How to Save on Portland Dodge Charger Insurance

The preferred way to find low-cost Dodge Charger insurance is to do an annual price comparison from different companies who sell auto insurance in Portland. Drivers can shop around by following these guidelines.

1. Learn about how companies price auto insurance and the modifications you can make to keep rates in check. Many policy risk factors that result in higher prices like speeding tickets, careless driving and an unacceptable credit score can be remedied by making minor changes to your lifestyle. This article provides additional tips to help reduce premium rates and get discounts that may be available to you.
2. Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive and State Farm, while independent agencies can quote prices for a wide range of insurance providers.
3. Compare the new rate quotes to the premium of your current policy and see if you can save money. If you find a better price and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Provide adequate notice to your current company to cancel your current coverage and submit a down payment and signed policy application to your new company or agent. As soon as you have the new policy, keep your new certificate verifying coverage in an easily accessible location in your vehicle.

A good piece of advice is to compare the same level of coverage on each quote request and and to look at as many companies as possible. Doing this provides the most accurate price comparison and a thorough price selection.

Shockingly, most insurance customers have stayed with the same insurance company for well over three years, and nearly 40% of drivers have never compared insurance rates at all. Portland insurance shoppers can save nearly $967 each year, but they just assume it’s a time-consuming process to compare other rate quotes.

If you are insured now or need new coverage, use these cost-cutting techniques to lower your rates and possibly find even better coverage. Getting quotes for more affordable policy in Portland is not as hard as you may think. Smart buyers just need to use the most effective way to compare different rates over the internet.

Finding cheaper Portland car insurance prices is actually easier than you may think. All that’s required is to spend a few minutes comparing rate quotes from different insurance companies.

The companies in the list below offer quotes in Portland, OR. To get cheap car insurance in Oregon, it’s a good idea that you compare several of them to get the best price comparison.

Save a ton with these seven discounts

Auto insurance companies don’t list all their discounts very well, so we took the time to find some of the more common and the more hidden credits that may apply to you.

• ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and therefore earn up to a 10% discount.
• Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of 20% or more.
• Senior Discount – Mature drivers could receive a discount up to 10%.
• Life Insurance Discount – Larger auto insurance companies have a lower price if you buy life insurance from them.
• Military Deployment Discount – Having a family member in the military may qualify for rate reductions.
• Government Employee Discount – Simply working for the federal government can save as much as 8% with some auto insurance companies.
• Paperless Signup – Certain insurance companies will give you a small discount for buying your policy on their website.

We need to note that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, it’s just not the way it works. Any qualifying discounts should help reduce the amount you have to pay.

The diagram below illustrates the comparison of Dodge Charger insurance premiums with and without discounts applied to the rates. The data is based on a male driver, no tickets, no at-fault accidents, Oregon state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, homeowner, safe-driver, and multi-car discounts applied.

A few companies that may offer many of the previously listed discounts include:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

If you want affordable Dodge Charger insurance quotes, ask each company to give you their best rates. Some discounts listed above might not be available to policyholders in Portland. To locate providers who offer cheap Dodge Charger insurance quotes in Portland, click this link.

Rates and information analytics

The information below outlines estimates of insurance premium costs for Dodge Charger models. Learning how rate quotes are determined can help you make smart buying decisions.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in vehicle garaging location which can lower or raise premiums considerably.

Should you raise deductibles?

When shopping for insurance, a common question is which deductible level should you buy. The following tables highlight the differences in premium rates between high and low insurance deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium costs do not factor in garaging location in Portland which can revise insurance rates significantly.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $27 more each month or $324 each year averaged for all Charger models than selecting the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at least 15 months between claim filings, you would probably be better off by selecting a higher deductible.

The chart below demonstrates how deductibles and can influence Dodge Charger annual premium costs for different age groups. The rates are based on a single male driver, comp and collision included, and no other discounts are factored in.

Responsible drivers pay cheaper Portland insurance rates

The illustration below highlights how speeding tickets and at-fault accidents can increase Dodge Charger car insurance costs for each age group. The data assumes a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Comparison of insurance rates by age and gender

The chart below shows the difference between Dodge Charger auto insurance rates for male and female drivers. The information is based on no claims or violations, full coverage, $250 deductibles, single marital status, and no additional discounts are factored in.

Should you buy full coverage?

The information below shows the difference between Dodge Charger premium costs with full physical damage coverage and with liability coverage only. The costs are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.

When to stop buying full coverage

There is no written rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s pretend your Dodge Charger claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after the policy deductible has been paid. If you are currently paying more than $600 annually for full coverage, then you might consider buying liability only.

There are some conditions where buying only liability insurance is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Insurance agent or online?

Some consumers just prefer to get professional advice from a licensed agent and that is a smart decision Professional agents can help you build your policy and will help you if you have claims. One of the great benefits of price shopping on the web is you can get cheap insurance rates and still choose a local agent. Buying from neighborhood agents is still important in Portland.

