Cheapest Insurance for a Dodge Charger in Tulsa

Insurance quote for Dodge Charger in TulsaUnimaginable but true, a large majority of consumers have remained with the same auto insurance company for four years or more, and approximately 40% of consumers have never shopped around. Consumers in Tulsa can cut their rates by as much as $550 a year, but most just don’t grasp the amount of savings they would get if they swap their current policy for a cheaper one.

It takes a few minutes, but the best way to get discount Dodge Charger insurance is to start doing an annual price comparison from companies that sell auto insurance in Tulsa.

  1. Read and learn about coverages and the measures you can take to lower rates. Many rating criteria that result in higher prices such as traffic citations and a less-than-favorable credit history can be amended by paying attention to minor details.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO or Allstate, while independent agencies can quote prices for a wide range of companies.
  3. Compare the new rate quotes to your current policy and see if there is a cheaper rate in Tulsa. If you can save money and switch companies, make sure coverage does not lapse between policies.
  4. Provide written notification to your current company of your intent to cancel your current auto insurance policy. Submit a signed application and payment to your new agent or company. Once received, place the new proof of insurance paperwork along with your vehicle registration.

The key thing to remember is to try to compare identical deductibles and limits on every price quote and and to compare as many companies as you can. Doing this enables a level playing field and a better comparison of the market.

Getting a more affordable price on insurance is actually quite simple. The only thing you need to do is invest a little time comparing rate quotes to discover which company has affordable Dodge Charger insurance quotes.

The following companies offer price quotes in Tulsa, OK. In order to find cheaper auto insurance in Tulsa, it’s highly recommended you click on several of them to get a more complete price comparison.

Earn discounts on Tulsa insurance

Companies don’t always publicize every policy discount very clearly, so the list below contains a few of the more common and the harder-to-find discounts that you can inquire about if you buy Tulsa car insurance online.Insurance discounts

Don’t be surprised that some credits don’t apply to the whole policy. Most only cut individual premiums such as liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, it just doesn’t work that way.

The illustration below compares Dodge Charger insurance costs with and without discounts applied to the rates. The costs are based on a female driver, no driving violations, no at-fault accidents, Oklahoma state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, marriage, and safe-driver discounts applied.

A list of companies and a summarized list of policyholder discounts include:

Check with every insurance company which discounts you may be entitled to. Savings may not apply to policyholders everywhere. If you would like to see a list of companies that have a full spectrum of discounts in Tulsa, click here.

Facts and figures for Dodge Charger insurance

The price information shown next highlights estimates of insurance prices for Dodge Charger models. Being able to understand how insurance quotes are calculated is important for drivers to make smart choices when selecting a coverage provider.

Dodge Charger Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $246 $398 $578 $34 $172 $1,428 $119
Charger $246 $398 $578 $34 $172 $1,428 $119
Charger AWD $246 $398 $578 $34 $172 $1,428 $119
Charger 3.5 AWD $246 $398 $578 $34 $172 $1,428 $119
Charger SXT $246 $398 $578 $34 $172 $1,428 $119
Charger SXT AWD $246 $398 $578 $34 $172 $1,428 $119
Charger Rallye $246 $398 $578 $34 $172 $1,428 $119
Charger R/T $246 $458 $578 $34 $172 $1,488 $124
Charger Rallye AWD $246 $458 $578 $34 $172 $1,488 $124
Charger R/T AWD $270 $458 $578 $34 $172 $1,512 $126
Charger SRT-8 $270 $458 $578 $34 $172 $1,512 $126
Get Your Own Custom Quote Go

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Table data does not factor in specific location information which can decrease or increase insurance rates significantly.

Analysis of deductible levels

One of the most common auto insurance questions is where to set your physical damage deductibles. The data tables below summarize the rate difference when you choose different comp and collision deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Dodge Charger insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $486 $822 $560 $34 $168 $2,095 $175
Charger $486 $822 $560 $34 $168 $2,095 $175
Charger AWD $486 $822 $560 $34 $168 $2,095 $175
Charger 3.5 AWD $486 $822 $560 $34 $168 $2,095 $175
Charger SXT $486 $822 $560 $34 $168 $2,095 $175
Charger SXT AWD $486 $822 $560 $34 $168 $2,095 $175
Charger Rallye $486 $822 $560 $34 $168 $2,095 $175
Charger R/T $486 $946 $560 $34 $168 $2,219 $185
Charger Rallye AWD $486 $946 $560 $34 $168 $2,219 $185
Charger R/T AWD $536 $946 $560 $34 $168 $2,269 $189
Charger SRT-8 $536 $946 $560 $34 $168 $2,269 $189
Get Your Own Custom Quote Go

