Beginners Guide for Finding the Best Dodge Challenger Insurance

Sick and tired of robbing Peter to pay Paul to insure your Dodge every month? You are no different than millions of other consumers.

There are many insurers to purchase coverage from, and even though it’s nice to have a selection, it makes it harder to find the lowest cost provider.

You should take the time to shop coverage around yearly because prices change regularly. Even if you got the lowest price for Challenger insurance a couple years back you can probably find a lower rate today. You can find a lot of wrong information about auto insurance online, so with this article, you’re going to get some of the best ways to find affordable auto insurance.

Free Quotes for Auto Insurance

There are a lot of ways you can shop for auto insurance but some are less labor-intensive and much quicker. You could spend the better part of a day driving to local insurance agents in your area, or you could save time and use the internet to maximize your effort.

Many of the larger companies enroll in a system that enables customers to only type in their quote data once, and at least one company returns a competitive quote based on that information. This system prevents you from having to do form submissions to every company.

To compare rates now click here to open in new window.

The one disadvantage to doing it this way is you don’t know exactly the providers to get pricing from. So if you want to select from a list of companies to compare prices, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you’re using the exact same coverage limits and deductibles with each company. If your comparisons have different liability limits you will not be able to determine the best price for your Dodge Challenger. Just a small difference in coverages can make a big difference in price. And when comparing auto insurance rates, know that comparing a large number of companies gives you a better chance of getting a lower rate. car insurance quote

Can you really save that much by switching?

Companies like Allstate and Progressive continually stream ads on television and other media. All the ads make an identical promise that you’ll save big after switching to them. But how can every company say the same thing?

Different companies have a preferred profile for the type of driver that earns them a profit. An example of a preferred risk could be a mature driver, has no prior claims, and has a high credit rating. A driver who fits that profile will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who are not a match for these standards will have to pay a higher premium and ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That’s why companies can make those claims.

Because of the profiling, drivers must compare many company’s rates. Because you never know the company that will provide you with the cheapest rates.

Dodge Challenger premiums are determined by many factors

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that may reward you with lower auto insurance prices.

The following are a partial list of the pieces that factor into rates.

  • More miles equals more premium – Driving more miles in a year the higher your rates will be. Most companies price each vehicle’s coverage based on their usage. Autos used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Improper usage on your Challenger can cost quite a bit. Double check that your auto insurance coverage is showing the proper vehicle usage.
  • Do you need those extra coverages? – There are a lot of additional coverages that you can get tricked into buying when buying auto insurance. Insurance for vanishing deductibles, accidental death and motor club memberships are examples of these. These coverages may sound good initially, but if you don’t need them eliminate the coverages to reduce your premium.
  • No coverage gaps is important – Allowing your auto insurance policy to lapse is a sure-fire way to bump up your auto insurance costs. And not only will your rates increase, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Bump up deductibles to save – Deductibles for physical damage represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. The more expense you have to pay, the less your auto insurance will be for Challenger insurance.
  • Tickets mean higher rates – A bad driving record has a huge affect on how much you pay. Good drivers receive lower rates compared to drivers with tickets. Even one moving violation can increase rates forty percent or more. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Better crash test results mean better rates – Safer cars get lower rates. Safe vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If the Dodge Challenger earned at least four stars on it may be receiving lower rates.
  • Your car’s features help determine rates – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.

You probably qualify for some discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically when you quote, but less common discounts must be specifically requested in order for you to get them.

cheap insurance for Dodge Challenger

  • Government Employees – Employees or retirees of the government can save as much as 8% for Challenger insurance depending on your company.
  • No Accidents – Drivers who don’t have accidents can earn big discounts when compared to bad drivers.
  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance from them.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Distant Student – Children who live away from home and do not have a car may be able to be covered for less.

It’s important to understand that some credits don’t apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, you’re out of luck. Any amount of discount will reduce your overall premium however.

To see a list of insurance companies with discount auto insurance rates, click this link.

The best insurance company isn’t always the cheapest

Affordable Dodge Challenger insurance can be bought online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies do not offer online quoting and these smaller companies work with independent agents.

We just showed you a lot of information how to lower your Dodge Challenger insurance rates. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the best price on auto insurance is with a small mutual company. Smaller companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.