To make it easy to find an agent, after completing this quick form, your insurance data is transmitted to companies in Portland who will return price quotes for your business. It simplifies rate comparisons since you won’t have to do any legwork due to the fact that quote results will go directly to your email. If you have a need to quote rates for a specific company, don’t hesitate to find their quoting web page and submit a quote form there.

If you need to find a reliable insurance agency, there are a couple of different types of agents that you can choose from. Insurance policy providers are categorized either independent or exclusive depending on the company they work for. Either one can write insurance policies, but it’s important to know the difference in how they write coverage since it can affect which type of agent you select.

Independent Insurance Agencies

Independent agents do not have single company limitations and that gives them the ability to insure with lots of companies and get the cheapest rates. If they find a lower price, they can switch companies in-house and you won’t have to switch agencies.

If you are comparing rate quotes, you definitely need to get rate quotes from at a minimum one independent agency to ensure the widest selection of prices. Most also have access to smaller regional carriers that may have much lower rates than larger companies.

Listed below are Portland independent agencies who may be able to give you price quote information.

• Fournier Group
  510 SW 5th Ave #701 – Portland, OR 97204 – (503) 251-2255 – View Map
• Nationwide Insurance: Eric L Weber Agency
  4415 NE Sandy Blvd Ste 200 – Portland, OR 97213 – (503) 249-7667 – View Map
• Metro One Insurance Agency
  3423 S Telegraph Rd, Dearborn, MI 48124 – Dearborn, OR 48124 – (313) 456-9455 – View Map

View more Portland agents

Exclusive Agents

Exclusive agents can only write with one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. They are very knowledgeable on their products and sales techniques which can be an advantage. Consumers frequently use the same agent mainly due to the prominence of the brand rather than low rates.

Listed below are exclusive insurance agents in Portland who can help you get price quote information.

• Gunnar Olson – State Farm Insurance Agent
  107 SE Washington St Ste 143 – Portland, OR 97214 – (503) 230-0216 – View Map
• Chris Lawson – State Farm Insurance Agent
  3118 NE Broadway St – Portland, OR 97232 – (503) 282-4569 – View Map
• Doug Menely – State Farm Insurance Agent
  8606 SE 17th Ave – Portland, OR 97202 – (503) 238-1903 – View Map

View more Portland agents

Finding a good auto insurance agent shouldn’t rely on just a low price. Here are some questions you might want to ask.

• Is coverage determined by price?
• Can you choose the body shop in case repairs are needed?
• Will the quote change when the policy is issued?
• How much can you save by raising your physical damage deductibles?
• Are aftermarket or OEM parts used to repair vehicles?
• Which company do they place the most coverage with?
• What will you get paid if your car is a total loss? How is that amount determined?

Situations that may require an agent’s advice

Always keep in mind that when comparing proper insurance coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your insurance needs could use an agent’s help.

• If I drive on a suspended license am I covered?
• Is my vehicle covered by my employer’s policy when using it for work?
• Can my babysitter drive my car?
• Is there a penalty for late payment?
• Does liability extend to a camper or trailer?
• Why am I be forced to buy a membership to get insurance from some companies?
• Will my Dodge Charger be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Learning about specific coverages of your auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive protection – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, hitting a deer, damage from getting keyed and falling objects. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Charger.

Since many Oregon drivers have only the minimum liability required by law (Oregon limits are 25/50/20), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like funeral costs, rehabilitation expenses, surgery, prosthetic devices and ambulance fees. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage – This coverage covers damage to your Charger resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Charger to bring the cost down.

Liability insurance – Liability coverage can cover damage that occurs to other people or property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/20 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $20,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like structural damage, emergency aid, court costs and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible. Oregon requires minimum liability limits of 25/50/20 but it’s recommended drivers buy higher limits.

The illustration below demonstrates why the minimum limit may not be high enough to adequately cover claims.

Quote more to save more

Budget-friendly car insurance in Portland can be purchased on the web and from local agencies, and you should be comparing both so you have a total pricing picture. A few companies may not offer the ability to get quotes online and these smaller providers prefer to sell through independent agents.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

Consumers leave their current company for many reasons like policy cancellation, questionable increases in premium, lack of trust in their agent or not issuing a premium refund. It doesn’t matter why you want to switch finding the right car insurance provider can be less work than you think.

More detailed car insurance information is located at these sites:

• Tools for Teen Driving Safety (State Farm)
• How Much are Portland Car Insurance Rates for a Learners Permit? (FAQ)
• Who Has Affordable Car Insurance Quotes for Handicapped Drivers in Portland? (FAQ)
• Who Has Cheap Auto Insurance for Teenage Females in Portland? (FAQ)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
• Understanding Limits and Deductibles (Allstate)