2008 Dodge Challenger Car Insurance Quotes – 9 Tips for Cheaper Rates

Trying to find better insurance coverage rates for your Dodge Challenger? Searching for better insurance prices for a Dodge Challenger can turn out to be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the proper way to get price quotes on a Dodge and obtain the cheapest rates.

Car insurance quotes comparison

Comparing car insurance rates can be exhausting if you aren’t aware of the easiest way. You could waste a few hours talking about coverages with local insurance agents in your area, or you can utilize online quoting to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system where prospective buyers submit one quote, and each company returns a competitive quote based on the submitted data. This prevents consumers from doing quotation requests for every car insurance company.

To access this free quoting program, click here (opens in new window).

The single downside to comparing rates this way is you cannot specify which providers you want pricing from. If you would rather choose specific providers to compare, we put together a list of car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but do your best to enter equivalent information for each price quote. If your comparisons have different limits and deductibles on each one then you won’t be able to get a fair rate comparison.

Nine discounts for lower-cost car insurance quotes

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts to help offset the cost. A few discounts will automatically apply at quote time, but occassionally some discounts must be requested specifically in order for you to get them.

  • Lower Rates for Military – Being on active duty in the military can result in better car insurance rates.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use their safety belts can save a little off the PIP or medical payment premium.
  • No Charge for an Accident – This isn’t a discount exactly, but some companies like State Farm and Geico will forgive one accident before raising your premiums so long as you are claim-free prior to being involved in the accident.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control prevent accidents and will save you 10% or more.
  • Sign Online – A few larger companies may give you up to $50 for signing up on the internet.
  • Drive Safe and Save – Insureds who avoid accidents can pay as much as 50% less on Challenger insurance than drivers with accidents.
  • Distant Student – Children who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Driver’s Education for Students – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Early Renewal Discounts – Select insurance companies give a discount for switching companies prior to the expiration date on your current policy. You can save around 10% with this discount.

Just know that most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A few of the larger companies and their offered discounts are detailed below.

  • Farm Bureau offers discounts including multi-vehicle, driver training, multi-policy, renewal discount, youthful driver, safe driver, and 55 and retired.
  • Liberty Mutual includes discounts for exclusive group savings, safety features, good student, new graduate, hybrid vehicle, multi-policy, and teen driver discount.
  • State Farm may include discounts for accident-free, good driver, Drive Safe & Save, Steer Clear safe driver discount, and student away at school.
  • Auto-Owners Insurance may have discounts that include good student, anti-lock brakes, multiple vehicles, paperless, multi-policy, and group or association.
  • Geico offers discounts for five-year accident-free, driver training, air bags, federal employee, and anti-lock brakes.
  • SAFECO has savings for teen safe driver, accident prevention training, teen safety rewards, anti-theft, drive less, homeowner, and anti-lock brakes.

When quoting, ask all companies you are considering which discounts can lower your rates. A few discounts may not apply to policies in every state. To find insurance companies that offer multiple discounts, click here to view.

You may need specialized auto insurance coverage

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Does my 2008 Dodge Challenger qualify for pleasure use?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Will my insurance pay for OEM parts?
  • Can I afford to buy a different vehicle if my 2008 Dodge Challenger is totaled?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

What insurance coverages do you need?

Learning about specific coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers 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. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverage

Liability coverage will cover damage or injury you incur to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like loss of income, repair costs for stationary objects and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for chiropractic care, funeral costs, X-ray expenses, pain medications and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage protection

This coverage pays for damage to your Challenger from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, colliding with another moving vehicle, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, rock chips in glass, damage from getting keyed and vandalism. The most 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 it’s probably time to drop comprehensive insurance.

Have the Midas touch

Throughout this article, we presented some good ideas how to shop for 2008 Dodge Challenger insurance online. The most important thing to understand is the more you quote car insurance, the better your comparison will be. You may even discover the biggest savings come from a small mutual company.

Drivers change insurance companies for a number of reasons such as not issuing a premium refund, policy non-renewal, high rates after DUI convictions and questionable increases in premium. No matter why you want to switch, switching insurance companies is not as difficult as it may seem.

When shopping online for insurance, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, drivers have reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at the best possible price.

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