2012 Dodge Challenger Insurance Cost

Looking for the cheapest insurance rates for your Dodge Challenger? Are you tired of not being able to scrape enough together to keep your car insured? Your situation is no different than the majority of other drivers.

Having so many options, it can be diffult for people to find a lower cost insurance company.

It’s important to do rate comparisons on a regular basis because prices are adjusted regularly by insurance companies. Even if you think you had the best price on Challenger coverage two years ago a different company probably has better rate quotes today. There is too much inaccurate information about insurance online but we’re going to give you the easiest ways to slash your insurance rates.

More affordable rates with discounts

Not too many consumers would say car insurance is affordable, but you might find some hidden discounts that many people don’t even know exist. Certain credits will be shown when you quote, but a few need to be inquired about in order for you to get them.

  • Multi-line Discount – Not all car insurance companies offer life insurance, but some may give you better premium rates if you take out a life insurance policy as well.
  • Accident Forgiveness – Not really a discount, but a handful of insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
  • Active Military Service – Being deployed in the military may lower your car insurance rates slightly.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.
  • Data Collection Discounts – Insureds who allow their car insurance company to scrutinize driving manner by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they have good driving habits.
  • Own a Home – Being a homeowner can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • Discounts for Government Workers – Being employed by or retired from a federal job can earn a discount up to 10% on Challenger coverage depending on your car insurance provider.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid the installment charge.
  • Defensive Driver – Taking part in a defensive driver course could earn you a small percentage discount if you qualify.

As is typical with insurance, some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. Even though it appears adding up those discounts means a free policy, companies don’t profit that way.

To see car insurance companies that offer some of these discounts, follow this link.

The best way we recommend to get policy rate comparisons is to know the fact car insurance companies participate in a system to provide you with free rate quotes. To begin a comparison, all you need to do is provide information like if it has an anti-theft system, your general credit rating, the type of vehicles you drive, and if a SR-22 is required. That rating data is instantly submitted to many of the top insurers and you will receive price estimates quickly.

Dodge Challenger insurance cost factors

An important part of buying insurance is that you know some of the factors that come into play when calculating your premiums. If you have a feel for what influences your rates, this allows you to make educated decisions that could result in lower auto insurance prices. Lots of factors are part of the equation when you get a price on insurance. Some are obvious such as your driving history, but some are less obvious like where you live or your commute time.

The following are some of the major factors used by insurance companies to determine premiums.

  • Do you qualify for a multi-policy discount? – Most larger insurers give discounts to people who have multiple policies with them such as combining an auto and homeowners policy. Even with this discount applied, it’s in your best interest to get quotes from other companies to help ensure you have the lowest rates. It’s possible to still save more without the discount by buying insurance from more than one company.
  • Drive less and pay lower prices – The more miles you rack up on your Dodge in a year the higher your rates will be. A lot of companies price each vehicle’s coverage partially by how you use the vehicle. Cars that sit idle most of the time get more affordable rates than cars that get driven a lot. Make sure your vehicle rating is rated on how each vehicle is driven, because it can save money. An incorrectly rated Challenger may be costing you higher rates.
  • Premiums may be higher where you live – Living in less populated areas of the country is a good thing if you are looking for the lowest rates. Urban drivers regularly have more road rage incidents and higher rates of accident claims. Fewer drivers on the road means fewer accidents in addition to lower liability claims
  • Teenage drivers pay more – Older people are more responsible, tend to cause fewer accidents , and are generally more financially stable.Young drivers tend to be easily distracted when driving with friends so auto insurance rates are higher.

What is the best insurance coverage coverage?

When it comes to buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions might point out whether your personal situation might need professional guidance.

  • Does my insurance cover a custom paint job?
  • When can my company non-renew my policy?
  • If my 2012 Dodge Challenger is totaled, can I afford another vehicle?
  • What is no-fault insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I get a multi-policy discount?
  • Should I waive the damage coverage when renting a car?
  • How do I file an SR-22 for a DUI in my state?
  • Does my 2012 Dodge Challenger need full coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverages

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverages found on most auto insurance policies.

Coverage for collisions

Collision coverage will pay to fix damage to your Challenger resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, hitting a parking meter, sustaining damage from a pot hole, crashing into a ditch and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills like nursing services, doctor visits and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured or underinsured coverage

This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Challenger.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability car insurance

This coverage will cover injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is 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 insurance covers claims such as bail bonds, pain and suffering, repair bills for other people’s vehicles and medical services. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, a broken windshield, theft and damage from flooding. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Shop. Compare. Save.

There are still a few companies who do not provide the ability to get a quote online and many times these small, regional companies sell through local independent agents. Cheaper 2012 Dodge Challenger insurance can be bought from both online companies in addition to local insurance agencies, so compare prices from both to have the best selection.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at a price you can afford.

Additional insurance information is available at these links: