2009 Dodge Challenger Insurance Rates – 8 Ideas for Best Quotes

Trying to find cheaper auto insurance rates for your Dodge Challenger? No one in their right mind rejoices having to buy auto insurance, especially when they know the cost is too high.

Since people have many insurance providers from which to choose, it is hard for the average consumer to locate a more affordable auto insurance provider.

How to buy car insurance

All the larger car insurance companies give prices directly from their websites. This process is fairly straightforward as you just enter your personal and coverage information into the quote form. After the form is submitted, the company’s rating system requests your driving and credit reports and quotes a price. Online price estimates makes it a lot easier to compare rates but the work required to visit multiple sites and type in your information can be a bit repetitive. But it’s necessary to do this in order to find better car insurance pricing.

A better way to get multiple rate quotes is to use a quote form to obtain quotes from more than one company. It saves time, eliminates form submissions, and makes quoting online a lot less work. Once the form is submitted, your coverage is rated with multiple companies and you can pick any of the pricing results. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The entire process takes 15 minutes at the most and may save quite a bit of money.

To find out how much you’re overpaying now, click here to open in new window and enter your information. To compare your current rates, we recommend you enter the limits and deductibles exactly as they are listed on your policy. This makes sure you will have a rate comparison based on the exact same insurance coverage.

Don’t be fooled by advertising claims

Progressive, Geico, Allstate and State Farm regularly use ads on TV and radio. All the ads say the same thing that people will save if you move your coverage to them. How can each company give you a lower rate? This is the trick they use.

All the different companies have specific characteristics for the type of driver that will be a good risk. One example of this type of insured might be described as between 30 and 50, has had continuous coverage, and drives a car with an anti-theft system. Someone that fits those parameters receives the best car insurance rates and therefore will cut their rates if they switch.

Insureds who don’t qualify for the ideal profile will be charged a higher rate which translates to the driver buying from a lower-cost company. The wording the ads use say “customers that switch” not “all people who quote” save that much when switching. That’s why insurance companies can claim big savings. Each company has different criteria, so you absolutely need to get insurance coverage quotes as often as possible. It is impossible to guess with any certainty which company will give you the biggest savings.

Do you qualify for discount auto insurance?

Car insurance is not cheap, but there are discounts available that you may not even know about. Some discounts will apply when you purchase, but less common discounts must be requested specifically before being credited.

  • Safety Course Discount – Taking part in a class that teaches safe driver techniques could possibly earn you a 5% discount and make you a better driver.
  • Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts as much as 30%.
  • Savings for New Vehicles – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for Challenger insurance with certain companies.
  • E-sign – A few larger online companies give back up to $50 for signing up on the web.
  • Discount for Life Insurance – Select insurance carriers reward you with a break if you buy life insurance from them.
  • No Charge for an Accident – Not really a discount, but a handful of insurance companies will let one accident slide before hitting you with a surcharge so long as you are claim-free prior to the accident.
  • Mature Driver Discount – Older drivers can get a slight reduction on a insurance coverage quote for Challenger insurance.

One thing to note about discounts is that some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But any discount will lower the amount you have to pay.

Insurance companies that may offer policyholders some of the discounts shown above are:

If you need affordable insurance coverage quotes, ask each insurance company which discounts can lower your rates. Discounts may not be available in your area. If you would like to choose from a list of providers offering auto insurance discounts, follow this link.

What insurance coverages do I need?

When choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can aid in determining whether you may require specific advice.

  • If I drive on a suspended license am I covered?
  • What companies insure drivers after a DUI or DWI?
  • Is there coverage for injuries to my pets?
  • Do all my vehicles need collision coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How high should my uninsured/underinsured coverage be in my state?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Specific coverage details

Understanding the coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average car insurance policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 2009 Dodge Challenger.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for liability

This coverage will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as structural damage, bail bonds, medical expenses and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, vandalism and hitting a bird. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

This coverage covers damage to your Challenger caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, backing into a parked car and hitting a parking meter. 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 choose a higher deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like funeral costs, chiropractic care and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

A penny saved is a penny earned

As you quote insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The proper strategy is to purchase plenty of coverage at a price you can afford.

Throughout this article, we presented many ways to lower your 2009 Dodge Challenger insurance premium rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your prices. Consumers may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, Geico and Nationwide.

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