2016 Dodge Challenger Insurance Quotes

Trying to find lower car insurance rates for your Dodge Challenger? Do you think you bought high-priced car insurance? Don’t sweat it because there are many consumers feeling the pinch from expensive car insurance.

Popular companies such as Geico, 21st Century and Progressive all promote huge savings with ads and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.

Consumers should take time to get comparison quotes on a regular basis due to the fact that insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best rate on Challenger coverage a few years ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because it’s time to teach you the quickest way to find lower rates on car insurance.

How to get free auto insurance quotes online

Comparing auto insurance rates is a ton of work if you don’t understand the best way to get rate quotes. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize online quotes to get the quickest rates.

Most car insurance companies participate in an industry program where prospective buyers complete one form, and every company can give them a price based on that information. This eliminates the need for form submissions for every auto insurance company. To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you are unable to specify the insurers to get quotes from. If you would rather choose individual companies to compare prices, we have assembled a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just be certain you are entering apples-to-apples deductibles and coverage limits with each company. If you enter different data it will be next to impossible to determine which rate is truly the best. Even a minor difference in limits may cause a big price difference. Just remember that obtaining a wide range of quotes helps improve the odds of finding a lower rate.

When do I need an agent’s advice?

When it comes to buying coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help you determine if you would benefit from professional advice.

• Am I covered if I crash into my own garage door?
• Does my policy cover my teen driver if they drive my company car?
• Should I bundle my homeowners policy with my auto?
• Is business property covered if stolen from my car?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What vehicles should carry emergency assistance coverage?
• Should I buy additional glass protection?
• Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Insurance policy specifics

Having a good grasp of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from 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 coverage protects against things like a broken windshield, falling objects and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, sideswiping another vehicle, colliding with a tree, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Challenger.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability car insurance

Liability insurance will cover damage or injury you incur to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as legal defense fees, emergency aid, pain and suffering and loss of income. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as surgery, funeral costs, hospital visits, ambulance fees and pain medications. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage