Best Dodge Charger Insurance in Oakland

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Insurance for Dodge ChargerIt's safe to conclude that car insurance companies don't want you to look for a cheaper policy. People who rate shop once a year will most likely switch companies because there are good odds of finding a lower-priced company. A recent survey discovered that drivers who routinely shopped for cheaper coverage saved an average of $72 a month compared to drivers who don't make a habit of comparing rates.

If finding the lowest rates on Dodge Charger insurance in Oakland is your goal, knowing how to shop for car insurance can help you succeed in finding affordable rates.

The preferred way to get budget Dodge Charger insurance is to start comparing prices yearly from companies who sell auto insurance in Oakland.

  • First, take a few minutes and learn about how insurance companies determine prices and the modifications you can make to prevent high rates. Many risk factors that result in higher prices like getting speeding tickets and poor credit history can be remedied by paying attention to minor details. This article gives more information to help keep prices low and earn larger discounts.
  • Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like Progressive or Allstate, while independent agents can provide price quotes for many different companies.
  • Third, compare the new rate quotes to your existing policy to determine if switching companies saves money. If you can save money, verify that coverage does not lapse between policies.

A good piece of advice is that you'll want to compare the same level of coverage on each price quote and and to get prices from as many auto insurance providers as possible. Doing this guarantees a fair rate comparison and a thorough price selection.

How much is Dodge Charger insurance in Oakland, CA?

To find affordable Dodge Charger insurance quotes, there are several ways to compare quotes from different companies. The fastest way to find affordable Dodge Charger insurance rates involves getting comparison quotes online.

It's important to know that more quotes increases the chance that you will find better pricing. Some regional insurers cannot provide online rate quotes, so you need to compare rates from them as well.

The companies in the list below are ready to provide quotes in California. If you want to find the cheapest auto insurance in Oakland, we recommend you visit several of them to get the best price comparison.

Coverage statistics and figures

The table displayed below showcases a range of insurance rates for Dodge Charger models. Understanding more about how car insurance premiums are figured is important to be able to make informed decisions.

Dodge Charger Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Charger 3.5 $412 $766 $718 $42 $214 $2,152 $179
Charger $412 $766 $718 $42 $214 $2,152 $179
Charger AWD $412 $766 $718 $42 $214 $2,152 $179
Charger 3.5 AWD $412 $766 $718 $42 $214 $2,152 $179
Charger SXT $412 $766 $718 $42 $214 $2,152 $179
Charger SXT AWD $412 $766 $718 $42 $214 $2,152 $179
Charger Rallye $412 $766 $718 $42 $214 $2,152 $179
Charger R/T $412 $882 $718 $42 $214 $2,268 $189
Charger Rallye AWD $412 $882 $718 $42 $214 $2,268 $189
Charger R/T AWD $454 $882 $718 $42 $214 $2,310 $193
Charger SRT-8 $454 $882 $718 $42 $214 $2,310 $193
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in specific zip code location which can raise or lower prices greatly.

Can higher deductibles save money?

A question often asked by Oakland drivers is which deductible level should you buy. The figures shown below show the price difference of buying low and high physical damage deductibles. The first data set uses a $250 physical damage deductible and the second data table 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
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in zip code location which can decrease or increase auto insurance rates greatly.

Based on the figures above, using a $250 deductible costs roughly $38 more each month or $456 each year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 20 months between claim filings, you would come out ahead by selecting a higher deductible.

The illustration below shows how choosing a deductible and can affect Dodge Charger yearly insurance costs for different age groups. The prices are based on a single male driver, full coverage, and no other discounts are factored in.

Dodge Charger insurance costs by age and gender

The illustration below compares Dodge Charger auto insurance costs for male and female drivers. The data assumes no claims or driving citations, comp and collision included, $500 deductibles, marital status is single, and no policy discounts are applied.

Price comparison of only insuring for liability

The information below shows the difference between Dodge Charger yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The prices are based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are factored in.

When to stop buying physical damage coverage

There is no clear-cut rule to stop paying for full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let's say your Dodge Charger settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $8,000 after paying your policy deductible. If you are currently paying more than $800 a year for full coverage, then it might be time to consider dropping full coverage.

There are some situations where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Lower-cost Dodge Charger insurance quotes in Oakland

Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Many discounts should be triggered when you complete an application, but a few need to be asked about before you will receive the discount.Cheaper car insurance with discounts

  • Student Discounts - Performing well in school could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
  • ABS and Traction Control Discounts - Vehicles with ABS and/or traction control prevent accidents and qualify for as much as a 10% discount.
  • Paperwork-free - Many companies will give a small break for buying a policy and signing up on the web.
  • Student Discount for Driver Training - Have your child enroll in driver's education if it's offered in school.
  • Anti-theft Discount - Anti-theft and alarm system equipped vehicles help deter theft and therefore earn up to a 10% discount.
  • Oakland Homeowners Discount - Just being a homeowner can save a few bucks due to the fact that maintaining a home requires personal responsibility.
  • Resident Student - Children who live away from home at college and don't have a car can be insured at a reduced rate.
  • No Claim Discounts - Good drivers with no accidents can save substantially when compared with policyholders that have many claims.

As a sidenote, some credits don't apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you aren't that lucky.

The chart below illustrates the difference between Dodge Charger car insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, safe-driver, marriage, and homeowner discounts applied.

