Compare Dodge Charger Insurance Quotes in Stockton

Car insurance shoppers not familiar with comparing prices online could find buying cheap Charger insurance is harder than they anticipated.

It’s an obvious statement that car insurance companies don’t want policyholders to shop around. Drivers who shop around for the cheapest rate will presumably buy a new policy because there is a good chance of finding coverage at a more affordable price. A study discovered that drivers who routinely compared quotes saved on average $865 annually compared to those who never shopped around.

If finding the lowest rates on car insurance is the reason you’re here, then having some insight into the best way to quote and compare car insurance can make it easier to shop your coverage around.

It’s smart to price shop coverage quite often since insurance prices change quite often. If you had the lowest rate on Dodge Charger insurance in Stockton last year you can probably find a better premium rate now. Forget all the misinformation about car insurance because we’re going to demonstrate the things you must know in order to get good coverage on Dodge Charger insurance in Stockton at a lower rate.

The best way we recommend to get rate comparisons for Dodge Charger insurance in Stockton is to know almost all companies actually pay money for the chance to quote your coverage. To start a quote, the only thing you need to do is provide details such as daily mileage, if you require a SR-22, how old drivers are, and which vehicles you own. Your details is sent automatically to multiple insurance providers and they return cost estimate instantly to find the best rate.

To compare rates for your car now, click here and find out if you can get cheaper insurance in Stockton.

The companies shown below are our best choices to provide price comparisons in Stockton, CA. If the list has multiple companies, we recommend you visit several of them to find the lowest auto insurance rates.

Lower rates by qualifying for these eight discounts

Some insurance providers don’t necessarily list every discount available very clearly, so the next list breaks down both the well known and also the more inconspicuous discounts that you may qualify for.

• Discount for Multiple Policies – If you can bundle your homeowners and auto insurance and place coverage with the same company you may save up to 20% and get you low cost Dodge Charger insurance.
• Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and the ABS can save up to 10%.
• Fewer Miles Equal More Savings – Low mileage vehicles may enable drivers to earn discounted auto insurance rates on garaged vehicles.
• Online Discount – Some larger companies give back up to $50 simply for signing digitally online.
• 55 and Retired – Older drivers may be able to get reduced rates.
• Renewal Discounts – A few larger companies offer discounts for signing up before your current expiration date. It’s a savings of about 10%.
• Claim-Free Discount – Good drivers with no accidents pay much less as opposed to drivers who are more careless.
• Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you can get free auto insurance, it’s just not the way it works.

The diagram below compares Dodge Charger car insurance costs with and without discounts applied. Data assumes a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, homeowner, multi-car, and safe-driver discounts applied.

If you would like to view insurers with significant discounts in California, follow this link.

Statistics and details

The rate information shown below showcases a range of coverage prices for Dodge Charger models. Knowing how insurance premiums are formulated helps drivers make informed decisions when shopping around for a new policy.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Information does not factor in specific zip code location which can change premiums greatly.

Comparison of policy deductibles

When buying car insurance, a common question is what deductibles to buy. The comparison tables below can help you visualize how much more you’ll pay of buying low and high deductibles. The first rate estimation uses a $250 physical damage deductible and the second price chart uses a $500 deductible.

Data 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, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in Stockton location which can lower or raise rates considerably.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $21 more each month or $252 a year averaged for all Charger models than opting for the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 12 months between claim filings, you would save more money going with the higher deductible.

The chart below demonstrates how deductibles and can raise or lower Dodge Charger insurance prices for each different age group. The costs are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Illustration showing the impact of accidents and violations

The diagram below highlights how speeding tickets and at-fault fender-benders impact Dodge Charger annual premium costs for different age groups. The information is based on a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.

Car insurance rates by gender and age

The example below compares Dodge Charger auto insurance costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, full coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.

Rate difference between full and liability-only coverage

The diagram below shows the difference between Dodge Charger insurance prices with liability coverage only compared to full coverage. The prices are based on no claims, a clean driving record, $1,000 deductibles, drivers are single, and no policy discounts are applied.

When to drop comp and collision

There is no definitive formula to stop paying for comprehensive and collision 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 replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Dodge Charger settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after paying your deductible. If premiums are more than $400 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are some situations where removing full coverage is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

Compare prices but buy from a local Stockton insurance agent

Certain consumers just want to get advice from a local agent and doing so can bring peace of mind An additional benefit of comparing rate quotes online is the fact that you can find better rates and still choose a local agent.

Upon completion of this form (opens in new window), your insurance data is immediately sent to local insurance agents in Stockton who will give you bids for your insurance coverage. There is no reason to even leave your home because quoted prices will be sent straight to your inbox. Get lower rates and a licensed agent to work with. If you wish to get a rate quote from a specific insurance provider, you can always visit that company’s website and fill out the quote form the provide.

Finding a good insurance company requires more thought than just a cheap price quote. Any agent in Stockton should have no problem answering these questions:

• How long has their agency been open in Stockton?
• Do you work with a CSR or direct with the agent?
• Is there a 24/7 contact number?
• How many years of experience in personal auto insurance do they have?
• Are they properly licensed to sell insurance in California?
• What discounts might you be missing?

