Cheap 2013 Dodge Challenger Car Insurance Quotes

Looking for the cheapest insurance coverage rates? Shoppers have many options when shopping for affordable Dodge Challenger insurance. They can either waste time struggling with agents to compare prices or utilize the internet to get rate quotes. There is a better way to find insurance coverage online and we’ll show you the best way to price shop coverage for a Dodge and obtain the best price possible from local insurance agents and online providers.

Compare car insurance rates

The majority of larger companies such as GEICO, State Farm and Progressive allow consumers to get price estimates directly from their websites. Comparing rates online can be done by anyone as you just type in the coverages you want as requested by the quote form. Once you submit the form, their rating system orders reports for credit and driving violations and returns a price determined by many factors.

Online price estimates makes comparing rates easy, but having to visit several different sites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to get many rate quotes if you want to find lower prices.

The smarter way to lower your rates utilizes a single form to obtain quotes from several different companies. This type of form saves time, eliminates form submissions, and makes online shopping much easier to do. After your information is entered, it is quoted with multiple companies and you can pick any one of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. This process takes just a few minutes to complete and may save quite a bit of money.

To quickly compare rates now, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you duplicate the insurance coverages identical to your current policy. This helps ensure you will have rate comparison quotes using the exact same coverages.

Verify you’re applying every discount

Some insurance providers don’t always publicize all possible discounts very clearly, so the list below gives a summary of both well-publicized and the more hidden discounts that you can inquire about if you buy auto insurance online. If you do not check that you are getting every discount you deserve, you’re paying more than you need to.

Good Grades Discount – A discount for being a good student can save 20 to 25%. Most companies allow this discount up to age 25.
Discount for Low Mileage – Driving less may enable drivers to earn discounted car insurancerates on garaged vehicles.
Own a Home and Save – Owning a home can earn you a little savings because it is proof of financial responsibility.
Professional Organizations – Affiliation with qualifying employment or professional organizations could trigger savings on your next renewal.
Data Collection Discounts – Policyholders that allow driving data collection to look at their driving habits by using a telematic data system such as State Farm’s In-Drive may see discounts if they have good driving habits.
Defensive Driver Discount – Taking time to complete a course in driver safety could earn you a small percentage discount if your company offers it.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A list of car insurance companies and some of the discounts can be read below.

American Family may have discounts that include good driver, defensive driver, good student, TimeAway discount, and air bags.
State Farm discounts include defensive driving training, driver’s education, safe vehicle, Drive Safe & Save, anti-theft, good student, and good driver.
21st Century has discounts for driver training, anti-lock brakes, air bags, student driver, good student, and automatic seat belts.
Travelers has savings for student away at school, multi-policy, continuous insurance, home ownership, good student, and new car.
GEICO includes discounts for daytime running lights, anti-lock brakes, federal employee, anti-theft, multi-policy, air bags, and defensive driver.

If you need lower rates, check with every prospective company which discounts they offer. Depending on the company, some discounts may not apply to policyholders in your area.

When should I discuss my situation with an agent?

When it comes to buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions might point out if you might need an agent’s assistance.

Do I need roadside assistance coverage?
Does my policy cover my teen driver if they drive my company car?
Can I drive in Mexico and have coverage?
Can I pay claims out-of-pocket if I buy high deductibles?
Am I covered if my car is in a flood?
Do I have coverage when using my vehicle for my home business?
Do I need rental car coverage?
What is high-risk coverage and where do I buy it?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Parts of your insurance policy

Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your 2013 Dodge Challenger.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverages

This coverage can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means $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 insurance covers claims like structural damage, repair costs for stationary objects, court costs, pain and suffering and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for collisions

This will pay to fix damage to your Challenger from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, sustaining damage from a pot hole, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, vandalism, hail damage and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage pay for expenses such as hospital visits, pain medications and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible