2010 Dodge Challenger Insurance Cost

Trying to find lower insurance rates for your Dodge Challenger? Are you a victim of an underperforming, overpriced insurance policy? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.

With so many choices, it can be impossible to locate the cheapest insurance company.

Consumers should take time to do price comparisons at least once a year because insurance prices change regularly. Just because you had the best rate on Challenger insurance on your last policy you may be paying too much now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the tricks you need to know to buy cheaper insurance.

This information will introduce you to the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you should be able to cut costs considerably using this strategy. Nevertheless, car owners do need to know how companies price online insurance and use this information to your advantage.

Lower your insurance rates

Many factors are taken into consideration when pricing auto insurance. Most are fairly basic like an MVR report, but some are less apparent such as your marital status or your commute time.

  • Your spouse saves you money – Walking down the aisle may earn you lower rates when shopping for auto insurance. Marriage may mean you are more stable financially and it’s statistically proven that married couples file fewer claims.
  • How old are your drivers? – Inexperience drivers are proven to be careless and easily distracted when driving with friends therefore auto insurance rates are much higher. More experienced drivers have been proven to be more responsible, statistically cause fewer accidents , and usually have better credit.
  • Demanding employer may mean higher auto insurance rates – Occupations such as fire fightersair traffic controllers and accountants are shown to have higher rates than average because of high stress levels and long work days. On the other hand, careers like farmers, athletes and performers generally pay rates lower than average on Challenger insurance.
  • Liability protection safeguards assets – The liability coverage on your policy is the coverage that protects you in the event that a court rules you are at fault for damages from an accident. This coverage provides you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive compared to comp and collision, so drivers should carry high limits.
  • Your gender affects rates – Statistics demonstrate that women are safer drivers than men. It does not mean males are worse at driving than females. Males and females have accidents at a similar rate, but men tend to have higher claims. Men also statistically get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Use one insurance company and save – Most larger auto insurance companies allow discounts for people who have multiple policies with them in the form of a multi-policy discount. Discounts can be five, ten or even twenty percent. Even if you qualify for this discount already, it’s always a smart idea to comparison shop to verify if the discount is saving money. You may still be able to find a better deal by insuring with multiple companies.
  • A lauto insurance lapse is a bad thing – Not maintaining insurance can get you a ticket and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, the inability to provide proof of insurance may result in a steep fine or even jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Pay more by driving carelessly – Drivers who don’t get tickets pay lower auto insurance prices compared to drivers with tickets. Just one speeding ticket can increase the cost of insurance by as much as thirty percent. Drivers unfortunate enough to have dangerous violations like DUI or willful reckless driving may be required to submit a SR-22 form with the DMV in their state in order to keep their license.

How to buy auto insurance online

All the larger auto insurance companies like Allstate, GEICO and Progressive make it easy to get prices for coverage on the web. Getting quotes can be done by anyone because it’s just a matter of typing in your coverage information into the quote form. Upon sending the form, the quote system collects your driving and credit reports and quotes a price based on the data you entered. This simplifies rate comparisons, but the time it takes to visit many different websites and type in the same information is a big time waster. But it’s necessary to have as many quotes as possible in order to find better prices.

The preferred way to locate the lowest prices requires only one form that gets price quotes from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you are able to buy your choice of the quote results.

If a lower price is quoted, you simply finish the application and buy the new coverage. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

To save time and fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend that you enter the limits and deductibles as shown on your current policy. Doing this guarantees you will have rate comparison quotes for similar coverage.

Car insurance ads are enticing

Allstate, GEICO and Progressive regularly use ads on television and other media. They all try to convey promises that you can save if you switch your coverage to them. How can each company offer drivers better rates? Just pay attention to how they say it.

Different companies quote their cheapest rates for the type of driver that is profitable for them. For instance, a preferred risk may be a married female, has a clean driving record, and drives a safe vehicle. Any driver that meets those criteria is entitled to the best price and therefore will cut their rates substantially.

People who don’t meet this stringent profile will be charged higher premium rates and this results in the customer buying from someone else. Company advertisements say “customers who switch” not “everybody who quotes” save money. This is how companies can make claims like that.

Because every company is different, you really need to do a rate comparison at every renewal. It’s not possible to predict with any certainty which company will give you lower prices than your current company.

Cheaper car insurance rates with discounts

Car insurance companies don’t necessarily list every policy discount in an easy-to-find place, so here is a list both the well known and the harder-to-find ways to save on car insurance.

