Compare Dodge Charger Insurance Quotes in New Orleans

Insurance quote for Dodge Charger in New OrleansHow long has it been since you shopped around for the cheapest Dodge Charger insurance in New Orleans? Having to pay for high-priced insurance in New Orleans can stress out your accounts and force you to make tough financial choices. Price shopping at each renewal is free, only takes a few minutes, and is a good way to cut your insurance bill.

Sad but true, most insurance buyers have stayed with the same insurance company for at least four years, and approximately 40% of consumers have never shopped around. With the average insurance premium being $2,857, Louisiana drivers could save roughly $900 a year just by shopping around, but most undervalue the large savings they would see if they switched. Having so many options for buying cheaper insurance for a Dodge Charger in New Orleans, it can be hard to pick the lowest price insurance company.

Our objective in writing this article is to help educate you on the best way to quote coverages and also save some money in the process If you’re already insured, you will most likely be able to buy cheaper insurance using the concepts you’re about to learn. Drivers just need to learn the best way to compare company rates instantly.

Auto insurance providers offering affordable prices in Louisiana

The companies shown below have been selected to offer comparison quotes in Louisiana. If you want cheap car insurance in Louisiana, we recommend you click on several of them to get the cheapest price.

Dodge Charger insurance charts and tables

The rate information below highlights different insurance costs for Dodge Charger models. Having knowledge of how insurance policy rates are formulated can assist in making smart choices when selecting a coverage provider.

Dodge Charger Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $318 $448 $760 $46 $228 $1,800 $150
Charger $318 $448 $760 $46 $228 $1,800 $150
Charger AWD $318 $448 $760 $46 $228 $1,800 $150
Charger 3.5 AWD $318 $448 $760 $46 $228 $1,800 $150
Charger SXT $318 $448 $760 $46 $228 $1,800 $150
Charger SXT AWD $318 $448 $760 $46 $228 $1,800 $150
Charger Rallye $318 $448 $760 $46 $228 $1,800 $150
Charger R/T $318 $516 $760 $46 $228 $1,868 $156
Charger Rallye AWD $318 $516 $760 $46 $228 $1,868 $156
Charger R/T AWD $350 $516 $760 $46 $228 $1,900 $158
Charger SRT-8 $350 $516 $760 $46 $228 $1,900 $158
Get Your Own Custom Quote Go

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in New Orleans location which can change prices substantially.

Rate increases following a ticket or accident

The information below demonstrates how citations and accident claims drive up Dodge Charger auto insurance rates for different categories of driver ages. The premiums are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Do you need full coverage?

The information below shows the difference between Dodge Charger insurance prices with full coverage and liability only. The data is based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied.

When to eliminate full coverage

There is no definitive guideline to eliminate physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Dodge Charger settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after paying your deductible. If premiums are more than $700 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where only buying liability is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

How Insurance Companies Calculate Dodge Charger Insurance Premiums

Lots of things are taken into consideration when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are less obvious like your continuous coverage and annual miles driven.

Determine discounts to get cheap New Orleans car insurance quotes

Buying car insurance is not cheap, but you may qualify for discounts that could drop your premiums quite a bit. Some discounts will apply when you quote, but some may not be applied and must be manually applied before you get the savings.Car insurance discounts

One thing to note about discounts is that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, that’s just not realistic. Any amount of discount will positively reduce your car insurance premiums.

The example below shows the comparison of Dodge Charger auto insurance rates with and without discounts applied to the premium. The rates are based on a female driver, no claims or violations, Louisiana state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, homeowner, marriage, and multi-policy discounts applied.

The best car insurance companies and some of their more popular discounts can be read below.

If you need cheaper New Orleans auto insurance quotes, ask every company the best way to save money. Savings may not apply to policies in New Orleans.

Compare rates but work with a neighborhood New Orleans auto insurance agent

A small number of people just want to talk to a local agent and that is just fine! Agents can help you build your policy and help in the event of a claim. A good thing about comparing insurance prices online is you can get cheap rate quotes and still choose a local agent. Supporting small agencies is still important in New Orleans.

Find insurance agent in New OrleansTo find an agent, once you fill out this short form, the quote information is emailed to insurance agents in New Orleans who will give competitive quotes for your car insurance coverage. You don’t have to drive around due to the fact that quote results will go to your email. If you want to quote rates for a specific company, just navigate to their website and complete a quote there.

Pick the best auto insurance agent in New Orleans for you

When looking for a good insurance agency, you must know there are a couple different types of agencies and how they can write your policy. Car insurance policy providers are considered either independent agents or exclusive agents. Either one can insure your vehicles, but it’s worth learning the difference between them because it may have an impact on which type of agent you select.

Independent Car Insurance Agencies or Brokers

Agents that choose to be independent do not work for one specific company so as a result can place your coverage with a variety of different insurance companies and help determine which has the cheapest rates. If they find a cheaper price, they can switch companies in-house and that require little work on your part.

If you need lower rates, it’s recommended you compare quotes from a couple of independent agencies to ensure the widest selection of prices.

Shown below is a list of independent insurance agents in New Orleans who may provide comparison quotes.

101 W Robert E Lee Blvd #405New Orleans, LA 70124(504) 535-7755View Map

3239 Bienville StNew Orleans, LA 70119(504) 371-5519View Map

4700 Orleans AveNew Orleans, LA 70119(504) 486-6133View Map

View more agents

Exclusive Insurance Agencies

Exclusive agents can only provide one company’s prices and examples are AAA, Allstate, and State Farm. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agencies are well trained on their company’s products which helps offset the inability to provide other markets.

Shown below are New Orleans exclusive agents willing to provide comparison quotes.

13040 I- 10 Service RdNew Orleans, LA 70128(504) 218-1586View Map

4611 S Carrollton AveNew Orleans, LA 70119(504) 313-5498View Map

4006 Canal StNew Orleans, LA 70119(504) 517-9080View Map

View more agents

Picking an auto insurance agent is decision based upon more than just the bottom line cost. The questions below may impact your decision as well.

Persistence will pay off

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped physical damage coverage to discover at claim time that it was a big mistake. Your goal should be to buy enough coverage for the lowest price but still have enough coverage for asset protection.

More affordable car insurance in New Orleans is attainable both online and with local New Orleans insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not provide online quoting and usually these smaller providers only sell through local independent agents.

How to save money on Dodge Charger insurance in New Orleans

The recommended way to get low-cost auto insurance rates is to compare prices once a year from different companies who provide auto insurance in New Orleans. You can shop around by following these steps.

  1. Read and learn about auto insurance and the factors you can control to prevent expensive coverage. Many things that are responsible for high rates such as high-risk driving behaviors and a low credit score can be improved by making minor changes to your lifestyle.
  2. Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can provide price quotes from many different companies.
  3. Compare the new rate quotes to your current policy premium and determine if cheaper Charger coverage is available in New Orleans. If you can save some money and change companies, make sure coverage is continuous and does not lapse.

An important part of this process is to make sure you enter the same liability limits and deductibles on each price quote and and to get rate quotes from as many different companies as possible. This enables the most accurate price comparison and a better comparison of the market.

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