let the policy lapse, the bank may insure your Dodge at a much higher rate and require you to pay a much higher amount than you were paying before.
- Insurance safeguards not only your Dodge but also your financial assets. Insurance will also pay for all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance more than cancel out the cost, especially with large liability claims. Unknowingly, the average driver is wasting up to $865 each year so it’s important to compare rates once a year at a minimum to make sure the price is not too high.
Dodge Charger detailed coverage information
The table below outlines estimates of rate quotes for Dodge Charger models. Having a good understanding how car insurance prices are formulated can be useful when making smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Charger 3.5 AWD||$278||$566||$424||$26||$126||$1,420||$118|
|Charger SXT AWD||$278||$566||$424||$26||$126||$1,420||$118|
|Charger Rallye AWD||$278||$650||$424||$26||$126||$1,504||$125|
|Charger R/T AWD||$308||$650||$424||$26||$126||$1,534||$128|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in zip code location which can modify premium rates greatly.
Gender-based auto insurance rates by age
The information below visualizes the comparison of Dodge Charger insurance premiums for male and female drivers. The rates are based on no claims, a clean driving record, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Tucson insurance discounts for a Dodge Charger
Some insurance providers don’t always list all their discounts very clearly, so the next list breaks down both the well known and the harder-to-find credits available to you. If you don’t get every credit you deserve, you could be getting lower rates.
- Discount for Life Insurance – Not all companies offer life insurance, but some may give you better premium rates if you take out a life insurance policy as well.
- Multi-policy Discount – If you combine your auto and homeowners policies with one insurance company you could save up to 20% off your total Charger insurance premium.
- Claim-Free Discount – Tucson drivers who stay claim-free get the best insurance rates when compared with drivers who are more careless.
- Service Members Pay Less – Being deployed with a military unit could be rewarded with lower insurance rates.
- Defensive Driving Course – Participating in a defensive driver course may get you a small discount depending on where you live.
- Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
We need to note that many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. Despite the appearance that it’s possible to get free car insurance, nobody gets a free ride.
The chart below visualizes the comparison of Dodge Charger insurance costs with and without discounts applied to the policy premium. The prices are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, multi-car, marriage, and claim-free discounts applied.
Some of the insurance companies that possibly offer most of the discounts above include:
Before buying, ask each insurance company how many discounts you can get. Some of the discounts discussed earlier may not be available in your state. To see insurance companies who offer online Dodge Charger insurance quotes in Tucson, click this link.
Local neighborhood insurance agents
Some people just want to go talk to an agent. Insurance agents are very good at helping people manage risk and help file insurance claims. The biggest benefit of price shopping on the web is you can get the lowest rates and also buy local.
Upon completion of this short form, your information is immediately sent to participating agents in Tucson who will return price quotes for your coverage. It’s much easier because you don’t need to do any legwork because quoted prices will be sent instantly to you. If for some reason you want to get a comparison quote from a particular provider, you just need to go to their quote page and submit a quote form there.
Choosing an provider requires you to look at more than just the premium amount. Any agent in Tucson should be forthright in answering these questions:
- Is the coverage adequate for your vehicle?
- If you are a high risk driver, do they have special markets for your coverage?
- Do you need full coverage on every vehicle?
- Is assistance available after office hours?
- Who are their largest clients?
- Do they specialize in personal lines auto insurance in Tucson?
Compare rates from both independent and exclusive car insurance agents
When finding a reliable insurance agent, it’s helpful to know the types of agencies and how they differ in how they quote coverages. Insurance agencies in Tucson are considered either exclusive or independent. Either one can sell and service insurance coverage, but it’s important to point out how they differ since it may influence your agent selection.
Agents that elect to be exclusive can only provide pricing for a single company such as Farmers Insurance, State Farm, or Allstate. They are unable to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive insurance agents are highly trained on their company’s products and that allows them to sell at a higher price point. Some insured continue to choose to use a exclusive agent partially due to the brand rather than low price.
The following is a list of exclusive agents in Tucson who may provide you with rate quotes.
