2017 Dodge Challenger Insurance Quotes

Looking for better auto insurance rates for your Dodge Challenger? Finding better insurance prices for a Dodge Challenger can be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to get price quotes on a Dodge and obtain the best price possible.

Cheaper rates by taking advantage of discounts

Car insurance companies don’t list every possible discount in an easy-to-find place, so here is a list some of the best known and also the lesser-known auto insurance savings.

• Policy Bundle Discount – If you insure your home and vehicles with the same insurance company you could get a discount of up to 20% and get you cheap insurance coverage.
• Accident Waiver – This isn’t a discount exactly, but companies like Allstate, State Farm and Geico may permit one accident before they charge you more for coverage if your claims history is clear for a certain period of time.
• Driving Data Discount – People who choose to allow data collection to look at where and when they drive by using a telematic data system such as State Farm’s In-Drive might get better premium rates if they have good driving habits.
• Paperless Signup – Some auto insurance companies give back up to $50 for signing up on your computer.
• Driver Education Discount – It’s a good idea to have your young drivers complete a driver education course in high school.
• Drive Safe and Save – Insureds without accidents can pay as much as 50% less on Challenger insurance than their less cautious counterparts.
• Buy New and Save – Adding a new car to your policy may earn a small discount because newer vehicles have to meet stringent safety requirements.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save a little off PIP or medical payments premium.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, you aren’t that lucky.

Some of the larger companies who may offer some of the discounts shown above include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

Check with each insurance company how many discounts you can get. All car insurance discounts may not be offered in every state.

The quickest method to compare insurance rates in your area is to know most of the bigger providers will pay a fee to quote your coverage. The one thing you need to do is take a few minutes to give details including whether the vehicles are used for commuting, if a SR-22 is required, coverage limits, and if you’re married. Your details is instantly submitted to insurance companies and you get price estimates quickly.

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How do insurance providers determine Dodge Challenger insurance premiums?

A large part of saving on insurance coverage is knowing some of the factors that are used to determine your premiums. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in big savings. Many factors are taken into consideration when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, although others are not quite as obvious such as your credit history or how safe your car is.

• Insure your auto and home with one company – Many insurance companies provide better rates to customers that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to shop around to verify if the discount is saving money. Drivers may still find better rates by splitting coverages up.
• Policy add-ons can waste money – Policies have add-on coverages that can waste your money but may not be useful. Things like roadside assistance, accident forgiveness, and term life insurance are probably not needed. You may think they are a good idea when buying your policy, but now you might not need them so eliminate them to save money.
• Lower rates with alarm systems – Purchasing a vehicle with an alarm system can earn a premium discount. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms all help stop auto theft and help lower rates.
• Save money by raising coverage deductibles – Comp and collision deductibles are the amount of money you are required to pay in the event of a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply would be a windshield broken by a bird, hail damage, and damage caused by road hazards. The higher the amount you pay before a claim is paid (deductible), the bigger discount you will receive on Challenger insurance.
• Bad credit hurts insurance costs – Having a good credit score can be an important factor in determining premium rates. If your credit history is not that good, you may save money insuring your 2017 Dodge Challenger by improving your credit score. Consumers who have excellent credit tend to be less risk to insure than drivers with worse credit.

How much auto insurance do I need?

When it comes to buying proper insurance coverage, there is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

• Do I need replacement cost coverage on my 2017 Dodge Challenger?
• Do I need PIP coverage since I have good health insurance?
• Why am I required to buy liability insurance?
• Am I covered when driving on a suspended license?
• Is my 2017 Dodge Challenger covered for smoke damage?
• Is extra glass coverage worth it?
• How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Do insurance coverage companies bend the truth?

Drivers can’t avoid all the ads that claim the best premium rates by 21st Century, Allstate and State Farm. They all advertise claims that you can save if you switch to them.

How is it plausible that every one can charge you less for car insurance?

Insurance coverage companies quote their cheapest rates for the driver that is profitable for them. One example of a preferred risk may be a married male, has never had a claim, and drives a vehicle with a low ISO rating. A propective insured that meets those criteria will probably get cheap premium rates and most likely will save when switching.

Consumers who may not quite match these standards will get more expensive rates with the end result being the customer not purchasing. If you pay attention, the ads say “customers that switch” but not “everyone who gets a quote” save that much money. That is how companies can make those statements. This really illustrates why drivers must do a quote comparison often. It’s just not possible to know with any certainty which company will have the best car insurance rates at this point in time.

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The coverage is in the details

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses for rehabilitation expenses, dental work and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Challenger.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Auto liability

Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things like repair bills for other people’s vehicles, court costs, emergency aid and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, scraping a guard rail, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

And the best car insurance company is…

Some companies may not provide online rate quotes and most of the time these regional carriers prefer to sell through independent agents. More affordable insurance can be found from both online companies in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis.

We covered quite a bit of information on how to lower your 2017 Dodge Challenger insurance prices. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from the least-expected company.

When shopping online for insurance, make sure you don’t buy poor coverage just to save money. In many cases, someone dropped uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. Your goal should be to find the BEST coverage for the lowest price and still be able to protect your assets.

For more information, feel free to visit the resources below:

• Determing Auto Insurance Rates (Geico)
• Think You’re a Safe Driver? (State Farm)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)

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