2015 Dodge Challenger Car Insurance Cost – 10 Tips to Save

Consumers have a choice when looking for the best price on Dodge Challenger insurance. They can either waste time contacting agents getting price quotes or use the internet to make rate comparisons. There is a right way and a wrong way to find auto insurance online so you’re going to learn the quickest way to compare rates for a new or used Dodge and find the best price possible.

You need to compare rates occasionally since rates tend to go up over time. Even if you got the best deal on Challenger coverage on your last policy you can probably find a lower rate today. Ignore everything you know about auto insurance because we’re going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

First Step: Get free auto insurance quotes

Lowering your 2015 Dodge Challenger auto insurance rates can be quick and easy. You just have to invest a few minutes to compare rate quotes to find. You can get a good selection of rate quotes using one of these methods.

  • The simplest way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This easy form keeps you from doing multiple quote forms to each individual auto insurance company. One quote request gets prices estimates from auto insurance companies with the best prices. This is by far the quickest method.
  • A more time consuming way to find better pricing is going to the website for each individual company and go through the quote process again. For example, let’s say you want to view quotes from Nationwide, GEICO and Progressive. You would have to spend time going to each site individually to input your insurance information, which can get old fast.

    For a list of companies in your area, click here.

How you compare quotes is your choice, just compare the same quote information for every quote you compare. If your comparisons have different values for each quote then you won’t be able to make a fair rate comparison.

Ten discounts for affordable insurance coverage rates

Insurance coverage is not inexpensive, but you might find some hidden discounts that can help lower your rates. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be manually applied before being credited.

  • Waiver for an Accident – Not really a discount, but some insurance companies will forgive one accident without getting socked with a rate hike if your claims history is clear for a particular time prior to the accident.
  • Mature Driver Discount – Mature drivers are able to get better insurance coverage rates on Challenger coverage.
  • Discounts for Cautious Drivers – Safe drivers can save up to 40% or more on their auto insurance quote on Challenger coverage than drivers with accident claims.
  • Claim Free – Drivers who stay claim-free get the best insurance coverage rates in comparison with accident-prone drivers.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge can earn substantially lower prices.
  • Safety Course Discount – Taking a defensive driver course can save you 5% or more and make you a better driver.
  • New Vehicle Savings – Buying a new car instead of a used car is cheaper because newer models are generally safer.
  • Discounts for Federal Employees – Federal government employees could provide a small rate reduction on Challenger coverage with certain companies.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • ABS Brakes – Cars and trucks with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.

We need to note that some credits don’t apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

A few popular companies and a summarized list of policyholder discounts are detailed below.

  • Farmers Insurance policyholders can earn discounts including switch companies, youthful driver, early shopping, electronic funds transfer, pay in full, and homeowner.
  • Esurance includes discounts for safety device, Switch & Save, claim free, paid-in-full, and renters.
  • State Farm may have discounts that include accident-free, Steer Clear safe driver discount, good driver, multiple policy, driver’s education, and passive restraint.
  • GEICO may include discounts for emergency military deployment, five-year accident-free, air bags, defensive driver, and good student.
  • Allstate offers discounts including premier discount, anti-theft, resident student, EZ pay plan discount, and teenSMART discount.

Before you buy a policy, ask each company which discounts you qualify for. Some of the discounts discussed earlier might not be available to policyholders in your area. To see a list of insurance companies who offer discounts, follow this link.

You may need specialized insurance coverage

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

These are some specific questions can help discover whether your personal situation might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • Should I get collision insurance on every vehicle?
  • How much liability coverage do I need in my state?
  • Which companies will insure high-risk drivers?
  • Does my policy cover my teen driver if they drive my company car?
  • When should I buy a commercial auto policy?
  • Are rental cars covered under my policy?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Detailed coverages of your auto insurance policy

Understanding the coverages of auto insurance can help you determine the best coverages for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Liability coverage

This coverage protects you from damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as funeral expenses, legal defense fees and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, hail damage and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Dodge Challenger.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Coverage for collisions

This coverage will pay to fix damage to your Challenger resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, sideswiping another vehicle, sustaining damage from a pot hole, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses like doctor visits, funeral costs, X-ray expenses, dental work and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Be Smart and Buy Smart

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability coverage limits only to regret they didn’t have enough coverage. Your aim should be to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

You just read many ideas to save on 2015 Dodge Challenger insurance. The most important thing to understand is the more companies you get prices for, the better chance you’ll have of finding inexpensive auto insurance. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising.

Drivers change insurance companies for any number of reasons including an unsatisfactory settlement offer, policy cancellation, delays in responding to claim requests or even lack of trust in their agent. Regardless of your reason, finding a new company is easier than you think.

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