- Tim Hill – State Farm Insurance Agent
727 N Swan Rd – Tucson, AZ 85711 – (520) 321-1333 – View Map
- Gilbert Castillo – State Farm Insurance Agent
3010 W Valencia Rd #250 – Tucson, AZ 85746 – (520) 883-2886 – View Map
- Annie Frits – State Farm Insurance Agent
3320 N Country Club Rd #210 – Tucson, AZ 85716 – (520) 777-7499 – View Map
Independent Insurance Agents
Agents of this type do not work for one specific company so as a result can place your coverage with lots of companies and find the cheapest insurance rates. If prices rise, your policy is moved internally and you don’t have to do anything.
When comparing insurance rates, we recommend you get insurance quotes from independent agents for maximum quote selection. Many independent agencies also insure through smaller mutual companies which may have better rates.
Shown below is a list of independent agencies in Tucson willing to provide rate quotes.
- Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900 – View Map
- DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map
- Mike Pierce Insurance
1809 S 6th Ave – Tucson, AZ 85713 – (520) 884-8488 – View Map
After talking to the agent and getting good responses to these questions as well as a affordable price, you have narrowed it down to a car insurance agent that is reputable and can insure your vehicles.
When do I need an agent’s advice?
When choosing a policy for your vehicles, there isn’t really a one-size-fits-all type of policy. Your situation is unique so this has to be addressed.
For example, these questions can help discover whether your personal situation might need an agent’s assistance.
- Am I covered if I crash into my own garage door?
- Why am I required to get a high-risk car insurance policy?
- Does my policy pay for OEM or aftermarket parts?
- Is my nanny covered when transporting my kids?
- Do I benefit by insuring my home with the same company?
- Should I file a claim if it’s only slightly more than my deductible?
- Am I covered when driving on a suspended license?
- Should I waive the damage coverage when renting a car?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.
Detailed coverages of your auto insurance policy
Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.
Uninsured and underinsured coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Charger.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (which is 15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.
Comprehensive coverages – This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like pain medications, EMT expenses, X-ray expenses, hospital visits and nursing services. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Liability auto insurance – Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 15/30/10 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage pays for claims like court costs, funeral expenses, medical expenses, pain and suffering and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford. Arizona state minimum liability requirements are 15/30/10 but you should consider buying more liability than the minimum.
The chart below demonstrates why low liability limits may not be adequate coverage.
Collision – This coverage covers damage to your Charger caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things like sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible on your Charger to save money on collision insurance.
Cheaper rates are available
We just showed you many ideas to compare Dodge Charger insurance auto insurance rates in Tucson. The most important thing to understand is the more rate quotes you have, the better likelihood of getting inexpensive Tucson auto insurance quotes. You may even be surprised to find that the biggest savings come from a smaller regional carrier. They may only write in your state and offer lower premium rates than the large multi-state companies such as State Farm, GEICO and Nationwide.
There are still a few companies who may not have rates over the internet and most of the time these small, regional companies provide coverage only through independent insurance agencies. Cheaper car insurance in Tucson is available from both online companies as well as from independent agents in Tucson, and you should compare rates from both to get a complete price analysis.
As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to discover later that it was a big mistake. Your strategy should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.
How to find cheaper Dodge Charger insurance in Tucson
It takes a few minutes, but the best way to get the cheapest auto insurance rates in Tucson is to compare prices at least once a year from companies that sell auto insurance in Arizona.
- Step 1: Spend a few minutes and learn about individual coverages and the things you can control to keep rates down. Many risk factors that increase rates such as accidents, careless driving, and an imperfect credit rating can be controlled by making minor changes to your lifestyle.
- Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and State Farm, while agents who are independent can provide price quotes for a wide range of companies.
- Step 3: Compare the quotes to your existing coverage to see if a cheaper price is available. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.
An important note is to try to use identical coverage information on every quote request and and to get price quotes from as many car insurance companies as possible. Doing this provides the most accurate price comparison and the most accurate and complete price analysis.
Additional car insurance information can be read at these links:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Who Has the Cheapest Tucson Car Insurance for Drivers Over Age 50? (FAQ)
- How Much are Auto Insurance Quotes for Teenagers in Tucson? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance for Ride Shares? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Determining Auto Insurance Rates (GEICO)
- Think You’re a Safe Driver? (State Farm)