2009 Dodge Challenger Car Insurance Rates

Are you regretting the purchase of an overpriced insurance policy? You’re preaching to the choir because you’re not the only one. With consumers having so many insurance companies to choose from, it’s difficult to choose the best insurance company.

It is always a good idea to compare prices every six months due to the fact that insurance rates are usually higher with each renewal. Even if you got the lowest rate for Challenger coverage a few years ago you will most likely find a better price today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the easiest ways to reduce your cost while improving coverage.

This article will help you learn the best way to quote coverages and some tips to save money. If you have car insurance now, you should be able to cut costs considerably using these techniques. Drivers just need to know the proper way to buy car insurance online.

Insurance coverage companies offer lots of discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not even be aware of. Some discounts apply automatically at quote time, but a few need to be asked about in order for you to get them. If you check and find you aren’t receiving every discount you qualify for, you are throwing money away.

  • Safety Course Discount – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Low Miles Discount – Low annual miles could qualify for lower premium rates on the low mileage vehicles.
  • Auto/Life Discount – Select insurance coverage companies reward you with a discount if you purchase auto and life insurance together.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.
  • Policy Bundle Discount – If you combine your homeowners and auto policies and insure them both with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% on the medical payments or PIP coverage costs.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Just because it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way. But any discount will help reduce your premiums.

Some companies who may offer most of these discounts may include but are not limited to:

If you want low cost insurance quotes, ask all companies you are considering which discounts you may be entitled to. Discounts might not be offered in your area. To locate insurance coverage companies with discount insurance coverage rates, follow this link.

Free car insurance price quotes

Finding cheap 2009 Dodge Challenger car insurance rates can be quick and easy. All that’s required is to take a couple of minutes comparing price quotes online from several insurance companies. Price comparisons can be done using one of these methods.

  1. The easiest and least time consuming way to find low rates is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing repetitive form entry for each company. Completing one form gets prices estimates from all major companies.
  2. A less efficient way to shop for car insurance online requires a visit to the website of each company to complete a price quote. For example, let’s say you want to compare prices for Progressive, GEICO and Allstate. To get rate quotes you would need to go to every website and type in your information over and over, which can be really labor intensive. For a list of companies in your area, click here.
  3. The final way of comparing rate quotes to different agent offices. Shopping for car insurance online has made agencies unnecessary unless you require the personal advice that can only be provided by a licensed insurance agent. Although you can comparison shop your insurance online but buy the policy through an agent.

You can use whichever method you prefer to find lower rates, just compare identical coverage data for every company. If you use unequal deductibles or liability limits it will be next to impossible to decipher which rate is best.

Learn how to find auto insurance at a discount

Many factors are used when you get a price on insurance. Some of the criteria are obvious like an MVR report, although others are not as apparent such as your marital status or your financial responsibility.Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. If you know what determines premiums, this empowers consumers to make smart changes that could result in cheaper rates.

  • Maintain auto insurance coverage – Not having insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, getting caught without coverage may earn you a license revocation or jail time.
  • Liability coverage – The liability coverage on your policy will protect you when you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.
  • High stress job may mean higher rates – Do you work in a high-stress field? Jobs like military personnelair traffic controllers and emergency personnel tend to have higher premium rates attributed to stressful work requirements and incredibly demanding work hours. Conversely, jobs such as scientists, students and homemakers pay the least for Challenger coverage.
  • Too many insurance claims will drive prices up – Car insurance companies provide lower rates to people that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect much higher rates or policy non-renewal. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Teen driver insurance prices – Teenage drivers are statistically proven to be inattentive in a vehicle therefore auto insurance rates are much higher. Adding a inexperienced driver onto your auto insurance can increase premiums substantially. More experienced drivers are shown to be more cautious, tend to cause fewer accidents , and are generally more financially stable.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can help discover if your insurance needs may require specific advice.

  • Am I covered if I hit a deer?
  • Why do I need rental car insurance?
  • What vehicles should carry emergency assistance coverage?
  • What is covered by UM/UIM coverage?
  • What if I total my 2009 Dodge Challenger and owe more than it’s worth?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Big names are not always cheapest

Consumers can’t get away from all the ads that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to try to convey promises about savings just by switching to their company.

Is it even possible that every company can cost less than your current company? It’s all in the words they use.

Most companies quote the lowest rates for the driver that makes them money. One example of a desirable insured may be a married female, has no prior claims, and chooses high deductibles. A customer getting a price quote who meets those qualifications may get the lowest auto insurance rates and will most likely pay quite a bit less when switching companies.

People who do not match the ideal profile will be charged higher rates which leads to the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can make the claims of big savings.

Because every company is different, it is so important to do a rate comparison at every renewal. It’s just not possible to know the company that will be your best fit.

Information about specific coverages

Knowing the specifics of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, fire damage, damage from flooding and rock chips in glass. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not 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. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, medical expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Dodge Challenger.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Collision insurance

This coverage covers damage to your Challenger caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, sideswiping another vehicle, crashing into a ditch, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for funeral costs, nursing services, rehabilitation expenses, ambulance fees and doctor visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

A penny saved is a penny earned

Affordable 2009 Dodge Challenger insurance is available both online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not have rates over the internet and most of the time these small, regional companies sell through independent agents.

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed full coverage and learned later that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the best price.

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