Compare 2013 Dodge Challenger Insurance Rates

Searching for cheaper car insurance rates for your Dodge Challenger? Nobody I know looks forward to paying premiums for car insurance, in particular when they could find better prices if they shop around. There are many insurance companies to pick from, and though it is a good thing to have a choice, more choices can make it harder to compare rates and cut insurance costs.

It’s smart to do price comparisons before your next renewal because car insurance rates fluctuate regularly. Just because you found the best premium rates for Challenger coverage two years ago other companies may now be cheaper. Don’t believe everything you read about car insurance online, but I’m going to show you some solid techniques on how to lower your car insurance bill.

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Discount auto insurance rates

Auto insurance is expensive, but you may be missing some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you purchase, but less common discounts must be asked about before they will apply.

  • Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in school.
  • Discount for Low Mileage – Driving less could earn lower auto insurancerates on the low mileage vehicles.
  • Paperless Signup – A few larger online companies will provide an incentive for buying your policy online.
  • Military Deployment Discount – Having a family member in the military may lower your rates slightly.
  • Defensive Driver – Participating in a course teaching safe driver skills can save you 5% or more depending on where you live.
  • Save with a New Car – Buying auto insurance coverage on a new vehicle can be considerably cheaper because new model year vehicles are generally safer.
  • Discount for Multiple Policies – If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Employee of Federal Government – Employees or retirees of the government may reduce rates when you quote auto insurance for Challenger coverage with certain companies.

Policy discounts save money, but most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you aren’t that lucky.

A list of companies and a partial list of their discounts include:

  • State Farm policyholders can earn discounts including good driver, driver’s education, passive restraint, safe vehicle, and multiple autos.
  • Liberty Mutual includes discounts for teen driver discount, multi-car, new vehicle discount, hybrid vehicle, newly married, and newly retired.
  • American Family offers discounts for Steer into Savings, accident-free, multi-vehicle, mySafetyValet, good driver, and bundled insurance.
  • Progressive may include discounts for homeowner, online signing, online quote discount, continuous coverage, and multi-vehicle.
  • Farmers Insurance offers premium reductions for bundle discounts, distant student, switch companies, homeowner, early shopping, and multi-car.
  • Auto-Owners Insurance discounts include good student, paid in full, company car, anti-lock brakes, and anti-theft.
  • SAFECO has discounts for teen safety rewards, anti-lock brakes, accident prevention training, bundle discounts, anti-theft, and safe driver.

When getting a coverage quote, ask every prospective company which credits you are entitled to. Discounts might not apply everywhere.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. These are some specific questions can help discover whether or not you may require specific advice.

  • Is other people’s property covered if stolen from my vehicle?
  • How much liability insurance is required?
  • How do I file an SR-22 for a DUI in my state?
  • How high should my medical payments coverage be?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need replacement cost coverage?
  • Do I need an umbrella policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Do drivers who switch really save?

Consumers can’t escape the ads for cheaper insurance by companies like Allstate and Progressive. All the ads make the same claim that drivers will save a bundle if you move to their company.

How does every insurance company offer you a better deal? This is the way they can do it.

Companies have an ideal profile for the type of driver that will most likely be profitable. One example of a driver they prefer should be a married female, has no tickets, and has great credit. A customer getting a price quote who fits those characteristics receive the lowest rate quotes as well as cut their rates substantially.

Potential customers who fall outside this ideal profile will be charged higher premium rates and this can result in business not being written. The trick companies use is to say “customers that switch” not “all people who quote” save money. This is how companies can claim big savings.

Because of this risk profiling, you absolutely need to get auto insurance quotes from several different companies. Because without a comparison, you cannot know which insurance companies will fit you best based on your risk profile.

Car insurance specifics

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most car insurance policies.

Liability auto insurance – This protects you from damages or injuries you inflict on a person or their property. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, attorney fees, bail bonds and structural damage. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision coverage – Collision insurance covers damage to your Challenger from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, crashing into a building, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2013 Dodge Challenger.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for pain medications, X-ray expenses, rehabilitation expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, falling objects, vandalism, a broken windshield and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Shop smart and save

A few companies may not provide online rate quotes and many times these smaller companies work with independent insurance agencies. Low-cost 2013 Dodge Challenger insurance is available online and from local insurance agents, so you need to compare both to have the best chance of lowering rates.

We’ve covered many ideas to save on 2013 Dodge Challenger insurance. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. They can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

Additional detailed information is available in these articles:

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