Lower Your 2008 Dodge Challenger Insurance Quotes

Shoppers have many options when shopping for affordable Dodge Challenger insurance. They can either spend hours driving around getting price quotes or utilize the internet to make rate comparisons. There are both good and bad ways to compare auto insurance rates and we’ll show you the absolute fastest way to get price quotes for a new or used Dodge and obtain the lowest price either online or from local insurance agents.

Consumers should take time to do rate comparisons on a regular basis since rates are constantly changing. Just because you found the best price on Challenger insurance six months ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding auto insurance on the web, but I’m going to show you the easiest ways to reduce your auto insurance bill.

Compare the Market for Car Insurance

Cutting your car insurance rates is not rocket science. You just have to invest a few minutes to compare rate quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  • The single most time-saving way to get quotes would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing separate quote forms for every car insurance company. One form will return quotes direct from many companies. This is perfect if you don’t have a lot of time.
  • A more difficult way to shop for car insurance online consists of going to the website for each individual company to complete their respective quote request forms. For example, let’s assume you want rates from Progressive, Esurance and American Family. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make darn sure you compare identical coverage limits for every company. If you enter different values for each quote it’s not possible to decipher which rate is best.

Do I just need basic coverages?

When buying adequate coverage, there is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help highlight if you will benefit from professional help.

  • Are rock chip repairs covered?
  • When can my company non-renew my policy?
  • Who is covered by my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Who is covered when they drive my 2008 Dodge Challenger?
  • Should I buy full coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Insurance coverages 101

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like funeral costs, ambulance fees, nursing services, dental work and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability auto insurance

This coverage protects you from damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like structural damage, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Dodge Challenger.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, sustaining damage from a pot hole, colliding with a tree, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, damage from a tornado or hurricane, vandalism, fire damage and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.