2011 Dodge Challenger Car Insurance Quotes

Comparison shopping for low cost Driversinsurance is always a challenge for drivers who have little experience online insurance quotes. You have so many companies to choose from that it can easily be hard work to compare rates.

Smart consumers take time to get comparison quotes once or twice a year because insurance prices tend to go up over time. Just because you found the best deal on Challenger insurance two years ago you may be paying too much now. There is lot of inaccurate information about insurance on the internet, but I’m going to show you some excellent ideas to put money back in your pocket.

If you have car insurance now, you will be able to lower your premiums substantially using these techniques. This information will tell you how to effectively get price quotes. Although vehicle owners can benefit by having an understanding of how insurance companies sell online and use this information to your advantage.

How to compare free insurance rate quotes

There are a lot of ways you can shop for insurance but there is one way that is more efficient than others. You could spend your day talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to get pricing more quickly.

Most of the best insurance companies belong to an insurance system that enables customers to only type in their quote data once, and at least one company returns a competitive quote based on that information. This eliminates the need for quotation requests for each company you want a rate for.

To access this free quoting program, click here to open in new window.

The only downside to using this type of system is you can’t choose which providers you want to price. So if you want to select individual companies to request quotes from, we put together a list of insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make sure you are using the exact same coverage limits on every quote. If you are comparing different coverage information you will not be able to make an equal comparison. Slightly different insurance coverages can mean a large discrepancy in price. Keep in mind that making a lot of price comparisons helps locate lower pricing. Some companies don’t provide online quotes, so you need to compare rates from those companies as well.

Can switching companies really save?

Respected companies like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make the point of big savings just by moving your auto insurance coverage to their company. But how can every company give you a better price?

Most companies look for specific characteristics for the right customer that makes them money. For example, a driver they prefer may need to be over the age of 45, owns their home, and drives a vehicle with a low ISO rating. Anybody who fits those characteristics will qualify for the lowest prices and will most likely save when they switch companies.

Potential insureds who don’t meet the “perfect” profile will get higher premiums which usually ends up with the customer not purchasing. Company advertisements say “customers who switch” not “everyone who quotes” save that much money. That is how insurance companies can advertise the savings.

This emphasizes why drivers should compare rate quotes every year. You cannot predict which company will give you the biggest savings.

How your Challenger insurance premiums are determined

Many different elements are considered when premium rates are determined. Some factors are common sense like a motor vehicle report, but others are less apparent like where you live or your vehicle rating.Consumers need to have an understanding of the different types of things that come into play when calculating your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that could result in big savings.

  • Liability – Liability insurance is the coverage that protects you in the event that you are ruled to be at fault for personal injury or accident damage. It provides legal defense coverage to attempt to prove you were not liable. It is affordable coverage when compared to the cost of physical damage coverage, so do not skimp.
  • Older drivers are lower risk – More mature drivers are more responsible, file fewer claims and receive fewer citations.Teen drivers are known to be careless and easily distracted when driving so car insurance rates are higher.
  • Higher coverage deductibles cost less – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and having your car stolen. Your deductibles represent how much money the insured will be required to pay if you file a covered claim. The more expense the insured has to pay upfront, the better rate you will receive on Challenger insurance.
  • Low mileage costs less – The more you drive your Dodge annually the more you’ll pay to insure your vehicle. Almost all companies charge rates determined by how the vehicle is used. Vehicles that do not get driven very much qualify for better rates than those used for commuting. Having the wrong rating on your Challenger can result in significantly higher rates. Verify your car insurance coverage shows the correct usage for each vehicle.
  • Deter theft and save – Choosing to buy a car with advanced anti-theft systems can get you a discount on your car insurance. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your vehicle from being stolen.
  • Gals tend to be lower risk – Statistics demonstrate that females take fewer risks when driving. That doesn’t necessarily mean that males are worse at driving than females. Men and women cause auto accidents in similar percentages, but guys have accidents that have higher claims. Not only are claims higher, but men get more serious tickets like driving under the influence (DUI).
  • Choose high IIHS safety ratings and save – Vehicles with high crash test scores get lower rates. These vehicles help reduce the chance of injuries in an accident and fewer injuries means less claims paid which can result in lower premiums. If the Dodge Challenger is rated at a minimum four stars on Safercar.gov you may qualify for a discount.
  • File car insurance claims and pay more – Insurance companies award the best rates to policyholders who only file infrequent claims. If you file a lot of claims you can expect much higher rates or policy non-renewal. Insurance coverage is intended for the large, substantial claims.

Cheaper rates with these car insurance discounts

Some insurance providers don’t always publicize all possible discounts in a way that’s easy to find, so we break down both well-publicized and the harder-to-find credits available to bring down your rates. If you do not check that you are getting every discount you deserve, you are throwing money away.

