Dodge Challenger Insurance Quotes

You have many choices when trying to find low-cost insurance for your Dodge vehicle. You can either buy through a local agent or go online to compare rates from many different companies. Comparing car insurance from online companies can be fast and easy, in addition you might just save a little.

If you've never shopped for car insurance online, you may be confused by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The simplest method to compare Challenger insurance cost involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a Dodge Challenger can vary widely depending on several factors. A few of these criteria are:

Higher performance Challenger vehicles cost more
Any accidents you may have
Home and auto can earn discounts
How you use your vehicle
Optional coverages like vehicle replacement
What you do for a living
The amount of protection requested
Owning a home can lower rates

A final factor that can impact Challenger insurance quotes is the model year. Used vehicles have a much lower replacement value in comparison to older models so the costs to repair may result in lower rates. But new Dodge models may have a trim level with safety features including autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system which can lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Challenger from the following list.

Liability coverage

This coverage provides protection from injuries or damage you cause to a person or their property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying higher limits if possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your Dodge Challenger comprehensive insurance. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Dodge Challenger Insurance Rates?