The preferred way to find low-cost car insurance rates in Baltimore is to regularly compare prices from insurers who can sell car insurance in Maryland. Drivers can shop around by following these steps.
Step 1: Try to understand what is in your policy and the steps you can take to prevent expensive coverage. Many factors that result in higher prices like accidents, traffic tickets, and poor credit history can be controlled by making minor changes in your lifestyle. This article gives tips to help keep rates affordable and find possible discounts that are available.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agencies can give you price quotes from multiple insurance companies.
Step 3: Compare the price quotes to your existing coverage to see if cheaper Charger coverage is available. If you can save money and switch companies, make sure coverage does not lapse between policies.
Step 4: Tell your current company of your intention to cancel the current policy and submit the application along with any required down payment for your new policy. Once received, store the certificate verifying coverage in your vehicle.
The most important part of shopping around is to make sure you enter the same coverage limits and deductibles on every quote and and to get prices from as many auto insurance providers as possible. This ensures a level playing field and a complete selection of prices.
Unthinkable but true, over 70% of drivers kept their policy with the same company for well over three years, and just under half have never compared auto insurance rates at all. With the average auto insurance premium being $1,490, Baltimore drivers can save as much as $750 each year just by comparing rates, but they won’t spend time to compare rates online.
If you have auto insurance now, you should be able to get lower rates using the concepts you’re about to learn. Locating the most cost-effective auto insurance policy in Baltimore is much easier if you know where to start. Although Maryland vehicle owners benefit from understanding how the larger insurance companies determine prices because rates fluctuate considerably.
Best companies for cheap Dodge Charger insurance in Maryland
The providers in the list below provide free quotes in Maryland. In order to find cheap car insurance in Baltimore, MD, we recommend you visit several of them in order to find the most competitive rates.
Dodge Charger insurance rates and statistics
The data table displayed below covers estimates of coverage costs for Dodge Charger models. Learning a little about how auto insurance policy rates are established can be of help when making decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Charger 3.5 AWD||$356||$618||$686||$40||$206||$1,906||$159|
|Charger SXT AWD||$356||$618||$686||$40||$206||$1,906||$159|
|Charger Rallye AWD||$356||$712||$686||$40||$206||$2,000||$167|
|Charger R/T AWD||$392||$712||$686||$40||$206||$2,036||$170|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in Baltimore location which can impact rates noticeably.
The information below illustrates how choosing a deductible and can change Dodge Charger insurance prices for each different age group. The price estimates are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
Auto insurance rates based on gender
The illustration below visualizes the comparison of Dodge Charger insurance costs for male and female drivers. The premiums assume a clean driving record, no claims, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are factored in.
Get lower-cost Dodge Charger insurance in Baltimore with discounts
Car insurance companies do not advertise every policy discount in an easy-to-find place, so we took the time to find both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.
- Discounts for Multiple Vehicles – Buying coverage for multiple cars or trucks with one company may reduce the rate for each vehicle.
- E-sign Discounts – Some larger companies will give you a small discount for completing your application digitally online.
- Cautious Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates than drivers with accidents.
- Early Switch Discount – Some insurance companies provide a discount for buying a policy before your current Charger insurance policy expires. This can save 10% or more.
- Payment Discounts – By paying your policy upfront rather than spreading payments over time you may have a lower total premium amount.
- Accident Forgiveness – This one isn’t a discount, but companies like Allstate and GEICO permit an accident before they charge you more for coverage if you have no claims before the accident.
- Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
- Membership in Organizations – Belonging to qualifying clubs or civic groups is a simple method to lower premiums on your bill.
- Telematics Devices – Drivers who elect to allow companies to spy on where and when they drive remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as they are good drivers.
Policy discounts save money, but most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you aren’t that lucky. But all discounts will cut your policy premiums.
The illustration below visualizes the comparison of Dodge Charger insurance costs with and without some available policy discounts. Data assumes a male driver, no claims or driving citations, Maryland state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, marriage, and multi-car discounts applied.
A few companies that may offer policyholders these discounts may include but are not limited to:
When getting a coverage quote, ask every insurance company how many discounts you can get. Savings might not apply everywhere.
Insurance agent or online?
Some consumers still like to go talk to an agent and we recommend doing that One of the great benefits of comparing rate quotes online is that drivers can save money and get lower rates and still have a local agent. And supporting local agents is especially important in Baltimore.
By using this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents in Baltimore who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your computer as quotes are delivered to you. You can find lower rates and work with a local agent. If for some reason you want to quote rates from one company in particular, you would need to find their quoting web page and give them your coverage information.
Exclusive and independent Baltimore auto insurance agents
When narrowing the list to find a local agent, you should know the types of insurance agents and how they are slightly different. Car insurance agents in Baltimore are either exclusive or independent.
Agents of this type do not work for one specific company and that allows them to write policies with an assortment of companies and get the cheapest rates. If they find a lower price, your agent can switch companies and you stay with the same agent. When comparing car insurance rates, you definitely need to include price quotes from multiple independent agents to ensure the widest selection of prices.
Shown below is a small list of independent agencies in Baltimore who can help you get price quote information.
Exclusive Car Insurance Agencies
Agents in the exclusive channel can only provide pricing for a single company such as Allstate, Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so they really need to provide good service. Exclusive agents receive extensive training on their company’s products and that allows them to sell at a higher price point.
Shown below are exclusive insurance agents in Baltimore that can give you price quotes.
Picking the best auto insurance agent should include more criteria than just a cheap quote. The questions below may impact your decision as well.
- In the event of vehicle damage, can you pick the collision repair facility?
- Does the agency have a current Errors and Omissions policy?
- Does the agent help file claims?
- Are claim adjusters local or do you have to take your car somewhere else?
- What is the agency’s Better Business Bureau rating?
- What insurance companies do they work with in Baltimore?
- Does the company have a solid financial rating?
- Does the agency provide any after hours assistance?
Baltimore car insurance company ratings
Choosing the right company is hard considering how many choices you have in Maryland. The company ratings shown below may help you select which car insurance providers to look at comparing rate quotes with.
Top 10 Baltimore Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Baltimore Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Car insurance coverage information
Understanding the coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from car insurance companies.
Coverage for medical payments
Med pay and PIP coverage reimburse you for expenses such as X-ray expenses, prosthetic devices, pain medications and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Collision insurance covers damage to your Charger resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as scraping a guard rail, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible on your Charger to save money on collision insurance.
Uninsured and underinsured coverage
Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Charger.
Since many Maryland drivers have only the minimum liability required by law (Maryland limits are 30/60/15), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.
This protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 30/60/15 which stand for a $30,000 limit per person for injuries, a limit of $60,000 in injury protection per accident, and a total limit of $15,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.
Liability coverage protects against things like legal defense fees, bail bonds, structural damage and funeral expenses. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible. Maryland state minimum liability requirements are 30/60/15 but you should think about purchasing more liability than the minimum.
The next chart shows why buying low liability limits may not be enough coverage.
Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as rock chips in glass, a broken windshield and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Cheaper car insurance rates are possible
Some car insurance companies do not offer the ability to get quotes online and many times these small insurance companies only sell coverage through independent agents. Budget-conscious Dodge Charger insurance is definitely available online and also from your neighborhood Baltimore agents, so you need to compare both so you have a total pricing picture.
When getting Baltimore auto insurance quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice collision coverage and learned later that it was a big error on their part. Your goal should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.
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