Best Dodge Charger Insurance in Riverside

Inconceivable but true, almost 70% of drivers in California have bought car insurance from the same company for over three years, and nearly 40% of drivers have never compared rates to find lower-cost insurance. With the average premium in the U.S. being $1,847, drivers could pocket $850 a year, but most just don’t grasp the benefits if they switched.

Discount Dodge Charger insuranceIt takes a few minutes, but the best way to get the cheapest Dodge Charger insurance in Riverside is to compare prices at least once a year from insurers who sell insurance in California.

Step 1: Get a basic knowledge of the different coverages in a policy and the changes you can make to keep rates down. Many policy risk factors that result in higher rates such as multiple speeding tickets and a substandard credit score can be amended by making small lifestyle or driving habit changes.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while independent agencies can provide rate quotes for many different companies. Compare rates now

Step 3: Compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you find a lower rate, make sure coverage is continuous and does not lapse.

Step 4: Notify your agent or company to cancel the current policy and submit the signed application along with the required initial payment for your new policy. Once coverage is bound, place your new proof of insurance paperwork with your registration paperwork.

A key point to remember is to make sure you enter the same deductibles and limits on each quote request and and to look at all possible companies. Doing this enables an accurate price comparison and a thorough selection of prices.

Locating the best rates in Riverside is really quite simple as long as you have a good starting point. If you have coverage now, you should be able to buy cheaper auto insurance using these tips. Vehicle owners just have to know the tricks to buy auto insurance online from multiple companies.

Why Your Insurance Costs might be higher

An important part of buying insurance is that you know the rating factors that help determine the price you pay for auto insurance. If you know what impacts premium levels, this enables informed choices that could help you find lower auto insurance prices.

Dodge Charger detailed coverage information

The premium table displayed next outlines different prices for Dodge Charger models. Learning a little about how policy rates are established can be of help when making informed decisions when shopping around for a new policy.


Dodge Charger Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $258 $418 $564 $34 $168 $1,442 $120
Charger $258 $418 $564 $34 $168 $1,442 $120
Charger AWD $258 $418 $564 $34 $168 $1,442 $120
Charger 3.5 AWD $258 $418 $564 $34 $168 $1,442 $120
Charger SXT $258 $418 $564 $34 $168 $1,442 $120
Charger SXT AWD $258 $418 $564 $34 $168 $1,442 $120
Charger Rallye $258 $418 $564 $34 $168 $1,442 $120
Charger R/T $258 $482 $564 $34 $168 $1,506 $126
Charger Rallye AWD $258 $482 $564 $34 $168 $1,506 $126
Charger R/T AWD $284 $482 $564 $34 $168 $1,532 $128
Charger SRT-8 $284 $482 $564 $34 $168 $1,532 $128
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Estimates do not factor in specific location information which can increase or decrease auto insurance rates considerably.

Can higher deductibles save money?

The hardest decision when buying coverage is how high should the physical damage deductibles be. The following tables show the differences in premium rates of buying low and high policy deductibles. The first set of rates uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.


Dodge Charger insurance prices with $250 deductibles
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
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Dodge Charger insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $266 $426 $552 $32 $166 $1,442 $120
Charger $266 $426 $552 $32 $166 $1,442 $120
Charger AWD $266 $426 $552 $32 $166 $1,442 $120
Charger 3.5 AWD $266 $426 $552 $32 $166 $1,442 $120
Charger SXT $266 $426 $552 $32 $166 $1,442 $120
Charger SXT AWD $266 $426 $552 $32 $166 $1,442 $120
Charger Rallye $266 $426 $552 $32 $166 $1,442 $120
Charger R/T $266 $490 $552 $32 $166 $1,506 $126
Charger Rallye AWD $266 $490 $552 $32 $166 $1,506 $126
Charger R/T AWD $292 $490 $552 $32 $166 $1,532 $128
Charger SRT-8 $292 $490 $552 $32 $166 $1,532 $128
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can influence coverage rates considerably.

Based on this data, using a $250 deductible costs an average of $38 more each month or $456 each year than opting for the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 20 months between claim filings, you would save money if you opt for a higher deductible.

Dodge Charger insurance premiums by gender

The example below compares Dodge Charger car insurance rates for male and female drivers. The premiums are based on no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are applied.

Dodge Charger insurance discounts in Riverside

Some insurance providers don’t always list all their discounts very clearly, so we took the time to find a few of the more common in addition to some of the lesser obvious discounts that you may qualify for.Cheaper car insurance with discounts

Keep in mind that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, that’s just not realistic. But any discount will definitely lower the premium cost.

The example below compares Dodge Charger car insurance costs with and without some available policy discounts. The costs are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, homeowner, marriage, and safe-driver discounts applied.

The best car insurance companies and some of the premium reductions they offer are detailed below.

It’s a good idea to ask each company or agent to apply every possible discount. Depending on the company, some discounts may not apply to policyholders in Riverside. If you would like to view companies that offer multiple discounts in California, follow this link.

One last note

A few companies may not offer rate quotes online and usually these small, regional companies prefer to sell through local independent agents. Lower-priced Dodge Charger insurance in Riverside can be sourced on the web in addition to many Riverside insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.

Throughout this article, we presented a lot of information how to find cheaper Dodge Charger insurance in Riverside. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may even discover the biggest savings come from the smaller companies.

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at an affordable rate and still be able to protect your assets.

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