Dodge Charger insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $270 $432 $560 $34 $168 $1,464 $122
Charger $270 $432 $560 $34 $168 $1,464 $122
Charger AWD $270 $432 $560 $34 $168 $1,464 $122
Charger 3.5 AWD $270 $432 $560 $34 $168 $1,464 $122
Charger SXT $270 $432 $560 $34 $168 $1,464 $122
Charger SXT AWD $270 $432 $560 $34 $168 $1,464 $122
Charger Rallye $270 $432 $560 $34 $168 $1,464 $122
Charger R/T $270 $498 $560 $34 $168 $1,530 $128
Charger Rallye AWD $270 $498 $560 $34 $168 $1,530 $128
Charger R/T AWD $296 $498 $560 $34 $168 $1,556 $130
Charger SRT-8 $296 $498 $560 $34 $168 $1,556 $130
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in vehicle location which can modify coverage rates significantly.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $54 more each month or $648 annually than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 17 months between claim filings, you would save more money going with the higher deductible. The illustration below shows how we made this calculation.

Average monthly premium for $100 deductibles: $179
Average monthly premium for $1,000 deductibles (subtract): – $125
Monthly savings from raising deductible: $54
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $54
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important caveat is that increasing deductibles to save money means you will have to pay more when you do file a claim. That will require enough disposable savings in the event you need to pay more for the deductible.

The chart below demonstrates how choosing different deductibles and can increase or decrease Dodge Charger premium costs for different age groups of insureds. Data assumes a married male driver, full physical damage coverage, and no discounts are applied.

Car insurance quotes from neighborhood Tulsa auto insurance agents

Some people would prefer to talk to an insurance agent and that is a personal choice. Professional agents can make sure you are properly covered and give you someone to call. One of the great benefits of comparing rates online is you can get cheap rate quotes and still have an agent to talk to.

Find insurance agent in TulsaAfter completing this simple form, the coverage information is emailed to local insurance agents that can provide free Tulsa car insurance quotes for your car insurance coverage. You won’t even need to do any legwork as quotes are delivered straight to your inbox. If you wish to get a price quote from one company in particular, don’t hesitate to visit that company’s website to submit a rate quote request.

Picking the best insurance company requires you to look at more than just the premium amount. Get answers to these questions too.

The following is a list of car insurance companies in Tulsa that are able to give price quote information for Dodge Charger insurance in Tulsa.

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Informed Drivers Can Save Money

Lots of things are used when pricing auto insurance. Most are fairly basic such as your driving history, but some are less apparent like where you live or your financial responsibility. The best way to find cheaper auto insurance is to take a look at the factors that come into play when calculating your premiums. When consumers understand what impacts premium levels, this enables informed choices that can help you get cheaper rates.

Here’s why auto insurance is not optional

Despite the fact that auto insurance is not cheap in Tulsa, maintaining insurance may not be optional for several reasons.

First, the majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability protection if you don’t want to risk a ticket. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your Dodge Charger with a loan, most banks will require you to buy full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may insure your Dodge for a lot more money and require you to reimburse them for the expensive policy.

Third, insurance safeguards both your vehicle and your assets. Insurance will pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance definitely exceed the price paid, especially with large liability claims. On average, a vehicle owner in Tulsa overpays more than $865 each year so shop around at least once a year to save money.

Best auto insurance in Oklahoma

Insuring your vehicle with the best auto insurance provider can be rather challenging considering how many different companies sell coverage in Oklahoma. The company ratings listed below may help you pick which car insurance companies you want to consider comparing prices from.

Top 10 Tulsa Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Tulsa Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Cheaper car insurance rates are out there

Budget-conscious Dodge Charger insurance is definitely available on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection. Some car insurance companies do not offer rate quotes online and most of the time these regional insurance providers sell through local independent agents.

Drivers leave their current company for any number of reasons including poor customer service, extreme rates for teen drivers, denial of a claim or even high prices. No matter why you want to switch, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. In too many instances, an accident victim reduced liability coverage limits and learned later that it was a big mistake. Your objective should be to find the BEST coverage at the best cost while not skimping on critical coverages.

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