Cheaper 2009 Dodge Challenger Insurance Quotes

Buyers have many options when searching for the best price on Dodge Challenger insurance. You can either waste hours contacting agents to compare prices or utilize the internet to make rate comparisons. There is a better way to compare car insurance rates so we’re going to tell you the quickest way to quote coverages for a new or used Dodge and obtain the cheapest rates from local insurance agents and online providers.

It’s a good idea to shop coverage around once or twice a year because prices change quite often. Even if you got the lowest rates for Challenger insurance two years ago a different company probably has better rates today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to quote online to eliminate unnecessary coverages and save money.

If you are insured now or need a new policy, you can use these tips to shop for the lowest rates and possibly find even better coverage. This information will instruct you on how to effectively get price quotes and some money-saving tips. Vehicle owners only need to know the best way to compare prices online.

How to Compare Car Insurance Rates

Most major insurance companies like 21st Century, Allstate and State Farm allow you to get coverage price quotes on the web. Obtaining pricing is quite simple as you just enter the coverages you want into a form. After you complete the form, their rating system orders information on your driving record and credit history and returns pricing information based on these and other factors.

This simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to do this if you want to find better prices.

A more efficient way to compare rates requires only one form that obtains quotes from a lot of companies. It saves time, eliminates form submissions, and makes online quotes much simpler. As soon as the form is sent, your coverage is rated and you can choose any of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It can be completed in less than 10 minutes and you will know how your current rates stack up.

To save time and compare rates using this form now, click here to open in new window and submit the form. If you have coverage now, it’s recommended you replicate deductibles and limits just like they are on your policy. This makes sure you will be getting rate quotes for similar coverage.

Discounts are basically free money

Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so we break down some of the more common and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Multi-car Discount – Insuring more than one vehicle on the same insurance policy could earn a price break for each car.
  • Student Driver Training – Require your teen driver to take driver’s ed class if offered at their school.
  • Paperless Signup – Certain companies may give you up to $50 for buying your policy digitally online.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Accident Free – Drivers who don’t have accidents can save substantially compared to frequent claim filers.
  • Senior Discount – Mature drivers may be able to get reduced rates for Challenger insurance.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.

Drivers should understand that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that may have some of the above discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Discounts might not apply in your area.

Which insurance is the “right” coverage?

When buying coverage, there is no one size fits all plan. Each situation is unique.

For instance, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Do I need an umbrella policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I pay less if my vehicle is kept in my garage?
  • Can my babysitter drive my car?
  • How many claims can I have before being cancelled?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need PIP (personal injury protection) coverage in my state?
  • When should I drop full coverage on my 2009 Dodge Challenger?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Insurance policy coverages for a Dodge Challenger

Having a good grasp of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Auto liability insurance

Liability coverage can cover damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like court costs, structural damage, medical expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, hail damage and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses such as EMT expenses, prosthetic devices and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Challenger.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.