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Dodge Challenger Insurance Rates

Comparing auto insurance through online rate quotes saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to take the time to get rates from all providers so you can compare the lowest prices.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quotes. But relax because we're going to show you how. Cutting your Challenger insurance cost can be surprisingly simple. Drivers just need to take a couple of minutes to compare quotes online from several insurance companies. This can be done by visiting this page.

What factors determine your insurance rates?

Insurance premiums paid to insure a Dodge Challenger can vary widely and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Credit rating
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Whether or not you have claims
  • No coverage lapses saves money
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older Dodge models so the costs to repair can inflate annual premiums. Conversely, newer models have more advanced features such as an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags which can provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability - This protects you from damages or injuries you inflict on a person or their property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Collision - This coverage pays for damage to your Dodge from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive auto coverage - This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - This gives you protection from other drivers when they do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Med pay and PIP coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.

How Much are Dodge Challenger Insurance Rates?