Compare 2018 Dodge Challenger Insurance Cost

Searching for better auto insurance rates for your Dodge Challenger? Locating better insurance prices for your Dodge Challenger can turn out to be difficult, but you can use the following methods to make it easier. There is a better way to find auto insurance online so you’re going to learn the best way to get price quotes on a Dodge and find the lowest possible price from local insurance agents and online providers.

How to buy insurance coverage online

Most larger insurance companies allow you to get insurance quotes online. This process is pretty easy as you simply enter the coverage amounts you desire as detailed in the form. Behind the scenes, their rating system will order your driving record and credit report and generates a price based on these factors.

This makes it simple to compare prices but the time required to go to different websites and enter the same data into a form is a waste of time. But it’s also necessary to do this in order to get the lowest insurance coverage rates.

The better way to compare rates

The smarter way to get multiple rate quotes requires only one form to obtain quotes from more than one company. It’s a real time-saver, eliminates repetitive work, and makes online quotes much easier to do. Immediately after you send the form, it is quoted and you are able to buy any one of the pricing results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The entire process takes just a few minutes to complete and may save quite a bit of money.

In order to compare pricing, simply click here to open in new window and fill out the form. To compare your current rates, we recommend that you enter as shown on your current policy. This way, you are getting comparison quotes using the same coverage and limits.

Big names are not always cheapest

Drivers can’t avoid all the ads that claim the cheapest car insurance rates by companies like Allstate, Geico and Progressive. All the ads convey the message that you’ll save big just by switching your insurance coverage coverage to their company.

How can each company give you a lower rate?

Many companies look for specific characteristics for the type of customer that will be a good risk. An example of a profitable customer may need to be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. Any driver that hits that “sweet spot” gets the lowest car insurance rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t measure up to these stringent criteria will be quoted a higher rate and the customer not purchasing. The trick is to say “drivers who switch” not “all people who quote” save that much. That’s the way insurance companies can make it sound like they have such great rates. That is why you absolutely need to do a rate comparison at every renewal. Because you never know with any certainty which company will have the lowest rates.

Eight things that determine your insurance premiums

A large part of saving on auto insurance is knowing some of the elements that play a part in calculating your auto insurance rates. If you have a feel for what determines base rates, this enables you to make decisions that can help you get cheaper rates.

  • You might have higher costs if you are single – Having a wife or husband can get you a discount on your auto insurance bill. Having a significant other is viewed as being more responsible and insurance companies reward insureds because being married results in fewer claims.
  • Always keep your auto insurance policy in place – Driving with no insurance is not a good idea and auto insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a license revocation or jail time.
  • Prices may be lower depending on your employer – Careers like military personnel, executives and accountants usually pay higher rates than average due to intense work-related stress and incredibly demanding work hours. On the other hand, jobs like actors, athletes and homemakers pay lower than average rates on Challenger insurance.
  • Buy a safe car and pay less – Cars with high safety ratings get lower rates. Highly rated vehicles have better occupant injury protection and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders. If your Dodge Challenger has at least four stars on Safercar.gov it is probably cheaper to insure.
  • High coverage deductibles equal low rates – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some coverage claims are running into the backend of another car, collision with an animal, or theft. Deductibles for physical damage define how much you are willing to pay out-of-pocket in the event of a claim. The more money you choose to pay out-of-pocket, the better rate you will receive on Challenger insurance.
  • Car insurance liability coverage limits – Liability insurance is the coverage that protects you when a court rules you are at fault for personal injury or accident damage. This coverage provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Big city or small town – Being located in a rural area is a good thing if you are looking for the lowest rates. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Fewer drivers on the road means reduced accidents.
  • Women pay lower rates – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both cause accidents at about the same rate, but the men tend to have more serious accidents. They also receive more costly citations such as DWI and reckless driving.

Find hidden discounts to get affordable auto insurance quotes

Auto insurance is not an enjoyable expense, but companies offer discounts that many people don’t even know exist. Some trigger automatically when you get a quote, but some may not be applied and must be specifically requested before being credited.

  • Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
  • Good Student – Performing well in school can get you a discount of up to 25%. This discount can apply up to age 25.
  • Paperwork-free – Some of the larger companies provide a small discount just for signing your application on the web.
  • Senior Citizen Rates – If you’re over the age of 55, you are able to get a slight reduction on a car insurance quote on Challenger insurance.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies that may offer quotes with most of the discounts above possibly include:

Double check with all the companies which discounts they offer. Depending on the company, some discounts may not be offered in your area. To choose companies with the best discounts, click here to view.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might point out if your situation may require specific advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need rental car coverage?
  • Am I covered when pulling a rental trailer?
  • How does medical payments coverage work?
  • Is there coverage for injuries to my pets?
  • Do I have coverage for damage caused while driving under the influence?
  • When should I remove comp and collision on my 2018 Dodge Challenger?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage specifics

Learning about specific coverages of car insurance helps when choosing the right coverages 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.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills such as prosthetic devices, surgery, ambulance fees and doctor visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as backing into a parked car, rolling your car, sideswiping another vehicle, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Auto liability

This protects you from damages or injuries you inflict on people or other property. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as attorney fees, repair bills for other people’s vehicles and medical services. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, a broken windshield and vandalism. The maximum amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Smart consumers save more

We covered a lot of tips how to compare 2018 Dodge Challenger insurance car insurance rates online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the best car insurance rates are with a smaller regional carrier.

Insureds switch companies for many reasons like unfair underwriting practices, not issuing a premium refund, policy cancellation or lack of trust in their agent. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

More affordable insurance coverage can be bought from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some insurance companies don’t offer price quotes online and usually these smaller providers sell through independent agents.

More tips and info about insurance coverage is available in the articles below: