2017 Dodge Challenger Insurance Cost – 9 Ways to Save

Want lower car insurance rates for your Dodge Challenger? Pretty sure you bought an overpriced car insurance policy? Believe me when I say many drivers have buyer’s remorse.

Popular companies such as GEICO, Farmers Insurance and State Farm all claim big savings with advertising and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

It is always a good idea to quote other rates every six months since prices are variable and change quite frequently. Just because you had the best rate for Challenger insurance on your last policy there may be better deals available now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the things you must know in order to eliminate unnecessary coverages and save money.

How to get insurance coverage quotes

There are several ways to compare rate quotes from companies that offer insurance coverage in your state. One of the best ways to find affordable Dodge Challenger insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the simplest ways to get quotes would be an industry-wide quote request form click here to open form in new window. This style of form prevents you from having to do repetitive form entry for every company. Filling out one form gets insurance cost estimates instantly.
  2. Another way to compare rate quotes is to take the time to go to each company’s website to request a price quote. For sake of this example, let’s say you want to compare prices for Allstate, Esurance and State Farm. You would be required to spend time going to each site individually and enter your information, which is why first method is reommended.

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

Whichever way you use, double check that you are using identical coverage data for each quote you get. If you compare mixed coverages then you won’t be able to make a fair rate comparison. Slightly different limits could skew the results. And when comparing insurance coverage rates, know that comparing more rates from different companies increases your odds of finding a better price.

Don’t believe everything you hear

Insurance providers like Allstate, GEICO and Progressive seem to constantly run ads on television and other media. They all seem to state the claim that people will save if you get a free insurance coverage quote and switch your policy. How does every company charge you a lower premium? It’s all in the numbers.

Most companies quote their cheapest rates for the type of driver that earns them the most money. For instance, a preferred risk could possibly be between the ages of 30 and 45, has no claims, and drives a car with an anti-theft system. Any customer who meets those qualifications receive the lowest rate quotes and most likely will save a lot of money.

Potential customers who don’t qualify for this ideal profile will be charged higher rates with the end result being the customer buying from someone else. The wording the ads use say “drivers who switch” not “everyone that quotes” can get the lowest rates when switching. That is how insurance companies can make the claims of big savings. Because every company is different, it’s extremely important to compare free insurance coverage quotes often. It is just not possible to predict which company will have better premium rates than you’re paying now.

You may qualify for discounts

Buying car insurance is not cheap, but you can get discounts that could drop your premiums quite a bit. Certain reductions will be credited when you get a quote, but some must be inquired about before you will receive the discount.

  • Early Renewal Discounts – Select insurance companies give a discount for switching to them prior to your current policy expiration. It could save around 10% when you buy insurance coverage online.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course as it can save substantially.
  • Multi-Vehicle Discounts – Drivers who insure more than one vehicle with the same company can reduce rates for all insured vehicles.
  • Low Mileage – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Defensive Driver Discount – Passing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Discounts for New Vehicles – Putting insurance coverage on a new car can save you some money since new vehicles are generally safer.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save a little on the premium charged for medical payments and/or PIP.
  • Membership in Organizations – Affiliation with a qualifying organization could qualify you for a break on your policy.
  • Discount for Life Insurance – Some insurance companies give a lower premium rate if you buy some life insurance too.

Policy discounts save money, but some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

If you would like to choose from a list of insurance companies with the best discounts, click here to view.

There’s no such thing as the perfect insurance policy

When it comes to buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. For example, these questions can help discover if your insurance needs could use an agent’s help.

  • Are rental cars covered under my policy?
  • How much liability insurance is required?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I have coverage when using my vehicle for my home business?
  • How do I file an SR-22 for a DUI in my state?
  • What is the ISO rating for a 2017 Dodge Challenger?
  • Can I drive in Mexico and have coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • How do I buy GAP insurance?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Coverage specifics

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your 2017 Dodge Challenger.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for liability – This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as pain and suffering, legal defense fees, medical services and funeral expenses. How much coverage you buy is your choice, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like surgery, hospital visits and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, falling objects and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – Collision insurance pays for damage to your Challenger from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Never pay more for less

Some insurance coverage companies may not have rates over the internet and many times these small insurance companies only sell through independent agencies. Low-cost 2017 Dodge Challenger insurance can be purchased from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money.

Throughout this article, we presented a lot of techniques to reduce 2017 Dodge Challenger insurance rates online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may be surprised to find that the most savings is with some of the smallest insurance companies. Some small companies often have lower car insurance rates on specific markets compared to the large companies like Progressive and GEICO.

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