2017 Dodge Challenger Insurance Quotes – 9 Ideas for Cheaper Rates

Searching for cheaper insurance coverage rates for your Dodge Challenger? Nobody looks forward to paying premiums for insurance coverage, especially when the cost is too high.

Due to the increasing number of different company options, it can be hard to locate the right insurance company.

Auto insurance policy discounts

Properly insuring your vehicles can get expensive, but there may be some discounts that can dramatically reduce your bill. Some discounts apply automatically at the time you complete a quote, but occassionally some discounts must be inquired about before they will apply. If you do not double check each discount possible, you are not getting the best rate possible.

  • E-sign – Certain insurance companies give back up to $50 for buying your policy on their website.
  • Telematics Devices – Policyholders that allow driving data collection to analyze when and where they use their vehicle remotely such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they have good driving habits.
  • Memberships – Having an affiliation with a qualifying organization could trigger savings on your bill.
  • Active Service Discounts – Being deployed in the military could trigger a small discount.
  • Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Low annual miles could earn substantially lower prices.
  • Include Life Insurance and Save – Some auto insurance companies give better premium rates if you take out a life policy as well.
  • Homeowners Pay Less – Being a homeowner can save a few bucks since owning and maintaining a home requires a higher level of personal finance.
  • Multiple Cars – Having several vehicles on one policy could earn a price break for each car.

Discounts lower rates, but many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you can get free auto insurance, it just doesn’t work that way. But any discount will bring down the amount you have to pay.

The best auto insurance companies and some of the premium reductions they offer are outlined below.

  • State Farm offers discounts for driver’s education, safe vehicle, good driver, passive restraint, Drive Safe & Save, student away at school, and good student.
  • Esurance has savings for homeowner, anti-theft, anti-lock brakes, paid-in-full, and good student.
  • Progressive offers discounts including homeowner, online quote discount, continuous coverage, multi-vehicle, and good student.
  • Liberty Mutual discounts include exclusive group savings, new graduate, hybrid vehicle, newly retired, and multi-car.
  • Auto-Owners Insurance may have discounts that include teen driver, company car, anti-theft, good student, paperless, and air bags.
  • GEICO has discounts for air bags, multi-vehicle, multi-policy, daytime running lights, federal employee, and driver training.

When getting free car insurance quotes, it’s a good idea to every prospective company how you can save money. Depending on the company, some discounts may not apply to policyholders in your area.

How do I know if I need professional advice?

When choosing coverage, there isn’t really a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if you may require specific advice.

  • Do I need replacement cost coverage on my 2017 Dodge Challenger?
  • What is an SR-22 filing?
  • How high should my medical payments coverage be?
  • I don’t drive much so do I pay less?
  • Should I bundle my homeowners policy with my auto?
  • Should I buy additional glass protection?
  • How can I force my company to pay a claim?
  • Is my trailer covered?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

Collision insurance

This coverage covers damage to your Challenger from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, crashing into a building, sustaining damage from a pot hole, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability insurance

Liability insurance provides protection from injuries or damage you cause to other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like legal defense fees, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from 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 insurance covers things like hail damage, a broken windshield, vandalism, damage from getting keyed and hitting a bird. 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 probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Challenger.

Because many people 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. Normally these coverages are similar to your liability insurance amounts.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills such as EMT expenses, pain medications, prosthetic devices and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

At the end of the day…

We covered a lot of techniques to get a better price on 2017 Dodge Challenger insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting inexpensive car insurance. You may even discover the lowest priced car insurance comes from a smaller regional carrier. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

Some insurance companies do not offer the ability to get quotes online and usually these regional insurance providers only sell coverage through independent agents. Discount 2017 Dodge Challenger insurance can be found online in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates.

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