Compare 2012 Dodge Challenger Car Insurance Rates

Trying to find lower insurance coverage rates for your Dodge Challenger? Have you fallen victim to an overpriced insurance coverage policy? You’re in good company because there are many consumers feeling the pinch from expensive insurance coverage.

Consumers have many auto insurance companies to buy insurance from, and even though it’s nice to have multiple companies, more options can take longer to compare rates and cut insurance costs.

It’s smart to do rate comparisons at least once a year because insurance coverage rates are rarely the same from one policy term to another. Even if you got the lowest rate for Challenger insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the best methods to find better rates and still maintain coverage.

The quickest method we recommend to get policy rate comparisons is to know the trick auto insurance companies participate in online systems to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details such as if the car is leased, if you require a SR-22, if your license is active, and driver ages. Your rating data is automatically sent to many highly-rated insurers and you receive quotes within a short period of time.

To start a quote now, click here and enter your zip code.

When in doubt talk to an agent

When choosing adequate coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can help discover if your situation could use an agent’s help.

Do I need rental car coverage?
What is an SR-22 filing?
Should I buy more coverage than the required minimum liability coverage?
What can I do if my company won’t pay a claim?
What if I don’t agree with a claim settlement offer?
Does insurance cover tools stolen from my truck?
What vehicles should carry emergency assistance coverage?
Do I pay less if my vehicle is kept in my garage?
Who is covered by my policy?
How high should my medical payments coverage be?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Liability coverages

This protects you from damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, 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 funeral expenses, pain and suffering, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, hitting a deer, falling objects and vandalism. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Challenger.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as ambulance fees, X-ray expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage pays for damage to your Challenger resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a mailbox, scraping a guard rail, rolling your car, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.