Lower Your 2017 Dodge Challenger Insurance Quotes

Looking for lower auto insurance rates for your Dodge Challenger? Think you have overpriced auto insurance? It’s quite common and there are many drivers thinking the same thing. Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate persitently shower you with fancy advertisements and it is difficult to see past the corporate glitz and take the time to shop coverage around.

It’s smart to shop coverage around at least once a year because auto insurance prices are variable and change quite frequently. Despite the fact that you may have had the best price for Challenger insurance on your last policy other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to teach you one of the easiest ways to save on auto insurance.

If you are insured now or are just looking to switch companies, you can learn to find better prices while maximizing coverage. Buying car insurance is not rocket science. Vehicle owners just need to understand the most efficient way to compare company rates online.

Compare free car insurance price quotes

Getting a cheaper price on 2017 Dodge Challenger insurance doesn’t have to be difficult. You just have to take a couple of minutes comparing price quotes from some recommended companies. Shoppers can get rates using a couple different methods.

Without a doubt, the easiest way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for repetitive form submissions for every company. Just one form will return price quotes from multiple low-cost companies.
A less efficient way to find more affordable insurance is to manually visit the website of each company and repeat the quote process. For instance, let’s say you want to compare Nationwide, Esurance and Progressive. To do that, you would have to visit each site and punch in your information repeatedly, which is why the first method is quicker.
To view a list of companies in your area, click here.
The least efficient and most time consuming method to compare price quotes is driving around to different agent offices. Quoting and buying insurance online eliminates this option unless you’re the type of person who wants the professional assistance that only a licensed agent can provide. It is possible to obtain prices from the web but purchase the actual policy in an agency.

Compare rates however you want, just be certain you are entering equivalent deductibles and coverage limits for each price quote. If each company quotes higher or lower deductibles it will be next to impossible to determine which company has the best rates.

Save a ton by taking advantage of discounts

Car insurance can cost a lot, but there could be available discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but a few need to be asked for prior to getting the savings.

Safe Driver Discounts – Drivers without accidents can pay as much as 50% less for Challenger insurance compared to rates paid by drivers with frequent claims.
Save with a New Car – Buying a new car model is cheaper since new vehicles are generally safer.
Theft Deterent Discount – Cars equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a car insurance quote.
Good Student – Excelling in school can save 20 to 25%. You can use this discount normally up to age 25.
Accident Forgiveness Coverage – but a few companies such as State Farm and Geico will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
Senior Citizen Rates – Drivers over the age of 55 may be able to get lower premium rates for Challenger insurance.
Bundle and Save – If you combine your homeowners and auto policies and insure them with the same company you could get a discount of at least 10 to 15 percent or more.
Paper-free Discount – A few larger online companies will provide an incentive for completing your application on the internet.

As a sidenote, most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Companies and their possible discounts include:

State Farm discounts include good driver, good student, passive restraint, multiple policy, and defensive driving training.
Progressive includes discounts for online signing, continuous coverage, good student, multi-policy, multi-vehicle, and homeowner.
Progressive has savings for multi-policy, multi-vehicle, homeowner, online quote discount, online signing, good student, and continuous coverage.
MetLife offers premium reductions for defensive driver, claim-free, good student, accident-free, multi-policy, good driver
Farm Bureau offers discounts for multi-policy, good student, multi-vehicle, safe driver, and 55 and retired.
Geico has discounts for multi-vehicle, military active duty, defensive driver, seat belt use, and anti-theft.
SAFECO may have discounts that include drive less, teen safe driver, teen safety rewards, anti-theft, multi-car, safe driver, and accident prevention training.

Before you buy a policy, ask each company or agent how many discounts you can get. Some discounts may not apply to policyholders in your area.

How much insurance do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For example, these questions might point out whether your personal situation might need professional guidance.

Am I covered if I hit my neighbor’s mailbox?
What companies insure drivers after a DUI or DWI?
Why do I need rental car insurance?
At what point should I drop full coverage?
How do I file an SR-22 for a DUI in my state?
Does my insurance cover a custom paint job?
Should I bundle my homeowners policy with my auto?
Does medical payments coverage apply to all occupants?
Do I need more liability coverage?
Am I covered when driving a rental car?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage basics

Understanding the coverages of your insurance policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average insurance policy.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as rehabilitation expenses, doctor visits, dental work and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as damaging your car on a curb, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Challenger.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to other people or property. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding and hitting a deer. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.