  • Discounts for Multiple Vehicles – Drivers who insure several vehicles on one policy can get a discount for every vehicle.
  • Renewal Discounts – Some larger companies reward drivers for buying a policy prior to your current policy expiration. Ten percent is about the average savings.
  • Safe Driver Discounts – Insureds who avoid accidents can get discounts for up to 45% lower rates on Challenger insurance than drivers with accidents.
  • Own a Home – Being a homeowner can help you save on car insurance because of the fact that having a home is proof of financial responsibility.
  • Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and will save you 10% or more.

Don’t be shocked that most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, car insurance companies aren’t that generous.

The best car insurance companies and some of their more popular discounts are shown below.

  • American Family offers discounts for early bird, bundled insurance, good student, defensive driver, and multi-vehicle.
  • State Farm discounts include multiple policy, anti-theft, student away at school, safe vehicle, Steer Clear safe driver discount, good driver, and multiple autos.
  • 21st Century offers discounts including air bags, anti-lock brakes, automatic seat belts, teen driver, student driver, and homeowners.
  • Travelers has discounts for hybrid/electric vehicle, payment discounts, continuous insurance, good student, multi-policy, save driver, and IntelliDrive.
  • GEICO policyholders can earn discounts including multi-vehicle, multi-policy, membership and employees, seat belt use, daytime running lights, anti-lock brakes, and defensive driver.

Before purchasing a policy, check with every company to apply every possible discount. Some discounts listed above may not apply to policyholders in every state.

Insurance coverage can get complicated

When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • When should I not file a claim?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my teen driver covered when they drive my company car?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Where can I get insurance after a DUI in my state?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages

Learning about specific coverages of car insurance helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Liability coverages

Liability insurance will cover damages or injuries you inflict on other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as pain and suffering, bail bonds, court costs, medical expenses and attorney fees. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your Challenger resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, sideswiping another vehicle, backing into a parked car, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for hospital visits, prosthetic devices and ambulance fees. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Challenger.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive car insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, hail damage, fire damage, theft and a broken windshield. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Buy online or local, you save

When you buy insurance online, you should never skimp on coverage in order to save money. Too many times, an accident victim reduced liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the best cost, not the least amount of coverage.

You just read many tips how you can shop for 2011 Dodge Challenger insurance online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper insurance. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

Consumers leave their current company for a number of reasons such as lack of trust in their agent, not issuing a premium refund, extreme rates for teen drivers and policy non-renewal. It doesn’t matter why you want to switch switching insurance coverage companies is less work than it seems.

Much more information about insurance coverage can be found below:

Comments About 2011 Dodge Challenger Insurance

  1. Berta Anderson

    This is too expensive. Went with Erie for my Challenger and saved about $430 a year.

  2. Mallory Velasquez

    Live in Los Angeles, CA. Quoted prices online for a 2011 Dodge Challenger. Ended up at about $550 savings annually. Went with GEICO. Even increased coverage a bit. I used their online quote form to compare rates.

  3. Josiah Buckley

    Hope my rates come down. I’m in the suburbs of Nashville, TN. Received prices from Amica, MetLife, and USAA for my Dodge and I think I cut my rates about $40 each month. Ask about discounts. I recommend comparing lots of rates.

  4. Yolonda Hess

    I live just outside Columbus, GA. I quoted with GEICO, The General, and Erie for my 2011 Dodge Challenger and I think I am saving around $70 each month.

  5. Gerald Mccarthy

    I’m in the south part of Cleveland, OH. Can’t remember who all I quoted but I ended up saving about $30 each month. It’s still not cheap enough.

  6. Elke Morton

    Cheaper car insurance is a myth. From south side of Nashville, TN. Checked online prices for a 2011 Dodge Challenger. Ended up at about $300 savings annually. Went with GEICO. Insured with Allstate before. Thankfully I have a good driving record. Bought it from an online quote.

  7. Lynwood Moreno

    I live east of Madison, WI. Compared quite a few companies. Saved right around $50 a month. 21st Century was the most affordable for me. Just go online and compare their rates.

  8. Kraig Howell

    I was with The General last year but switched to Allstate. I live in a small town just outside of New Haven, Connecticut. Insured with Mercury before. I have a teen driver too. It’s still not cheap enough.

  9. Elmer Pearson

    Thanks for putting this site together. I’m in the suburbs of Missoula, MT. Quoted quotes from State Farm, GMAC, and Esurance for my Dodge and I think I am saving around $40 each month. Left MetLife to switch. Teenage drivers are expensive! Wish I didn’t have to insure at all.