Companies and their possible discounts can be found below.

  • Farm Bureau offers discounts including good student, 55 and retired, multi-policy, youthful driver, multi-vehicle, renewal discount, and driver training.
  • MetLife discounts include claim-free, good student, defensive driver, good driver, and accident-free.
  • Progressive offers discounts for homeowner, continuous coverage, good student, online quote discount, online signing, and multi-policy.
  • AAA may have discounts that include education and occupation, multi-policy, good driver, anti-theft, multi-car, and pay-in-full.
  • American Family has discounts for defensive driver, good student, bundled insurance, accident-free, good driver, and TimeAway discount.
  • GEICO has savings for anti-lock brakes, defensive driver, air bags, anti-theft, five-year accident-free, multi-policy, and seat belt use.
  • State Farm may include discounts for accident-free, safe vehicle, student away at school, defensive driving training, passive restraint, and multiple policy.

When comparing rates, check with every prospective company the best way to save money. Depending on the company, some discounts might not apply in your area.

Why auto insurance is not optional

Despite the high cost of buying insurance for a Dodge Charger in Oakland, buying auto insurance is required in California but it also protects you in many ways.

  • Just about all states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your vehicle has a loan, it's guaranteed your bank will stipulate that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender will be forced to insure your Dodge at a much higher premium rate and force you to pay the higher premium.
  • Auto insurance preserves your Dodge and your assets. Insurance will pay for most medical and hospital costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of buying enough insurance more than cancel out the cost, particularly for liability claims. An average driver in America overpays more than $830 a year so it's recommended you shop around every year to help ensure money is not being wasted.

Best car insurance company in California

Choosing the right auto insurance provider is difficult considering how many companies sell insurance in Oakland. The company rank data shown next could help you analyze which car insurance companies you want to consider putting your business with.

Top 10 Oakland Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top 10 Oakland Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Do I need special coverages?

Keep in mind that when it comes to choosing a policy for your personal vehicles, there really is no single plan that fits everyone. You are unique so your insurance should reflect thatSafe vehicles cost less to insure Here are some questions about coverages that may help you determine whether or not you might need an agent's assistance.

  • What states are considered no-fault?
  • When should I buy a commercial auto policy?
  • If my pet gets injured in an accident are they covered?
  • What exactly is covered by my policy?
  • Why am I required to get a high-risk car insurance policy?
  • Is water damage covered by my policy?
  • Will damage be repaired with OEM parts?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Local neighborhood agents and auto insurance

Certain consumers still like to sit down and talk to an agent and that is recommended in a lot of cases One of the best bonuses of comparing auto insurance online is that you can obtain cheaper prices and still buy from a local agent. Buying insurance from local insurance agencies is still important in Oakland.

Insurance agency in OaklandAfter completing this quick form, the coverage information is sent to insurance agents in Oakland who will return price quotes and help you find cheaper coverage. You won't need to contact any agents because prices are sent to you. Get lower rates and work with a local agent. If you have a need to get a rate quote from a particular provider, feel free to find their quoting web page to submit a rate quote request.

Two types of auto insurance agents

If you would like to find a good Oakland insurance agent, it's helpful to know the different types of agencies that you can select. Oakland agents are categorized either independent or exclusive.

Independent Insurance Agents

These type of agents can sell policies from many different companies so they can quote policies with lots of companies and find you the best rates. If they quote lower rates, your agent can just switch to a different company and that require little work on your part.

If you are comparing auto insurance prices, it's recommended you compare prices from a few independent agents to have the most options to choose from. Many write coverage with companies that do not advertise much that many times have cheaper rates.

The following are independent agents in Oakland who may provide free rate quotes.

More insurance agents

Exclusive Auto Insurance Agents

These agents can usually just insure with one company like Allstate and State Farm. Exclusive agents cannot place coverage with different providers so it's a take it or leave it situation. Exclusive agencies are very knowledgeable on their company's products which helps overcome the inability to quote other rates. Some insured continue to buy from exclusive agents mainly due to the brand name and strong financial ratings.

Below are Oakland exclusive insurance agencies that can give you rate quotes.

More insurance agents

Finding a good insurance agency requires you to look at more than just the price. The questions below may impact your decision as well.

  • Are there any discounts for paying up front?
  • Is the agency active in community causes in Oakland?
  • Do they offer accident forgiveness?
  • How many years have they been established?
  • Are they giving you every discount you deserve?
  • Does the agency have a positive business rating?
  • Do they specialize in personal lines auto insurance in Oakland?
  • Will the company cover a rental car if your car is getting fixed?

Detailed coverages of your auto insurance policy

Learning about specific coverages of your auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average auto insurance policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses like surgery, ambulance fees and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability

This will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people's claims, and doesn't cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/5 that translate to $15,000 in coverage for each person's injuries, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like legal defense fees, structural damage, medical services and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it's cheap coverage so purchase higher limits if possible. California state minimum liability requirements are 15/30/5 but drivers should carry more liability than the minimum.

The illustration below demonstrates why buying low liability limits may not provide adequate coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Charger.

Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a ditch, crashing into a building, scraping a guard rail, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible on your Charger to bring the cost down.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, damage from a tornado or hurricane, rock chips in glass, a broken windshield and damage from getting keyed. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.