Affordable Rates for Dodge Charger Insurance in Seattle

Would you like to find more affordable Dodge Charger insurance in Seattle? Finding cheaper insurance for your Dodge Charger in Washington can turn out to be difficult, but you can use the following methods to save time. There is a better way to compare auto insurance rates and we’ll show you the best way to quote coverages on a Dodge and find the lowest possible price from Seattle insurance agents and online providers.

Cheap Seattle insurance rates with discounts

Companies offering auto insurance don’t always list all discounts very well, so we break down some of the best known in addition to some of the lesser obvious ways to save on insurance. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

• One Accident Forgiven – Not really a discount, but certain companies permit an accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off the medical payments premium.
• Senior Citizen Rates – If you’re over the age of 55, you are able to get a small discount on rates.
• Renewal Discounts – Some larger companies give discounts for switching policies before your current coverage expires. Ten percent is about the average savings.
• Auto/Life Discount – Select insurance carriers reward you with a discount if you purchase life insurance.
• Driver Education Discount – Require your teen driver to successfully take a driver’s education course if offered at their school.
• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles on the same insurance policy can reduce the rates for all insured vehicles.
• Discount for Good Grades – Getting good grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.

You should keep in mind that many deductions do not apply to the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. So when it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Insurance companies that have these benefits include:

• State Farm
• GEICO
• SAFECO
• Farmers Insurance
• AAA
• USAA

Before purchasing a policy, check with all companies you are considering how many discounts you can get. Some of the earlier mentioned discounts might not be available to policyholders in every state. To choose insurers with the best Dodge Charger insurance discounts in Washington, follow this link.

Most companies such as State Farm, GEICO and Progressive allow consumers to get prices on their websites. Getting quotes for Dodge Charger insurance in Seattle can be done by anyone as you just type in your required coverages as detailed in the form. After you submit the form their rating system orders your driving record and credit report and quotes a price based on these factors.

This makes it a lot easier to compare rates and it’s also necessary to do this if you are searching for cheaper rates.

To save time and compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you replicate coverages and limits just like they are on your policy. Doing this assures you will have a price comparison for the exact same coverage.

The companies shown below have been selected to offer price comparisons in Washington. If multiple providers are shown, we recommend you get rate quotes from several of them in order to get a fair rate comparison.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can change price quotes greatly.

Higher deductibles lower rates

A question often asked by Seattle drivers is which comprehensive and collision deductibles to buy. The comparison tables below can help you visualize the costs and benefits between low and high physical damage deductibles. The first data table uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in garaging location in Seattle which can raise or lower coverage prices significantly.

Based on this data, using a $100 deductible will cost you about $25 more each month or $300 each year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 16 months between claims, you would probably come out ahead going with the higher deductible.

Physical damage deductible comparison

The example below demonstrates how choosing different deductibles and can influence Dodge Charger premium costs for different ages of insureds. The premiums assume a single male driver, full coverage, and no policy discounts are applied.

Rate increases following a ticket or accident

The diagram below demonstrates how citations and at-fault accidents can raise Dodge Charger yearly insurance costs for different ages of insureds. The data is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Insurance quotes from local Seattle insurance agents

Certain consumers prefer to get professional advice from a licensed agent and that can be a great decision Professional agents can help determine the best coverages and will help you if you have claims. One of the benefits of comparing rate quotes online is that you can obtain the lowest rates but still work with a licensed agent.

After filling out this form (opens in new window), your insurance coverage information is immediately sent to agents in your area that can provide free Seattle car insurance quotes and help you find cheaper coverage. There is no reason to find an agent because prices are sent to your email. If you need to get a price quote from a specific company, you would need to jump over to their website and fill out their quote form.

Picking an company shouldn’t rely on just the bottom line cost. The following questions are important to ask.

• Are there any discounts that you might be missing?
• Do they regularly work with personal auto policies in Seattle?
• Are all drivers listed on the coverage quote?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Is the coverage adequate for your vehicle?
• Do they receive special compensation for putting your coverage with one company over another?

Insurance agent types

If you are searching for a reliable insurance agent, you should know the types of agencies and how they can service your needs differently. Seattle agents can be classified as either exclusive or independent (non-exclusive). Both handle insurance, but it’s worth mentioning the difference in the companies they write for since it can affect which type of agent you select.

Exclusive Agents

Agents that elect to be exclusive can only place business with one company like AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on what they offer which helps offset the inability to provide other markets. Drivers often purchase coverage from exclusives primarily because of the brand instead of buying on price only.

Below is a short list of exclusive insurance agents in Seattle who may provide you with price quotes.

• Charles Cohen – State Farm Insurance Agent
  9750 Greenwood Ave N #104 – Seattle, WA 98103 – (206) 784-5151 – View Map
• Allstate Insurance: Josh Boender
  4453 California Ave SW – Seattle, WA 98116 – (206) 932-2191 – View Map
• Andy Hubbard – State Farm Insurance Agent
  1515 NW 52nd St a – Seattle, WA 98107 – (206) 789-4211 – View Map

More insurance agents

Independent Agencies or Brokers

These agents are not required to write business for one company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. If your premiums go up, an independent agent can move your coverage and you won’t have to switch agencies. If you are trying to find cheaper rates, you should always compare prices from several independent agencies in order to have the best price comparison. Most independent agents also contract with lesser-known insurance companies that may have much lower rates than larger companies.

Listed below are Seattle independent insurance agencies that can give you price quotes.

• Secord Agency Insurance
  265 NE 45th St – Seattle, WA 98105 – (206) 783-4024 – View Map
• Sound Insurance Agency, Inc.
  9627 Aurora Ave N – Seattle, WA 98103 – (206) 527-0888 – View Map
• Propel Insurance: Marinkovich Stephen
  925 4th Ave #3200 – Seattle, WA 98104 – (206) 676-4216 – View Map

More insurance agents

If you feel you receive reasonable responses to any questions you have as well as a affordable price, it’s a good possibility that you have found an insurance agent that meets the requirements to adequately provide insurance. It’s important to know that consumers can cancel a policy at any point so never feel that you’re stuck with your new company indefinitely.

Smart consumers save more

We just presented many ideas to find lower-cost Dodge Charger insurance in Seattle. The key thing to remember is the more you quote Seattle car insurance, the higher the chance of saving money. Consumers may even find the best premium rates are with some of the lesser-known companies.

When searching for low cost Seattle car insurance quotes, do not skimp on coverage in order to save money. There are a lot of situations where an insured cut full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

Cost effective Dodge Charger insurance can be found online and from local agencies, so get free Seattle car insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies don’t offer online rate quotes and these small, regional companies prefer to sell through independent insurance agents.

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