  • Organization Discounts – Participating in a civic or occupational organization is a good way to get lower rates on your next renewal.
  • Distant College Student Discount – who are enrolled in higher education away from home and leave their car at home may be insured at a cheaper rate.
  • Renewal Discounts – Select insurance companies give a discount for signing up prior to your current policy expiring. You can save around 10% with this discount.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts may get savings of 20% or more.
  • Employee of Federal Government – Active or former government employment can earn a discount up to 10% on Challenger insurance with select insurance companies.
  • Own a Home and Save – Just being a homeowner can save a few bucks because owning a home demonstrates responsibility.
  • Data Collection Discounts – Policyholders that allow driving data collection to look at their driving habits through the use of a telematics system such as State Farm’s In-Drive could save a few bucks if they show good driving skills.
  • Early Payment Discounts – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Drive Safe and Save – Safe drivers could pay up to 40% less on Challenger insurance compared to rates paid by drivers with frequent claims.

Don’t be shocked that some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Car insurance companies that possibly offer these money-saving discounts possibly include:

Before buying, ask each company which discounts they offer. Some of the discounts discussed earlier might not be offered in your area. To view insurance companies who offer discounts, click here.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether your personal situation might need professional guidance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is the difference between comprehensive and collision coverage?
  • What are the best liability limits?
  • Should I carry comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Information about specific coverages

Knowing the specifics of car insurance can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement. These are typical coverages offered by car insurance companies.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, a tree branch falling on your vehicle, rock chips in glass, hail damage and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability – This will cover damage or injury you incur to people or other property that is your fault. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, structural damage, loss of income and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Challenger.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Collision coverages – This pays for damage to your Challenger resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like surgery, prosthetic devices, nursing services, dental work and doctor visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop Smart and Save

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped liability limits or collision coverage and found out when filing a claim that they should have had better coverage. The aim is to find the BEST coverage at the best price while still protecting your assets.

You just read a lot of tips how to shop for 2010 Dodge Challenger insurance online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance coverage comes from some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

More information can be found below:

Comments About 2010 Dodge Challenger Insurance

  1. Craig Rutledge

    Thanks for putting this site together. I live on the south side of Kansas City, KS. Can’t remember who all I quoted but I ended up saving about $40 each month. I have several vehicles insured with them.

  2. Belia Powers

    This is too expensive. I’m in the north part of Bridgeport, CT. Quoted prices online for a 2010 Dodge Challenger. Ended up at about $180 savings annually. Went with Allstate.

  3. Ted Howe

    Just my two cents. Lifelong resident of Provo, UT. Got prices from Sentry, Eastwood, GEICO, and Amica for my Dodge and I’m now saving $59 a month. Switched homeowners coverage too.

  4. Sharilyn Porter

    Is a custom audio system covered by insurance?

  5. Esperanza Welch

    I can’t pay high rates. Located in Cedar Rapids, IA. Got prices from Amica, Mercury, and a few others for my 2010 Dodge Challenger and saved about $350 a year. You can get a rate quote online.

  6. Sophie Stafford

    Located in Norfolk, Virginia. Got car insurance quotes from Sentry, Encompass, Allstate, and AAA for my 2010 Dodge Challenger and saved $314 a year. Was with Amica. Have an at-fault accident tho.

  7. Karoline Hinton

    Got pretty cheap 2010 Dodge Challenger insurance from GEICO in Augusta, GA.

  8. Ariel Barlow

    I’m in the east part of Columbus, Ohio. Not sure of all the companies but I ended up saving about $50 each month. Was with Safeco. I’m a pretty low risk driver.

  9. Fidela Brady

    Lifelong resident of Chesapeake, VA. Quoted quotes with GEICO, Hartford, and Encompass for my 2010 Dodge Challenger and saved about $380 a year. Left Western Auto Insurance to switch. Hardly afford to drive anymore.

  10. Ta Rowe

    Like your site, BTW. I live in Houston, TX. I quoted with MetLife, Farmers, Progressive, and Amica for my Challenger and saved about $480 a year. They were helpful in switching over.

  11. Carolin Kerr

    I got decent rates for a 2010 Dodge Challenger in Columbus, Ohio. Ended up at about $570 every six months with Amica. Have a couple speeding tickets too. I used their online quote form to compare rates.

  12. Samira Hinton

    Went with GMAC for my Dodge and am saving around $360 a year. Was with Safeco. I even had a DUI years ago.

  13. Oscar Farley

    Thought I’d throw in my experience. I’m just west of Wilmington, Delaware. Quoted prices online for a 2010 Dodge Challenger. Ended up at about $340 savings annually. Went with 21st Century.

  14. Kenton Lynn

    Will Allstate cancel me if I have an accident?

  15. Luana Whitley

    Great site. I’m just north of Jackson, MS. Received quotes with Auto-Owners, Eastwood, and Nationwide for my Challenger and am saving around $320 a year. Not sure if rates are cheaper online or not.

  16. Nathanael Sanford

    Just my two cents. I’m in the suburbs of Baltimore, Maryland. Got car insurance quotes from AAA, Safeco, and Western Auto Insurance for my Challenger and I’m now saving $65 a month. Left Sentry to switch. Good savings if you bundle.

  17. Bella Dorsey

    Found cheapest coverage with Hartford for my Dodge and am saving around $270 a year. Get lots of quotes to find the best rate.