Lower Your 2018 Dodge Challenger Insurance Quotes

Are you a victim of high-priced car insurance? Don’t sweat it because you are not the only one feeling buyer’s remorse.

Drivers have multiple insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, having more car insurance companies makes it harder to compare company pricing.

Locating cheaper coverage is simple if you know the tricks. In a nutshell, every vehicle owner who shops for insurance most likely will be able to find better rates. But vehicle owners need to have an understanding of how big insurance companies sell online and use this information to your advantage.

Don’t miss with these discounts

Some insurers don’t always list all possible discounts very clearly, so we break down some of the best known in addition to some of the lesser obvious discounts that may be available.

• Service Members Pay Less – Being on active deployment in the military can result in better prices.
• Senior Citizens – If you qualify as a senior citizen, you can get a discount up to 10% for Challenger insurance.
• Online Discount – Some of the larger companies will give a small break for buying your policy on the internet.
• Drive Less and Save – Fewer annual miles on your Dodge could be rewarded with lower rates on the low mileage vehicles.
• Bundle and Save – If you can bundle your auto and home insurance and insure them with the same company you will save at least 10% off all policies.

It’s important to note that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like adding up those discounts means a free policy, it just doesn’t work that way.

Popular car insurance companies and some of the premium reductions they offer are:

• State Farm has savings for Drive Safe & Save, defensive driving training, good driver, student away at school, and anti-theft.
• Geico may have discounts that include multi-vehicle, seat belt use, five-year accident-free, daytime running lights, and military active duty.
• Liberty Mutual offers premium reductions for new move discount, new vehicle discount, hybrid vehicle, teen driver discount, newly married, and new graduate.
• The Hartford discounts include anti-theft, bundle, vehicle fuel type, good student, air bag, defensive driver, and driver training.
• MetLife policyholders can earn discounts including accident-free, good driver, claim-free, defensive driver, good student, and multi-policy.
• Progressive includes discounts for multi-vehicle, online signing, continuous coverage, multi-policy, and homeowner.

If you want the cheapest insurance quotes, ask each company what discounts are available to you. Some discounts might not be available to policyholders in your area. To locate insurance companies that offer multiple discounts, click here.

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Low cost insurance coverage quotes online

Effectively comparing insurance coverage prices can be a daunting task if you don’t understand the most efficient way to do it. You can waste a few hours (or days) driving to insurance agencies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most of the best insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each company returns a competitive quote based on that information. This saves time by eliminating quote forms for each company you want a rate for.

To find out what other companies charge click here to open in new window.

The one downside to getting quotes like this is you can’t choose the insurers you want to price. So if you want to choose specific insurance companies to compare prices, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just try to use exactly the same information with every price quote. If you use different coverage information then you won’t be able to find the best deal for your Dodge Challenger. Even a minor difference in insurance coverages or limits can mean a large discrepancy in price. Just remember that obtaining a wide range of quotes provides better odds of finding more affordable insurance. Not every company provides rate quotes online, so you need to compare quotes from the smaller companies as well.

Get cheaper insurance costs by understanding these factors

Lots of things are used when pricing auto insurance. Some factors are common sense such as traffic violations, but others are not quite as obvious such as your credit history or your vehicle rating.

• Do you really need to file that policy claims? – If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Auto insurance companies generally give cheaper rates to people who file claims infrequently. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
• Insurance is expensive for youthful drivers – Older insureds are proven to be safer behind the wheel, statistically cause fewer accidents .Inexperience drivers are known to be easily distracted with other occupants in the car so auto insurance rates are higher.
• Cheaper rates with high coverage deductibles – The deductibles you choose are how much you are willing to pay if a covered claim is submitted. Insurance for physical damage, also called ‘full coverage’, is used to repair damage to your car. Examples of covered claims are rearending another vehicle, hail damage, and damage from wind. The more damage repair cost the insured is willing to pay, the less money you will pay for auto insurance for Challenger insurance.
• Liability protection is important – The liability coverage on your policy will protect you if a jury decides you are liable for an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. Liability insurance is pretty cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
• Annual mileage impacts costs – The higher the mileage driven each year the higher the price you pay to insure it. A lot of insurance companies calculate prices partially by how you use the vehicle. Vehicles that do not get driven very much can be on a lower rate level than vehicles that have high annual mileage. An improperly rated Challenger is throwing money out the window. Ask your agent if your auto insurance policy reflects the correct usage.
• Do females or males drive better? – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. That doesn’t necessarily mean that females are better drivers. Both sexes cause accidents in similar percentages, but the men tend to have more serious accidents. In addition to higher claims, males also have more aggressive citations such as DWI and reckless driving.
• Consolidate policies and save – Most larger insurers will give a discount to clients who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to shop around to help ensure you have the lowest rates.

Your situation helps dictate your coverage

When choosing adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might help in determining if your situation might need an agent’s assistance.

• Does my personal policy cover me when driving out-of-state?
• How does medical payments coverage work?
• Am I covered if I hit a deer?
• Does my 2018 Dodge Challenger need full coverage?
• How high should my medical payments coverage be?
• Will I be non-renewed for getting a DUI or other conviction?
• How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.

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Be skeptical of insurance ads

Big name companies like Allstate, Geico and Progressive consistently run ads on television and other media. All the ads tend to make the same promise that you’ll save big just by moving your policy. How is it possible that every company can charge lower premium rates? You have to listen carefully.

Companies offer their best rates for the type of customer that is profitable for them. An example of a profitable customer might be described as a female over age 40, has a clean driving record, and insures a new vehicle. A customer who matches that profile will get a cheap rate quote as well as cut their rates substantially.

Insureds who are not a match for these standards will get a higher premium with the end result being business not being written. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” save that much money. This is how companies can truthfully advertise the savings.

Because of this risk profiling, it’s extremely important to compare rate quotes every year. You cannot predict the company that will have the best rates for your profile.

Car insurance policy coverages for a 2018 Dodge Challenger

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average car insurance policy.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, theft, damage from flooding, vandalism and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Liability insurance – This will cover damage that occurs to other people or property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like structural damage, court costs, attorney fees and emergency aid. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Collision – Collision coverage pays for damage to your Challenger resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, crashing into a ditch, hitting a parking meter, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as chiropractic care, rehabilitation expenses, nursing services, surgery and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Smart shoppers get results

We just covered a lot of ways to reduce 2018 Dodge Challenger insurance car insurance rates online. It’s most important to understand that the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers may even find the lowest priced insurance coverage comes from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

There are still a few companies who may not offer rates over the internet and usually these small insurance companies only sell coverage through independent agencies. Cost effective 2018 Dodge Challenger insurance can be bought on the web as well as from independent agents, and you should compare price quotes from both to have the best selection.

When you buy insurance online, make sure you don’t reduce needed coverages to save money. In many instances, someone dropped full coverage and found out when filing a claim they didn’t have enough coverage. The goal is to purchase a proper amount of coverage at an affordable rate.

More tips and info about insurance coverage is located in these articles:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• Where can I buy Insurance? (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)

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