How Much Does 2018 Dodge Challenger Insurance Cost?

Are you confused by the crazy number of insurance coverage choices in your area? people have so many choices to choose from that it can turn into a lot of work to locate the lowest rates.

How much is insurance coverage?

When shopping for insurance coverage there are multiple ways of comparing price quotes from local insurance coverage companies. One of the best ways to find cheaper 2018 Dodge Challenger rates is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

  • Hands down the most simple method consumers can analyze rates is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing separate quotation requests for each price estimate. Filling out one form will get you rate comparisons instantly.It’s the quickest way to get rates.
  • A more difficult way to obtain and compare quotes online is going to the website for each individual company and repeat the quote process again and again. For examples sake, we’ll assume you want to compare prices for State Farm, Esurance and Farmers. In order to get each rate, you would have to go to every website and repeatedly type in your coverage information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you are using apples-to-apples quote information on every quote you get. If you compare different values for each quote it will be nearly impossible to get a fair rate comparison. Even a minor difference in coverage limits may result in large price differences. It’s important to know that comparing all the rates in your area helps improve the odds of finding more affordable insurance.

Smart consumers can lower their insurance costs

Smart consumers have a good feel for the factors that help determine the level of your policy premiums. If you have a feel for what impacts premium levels, this helps enable you to make changes that could result in big savings. Many things are taken into consideration when quoting car insurance. Some are obvious like your driving record, but some are not as apparent like where you live or your vehicle rating.

  • Don’t abuse claims – If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Car insurance companies award better rates to policyholders who only file infrequent claims. Your car insurance is designed for the large, substantial claims.
  • Discounts for auto and home policies – Lots of insurers apply lower prices to clients who carry more than one policy, otherwise known as a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even if you already get this discount, it’s still a good idea to get quotes from other companies to verify if the discount is saving money.
  • Prices increase with policy add-ons – There are a lot of optional add-on coverages that can waste your money on your Challenger policy. Coverage for things like personal injury protection, accidental death, and membership fees may be costing you every month. They may sound like good ideas when you first buy your policy, but if you have no use for them remove them and pocket the money.
  • Save money with high credit – Your credit rating can be an important factor in determining premium rates. If your credit could use some work, you could save money insuring your 2018 Dodge Challenger by spending a little time repairing your credit. Drivers who have very high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower ratings.
  • Occupation impacts prices – Jobs like doctorspolice officers and medical professionals usually pay higher rates than average in part from job stress and long work hours. Conversely, occupations like scientists, students and homemakers have lower than average premiums on Challenger coverage.
  • Buy as much liability coverage as you can afford – The liability section of your policy will protect you when you are responsible for physical damage or personal injury to other. Your policy’s liability insurance provides you with a defense in court starting from day one. Liability is cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Better rates on vehicles with better crash test results – Safer cars get lower rates. Safe vehicles help reduce the chance of injuries in an accident and fewer injuries translates directly to fewer claims and lower rates for you. If your Dodge Challenger is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Accidents can increase costs – How you drive has a huge affect on how much you pay. Having just one chargable violation can bump up the cost by as much as thirty percent. Drivers with clean records receive lower rates than bad drivers. Drivers unfortunate enough to have serious violations like DUI or willful reckless driving may find that they have to to complete a SR-22 with their state in order to continue driving.

More discounts mean cheaper premiums

Insurance coverage is not an enjoyable expense, but you may find discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time of quoting, but a few must be inquired about before you will receive the discount. If you check and find you aren’t receiving every discount possible, you are just wasting money.

  • Senior Citizens – Seniors can get lower premium rates on Challenger coverage.
  • Policy Bundle Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of as much as 10 to 15 percent.
  • Multiple Vehicles – Buying coverage for several vehicles with the same company can reduce the rates for all insured vehicles.
  • Renewal Discounts – A few larger companies give discounts for buying a new policy prior to the expiration date on your current policy. You could save around 10% when you buy auto insurance online.
  • Anti-lock Brakes – Cars with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the medical payments premium.
  • Active Military Service – Having a deployed family member could be rewarded with lower rates.
  • Waiver for an Accident – This one isn’t a discount, but companies like Allstate and Progressive may permit one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote compared to frequent claim filers.

As a sidenote, some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Some of the insurance companies that may offer policyholders these money-saving discounts include:

If you are trying to find affordable auto insurance quotes, ask every company which discounts can lower your rates. A few discounts may not be available in every state. For a list of insurance coverage companies who offer insurance coverage discounts, follow this link.

It’s not one size fits all

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if you could use an agent’s help.

  • Am I covered if my car is in a flood?
  • Do I need replacement cost coverage on my 2018 Dodge Challenger?
  • Can I rent a car in Mexico?
  • Should I put collision coverage on all my vehicles?
  • Does insurance cover tools stolen from my truck?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Specific coverages for a 2018 Dodge Challenger

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, fire damage and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

This coverage protects you from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical services, pain and suffering, bail bonds and attorney fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Collision coverage protection

Collision coverage 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 coverage pays for claims like sustaining damage from a pot hole, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, pain medications and hospital visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. 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 available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Dodge Challenger.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.

Be a smart shopper

Cheaper 2018 Dodge Challenger insurance is attainable from both online companies and from local agencies, so you need to quote auto insurance with both in order to have the best chance of saving money. A few companies do not provide the ability to get quotes online and these regional insurance providers prefer to sell through independent insurance agents.

Throughout this article, we presented some good ideas how you can reduce 2018 Dodge Challenger insurance prices online. The most important thing to understand is the more you quote auto insurance, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from the least-expected company.

Drivers change insurance companies for a number of reasons such as policy cancellation, unfair underwriting practices, questionable increases in premium and even lack of trust in their agent. It doesn’t matter why you want to switch finding a new company is less work than it seems.

To learn more, link through to these articles: