2011 Dodge Challenger Car Insurance Cost – 7 Savings Tips

Looking for the cheapest insurance rates? Shoppers have options when shopping for the lowest priced Dodge Challenger insurance. You can either waste hours struggling with agents to compare prices or leverage the internet to get rate quotes.

There is a better way to buy insurance and we’ll show you the best way to price shop coverage for a Dodge and get the cheapest rates from local insurance agents and online providers.

If you are insured now or need new coverage, you can learn to get lower rates while maximizing coverage. The purpose of this article is to help educate you on how car insurance quotes work and some money-saving tips. Drivers only need to know the proper way to shop over the internet.

Find discounts on insurance coverage

Buying insurance coverage is not cheap, but you may be missing some discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be specially asked for prior to getting the savings.

  • Good Student – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
  • Senior Citizen Discount – Mature drivers may receive a slight reduction on a auto insurance quote for Challenger coverage.
  • Multi-car Discount – Drivers who insure primary and secondary vehicles with one company may reduce the rate for each vehicle.
  • Club Memberships – Belonging to specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance coverage.
  • Active Service Discounts – Being on active duty in the military could qualify you for better premium rates.
  • Accident Waiver – This one is not really a discount per se, but some insurance companies will let one accident slide before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.
  • Policy Bundle Discount – When you have multiple policies and place coverage with the same company you may save nearly 15% which can help you find cheaper auto insurance.

Remember that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears all the discounts add up to a free policy, you’re out of luck.

To choose providers that offer discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help highlight whether your personal situation could use an agent’s help.

  • What are the financial responsibility laws in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my insurance cover my expensive audio equipment?
  • What can I do if my company won’t pay a claim?
  • Do I have coverage when making deliveries for my home business?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Coverage specifics

Having a good grasp of your insurance policy helps when choosing the best 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.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 2011 Dodge Challenger.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are set the same as your liablity limits.

Liability coverages

This coverage protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like emergency aid, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, falling objects and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for doctor visits, chiropractic care, dental work, nursing services and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Buy online or local, you save

In this article, we presented a lot of information how to save on 2011 Dodge Challenger insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance is with some of the lesser-known companies.

Cheaper 2011 Dodge Challenger insurance is available from both online companies and from local agencies, so you need to quote auto insurance with both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies only sell through independent agents.

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

More detailed insurance information is available in the articles below: