2009 Dodge Challenger Insurance Quotes – 7 Policy Discounts

Trying to find the cheapest insurance rates for your Dodge Challenger? Are you sick and tired of trying to scrape together enough money to make your insurance payment? You are no different than many other consumers. Multiple car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company to find the absolute best rate

Cheap auto insurance rates with discounts

Some providers don’t always list every disount available very well, so the list below gives a summary of some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online.

• Accident Forgiveness – Not a discount per se, but some companies like Progressive, Allstate, and Geico may permit one accident without getting socked with a rate hike so long as you are claim-free before the accident.
• Multi-car Discount – Purchasing coverage when you have several vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
• Discounts for Responsible Drivers – Drivers without accidents can save up to 40% or more on their insurance quote for Challenger coverage than less cautious drivers.
• Policy Bundle Discount – If you have multiple policies with one company you could save at least 10 to 15 percent or more.
• Claim-Free Discount – Good drivers with no accidents get the best auto insurance rates in comparison with policyholders that have many claims.
• Senior Citizen Discount – Seniors can possibly qualify for a slight reduction on a insurance quote for Challenger coverage.
• Membership in Organizations – Joining specific professional or occupational memberships or organizations could trigger savings on your next auto insurance statement.

You should keep in mind that some credits don’t apply to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Insurance companies who might offer many of the previously listed discounts are:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

Before buying, ask all companies you are considering to apply every possible discount. A few discounts may not apply to policies in your area.

How to compare free auto insurance quotes

Finding a lower price on 2009 Dodge Challenger insurance is actually easier than you may think. The only requirement is to take a few minutes to get quotes to see which company has cheaper insurance quotes. Insurance prices can be quoted in just a few minutes using one of these methods.

• The single most time-saving way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate forms for every auto insurance company. One form gets rate comparisons from all major companies.
• A less efficient way to analyze rates requires visiting each company’s website and fill out a new quote form. For sake of this example, let’s say you want comparison quotes from Allstate, Safeco and State Farm. You would have to navigate to each company’s site and enter your information, which is why the first method is quicker.

  For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but compare nearly identical coverage limits and deductibles for every company. If the quotes have different coverage information it will be very difficult to find the best deal for your Dodge Challenger.

Tailor your auto insurance coverage to you

When buying coverage, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you might need professional guidance.

• Can I drive in Mexico and have coverage?
• Do I have coverage for damage caused while driving under the influence?
• Am I covered if my car is in a flood?
• Do I need an umbrella policy?
• At what point should I drop full coverage?
• Do I really need UM/UIM coverage?
• Is my trailer covered?
• Who is covered by my policy?
• Do I have coverage when making deliveries for my home business?
• Do I need motorclub coverage?

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 agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Knowing the specifics of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses for prosthetic devices, rehabilitation expenses, hospital visits and ambulance fees. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision – This coverage pays for damage to your Challenger from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, hitting a parking meter, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability auto insurance – This coverage protects you from injuries or damage you cause to people or other property. Liability coverage has three 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 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as repair costs for stationary objects, emergency aid and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Dodge Challenger.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, rock chips in glass, hitting a bird and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Buy Smart and Save

In this article, we presented a lot of information how to compare 2009 Dodge Challenger insurance premium rates online. It’s most important to understand that the more price quotes you have, the better likelihood of getting cheap insurance. Consumers could even find that the best price on insurance is with some of the lesser-known companies. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

When getting insurance quotes online, it’s not a good idea to buy less coverage just to save a little money. Too many times, drivers have reduced collision coverage only to regret at claim time that it was a big mistake. The proper strategy is to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Cost effective 2009 Dodge Challenger insurance is possible both online as well as from insurance agents, so get free insurance quotes from both of them to have the best rate selection. Some insurance providers may not offer price quotes online and usually these small, regional companies provide coverage only through local independent agents.

More tips and info about insurance is located in these articles:

• Property Damage Coverage (Liberty Mutual)
• Teen Driver Statistics (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)