If you want to use a reliable insurance agent, you must know there are a couple different types of agents and how they work. Insurance agencies in Stockton can be categorized as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Agents that elect to be exclusive have only one company to place business with such as Allstate, Farmers Insurance, State Farm, and AAA. They are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are highly trained in insurance sales and that can be a competitive advantage. Drivers often buy insurance from these agents mainly due to the brand name and strong financial ratings.

Listed below is a short list of exclusive insurance agents in Stockton willing to provide price quotes.

• Ann Harvie – State Farm Insurance Agent
  5637 N Pershing Ave, Ste E22 – Stockton, CA 95207 – (209) 956-2525 – View Map
• Farmers Insurance – Celine Vien
  7743 West Ln, Ste C4 – Stockton, CA 95210 – (209) 476-8222 – View Map
• State Farm: Cheryl Bentley
  1502 St Marks Plaza #2 – Stockton, CA 95207 – (209) 952-5065 – View Map

More Stockton agents

Independent Agents (or Brokers)

Independent agents are normally appointed by many insurers and that is an advantage because they can write policies with multiple insurance companies enabling the ability to shop coverage around. If your premiums go up, your agent can just switch to a different company and the insured can keep the same agent. If you need cheaper insurance rates, you need to get several quotes from several independent agencies to have the most options to choose from. Most also have access to mutual insurance companies which may provide better rates.

Listed below are Stockton independent insurance agents that can give you price quote information.

• Mark Berbower Insurance Agency
  2 W Swain Rd – Stockton, CA 95207 – (209) 405-1088 – View Map
• Truex Insurance Agency
  4609 Quail Lakes Dr #1 – Stockton, CA 95207 – (209) 477-1111 – View Map
• Brown and Brown Ins. Svcs. of CA Inc. DBA Debock and Muth Insurance Agency
  1330 W Fremont St – Stockton, CA 95203 – (209) 465-5671 – View Map

More Stockton agents

Auto insurance is unique, just like you

Always remember that when buying a policy for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed.
For example, these questions might help in determining whether your personal situation could use an agent’s help.

• Do I need medical payments coverage since I have good health insurance?
• What exactly is covered by my policy?
• If I drive on a suspended license am I covered?
• At what point should I drop full coverage?
• When should I remove my kid from my policy?
• Can my babysitter drive my car?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does my personal policy cover me when driving out-of-state?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Why you need Charger insurance in California

Even though it’s not necessarily cheap to insure a Dodge in Stockton, insurance is most likely required but also gives you several important benefits.

First, almost all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your vehicle with a loan, more than likely the lender will have a requirement that you buy insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Dodge at an extremely high rate and force you to reimburse them the higher price.

Third, insurance preserves not only your Dodge Charger but also your assets. Insurance will also pay for medical bills for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of carrying enough insurance more than offset the price you pay, particularly when you have a large claim. Unknowingly, the average driver is overpaying over $810 a year so it’s very important to do a rate comparison each time the policy renews to be sure current rates are still competitive.

Car insurance coverage considerations

Learning about specific coverages of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on most car insurance policies.

Liability auto insurance

Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.

Liability coverage protects against things like attorney fees, court costs and bail bonds. The amount of liability coverage you purchase is up to you, but buy higher limits if possible. California requires minimum liability limits of 15/30/5 but drivers should carry better liability coverage.

The chart below demonstrates why the minimum limit may not provide you with enough coverage.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, damage from getting keyed, damage from a tornado or hurricane, rock chips in glass and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays for damage to your Charger resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, backing into a parked car, scraping a guard rail and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible on your Charger to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Dodge Charger.

Because many people carry very low liability coverage limits (California limits are 15/30/5), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses such as prosthetic devices, ambulance fees, dental work, EMT expenses and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Quote. Compare. Save.

Some car insurance companies do not provide the ability to get a quote online and these smaller providers sell through independent insurance agencies. Cost effective Dodge Charger insurance is available from both online companies as well as from independent agents in Stockton, and you should be comparing both in order to have the best price selection to choose from.

As you prepare to switch companies, never reduce needed coverages to save money. Too many times, drivers have reduced comprehensive coverage or liability limits only to regret that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

How to find the cheapest rates for Dodge Charger insurance in Stockton

The best way we recommend to find affordable quotes for auto insurance rates is to make a habit of regularly comparing prices from companies in Stockton. You can shop around by completing these steps.

• First, get a basic knowledge of the different coverages in a policy and the things you can change to prevent rate increases. Many rating criteria that cause rate increases like at-fault accidents, careless driving, and poor credit history can be rectified by paying attention to minor details.
• Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and State Farm, while independent agencies can provide rate quotes from multiple sources.
• Third, compare the price quotes to your current policy and determine if cheaper Charger coverage is available. If you can save money, ensure coverage does not lapse between policies.

One key aspect when comparing rates is to compare the same physical damage deductibles and liability limits on every price quote and and to get quotes from every insurance company. Doing this guarantees a fair price comparison and plenty of rates choose from.

Additional information is located below:

• Understanding Rental Car Insurance (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance for a Jeep Grand Cherokee in Stockton? (FAQ)
• Who Has Cheap Stockton Auto Insurance Quotes for Inexperienced Drivers? (FAQ)
• Auto Insurance 101 (About.com)
• Bodily Injury Coverage (Liberty Mutual)