View 2014 Dodge Challenger Insurance Quotes

Searching for better insurance prices for a Dodge Challenger could be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to shop for auto insurance so we’re going to tell you the absolute fastest way to get price quotes for a Dodge and obtain the best price possible from both online companies and local agents.

Finding cheaper insurance coverage is simple if you know the tricks. If you have a policy now or are just looking to switch companies, you can use this information to reduce the price you pay and possibly find even better coverage. Vehicle owners just need to learn the proper way to shop their coverage around online.

Compare quotes for insurance

Performing a rate comparison can take time and effort if you don’t understand the best way to get rate quotes. You can spend countless hours driving to insurance companies in your area, or you could use online quotes to get pricing more quickly.

All the larger companies enroll in a system that allows shoppers to complete one form, and each company can give them a price based on that information. This system prevents you from having to do form submissions to each individual insurance company.

To get comparison pricing now click to open in new window.

The one downside to using this type of system is buyers cannot specifically choose which providers you want to price. So if you want to choose from a list of companies to compare rates, we have a page of low cost insurance companies in your area. Click here to view list.

The approach you take is up to you, just be certain you are entering nearly identical coverage information on every price quote you get. If each company quotes unequal deductibles or liability limits it’s impossible to determine the best price for your Dodge Challenger.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether your personal situation could use an agent’s help.

• What if I don’t agree with a claim settlement offer?
• Is my 2014 Dodge Challenger covered for flood damage?
• Am I covered if my car is in a flood?
• Is my cargo covered for damage or theft?
• Is rental equipment covered for theft or damage?
• Do I have coverage when pulling a U-Haul trailer?
• Is a new car covered when I drive it off the dealer lot?
• Is motorclub coverage worth it?
• Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Insurance coverages and their meanings

Having a good grasp of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability auto insurance

This provides protection from damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like legal defense fees, bail bonds, court costs and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Challenger.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, hitting a parking meter, backing into a parked car, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive insurance

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from flooding. The maximum amount a 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 it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like nursing services, X-ray expenses and hospital visits. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay