View 2015 Dodge Challenger Insurance Quotes

Are you burned out from wondering where the money will come from each month for insurance coverage? You have the same problem as millions of other vehicle owners. Many insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

First Step: Get free insurance coverage quotes

Most larger insurance companies like State Farm and Allstate provide price estimates on their websites. The process doesn’t take much effort as you just enter the amount of coverage you want into the quote form. Behind the scenes, the company’s rating system requests your credit score and driving record and provides a quote based on these and other factors. Online quotes helps simplify price comparisons, but the process of having to visit several different sites and complete many quote forms gets old quite quickly. But it’s very important to have as many quotes as possible if you want to find a better rate.

The easiest way to find better insurance coverage pricing requires only one form to get prices from multiple companies. It saves time, eliminates repetitive work, and makes price shopping online much easier. As soon as the form is sent, it is quoted and you can choose any of the quotes that you receive. If you find a better price you simply finish the application and purchase the new policy. This process can be completed in less than 10 minutes and can result in significant savings.

To save time and compare rates now, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you input identical to your current policy. Doing this guarantees you are getting a rate comparison based on identical coverages.

Get affordable auto insurance rates with discounts

Some providers do not advertise all disounts in an easy-to-find place, so we took the time to find a few of the more well known as well as the least known credits that you can use to lower your rates.

• Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save 5% or more.
• Accident Forgiveness Coverage – This one isn’t a discount, but companies like Liberty Mutual and Geico will turn a blind eye to one accident without raising rates so long as you are claim-free for a certain period of time.
• Smart Student Discounts – A discount for being a good student can get you a discount of up to 25%. You can use this discount normally until age 25.
• Drive Less and Save – Driving less could qualify for lower rates on the low mileage vehicles.
• Multiple Vehicles – Buying a policy with multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
• Cautious Drivers – Drivers who don’t get into accidents may receive a discount up to 45% for Challenger insurance than drivers with accident claims.
• Safety Course Discount – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
• E-sign – A few larger online companies will provide an incentive simply for signing online.
• Resident Student – who live away from home to go to college without a vehicle on campus could qualify for this discount.

Please keep in mind that most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, nobody gets a free ride.

A few popular companies and the discounts they provide are:

• AAA discounts include education and occupation, good driver, pay-in-full, multi-car, and good student.
• Progressive offers premium reductions for multi-vehicle, homeowner, good student, online quote discount, and multi-policy.
• State Farm may offer discounts for accident-free, Steer Clear safe driver discount, safe vehicle, multiple policy, good driver, and Drive Safe & Save.
• Esurance has savings for paid-in-full, online quote, DriveSense, homeowner, good driver, and Pac-12 alumni.
• Nationwide policyholders can earn discounts including Farm Bureau membership, business or organization, anti-theft, multi-policy, defensive driving, and family plan.

When quoting, ask every company to apply every possible discount. Some of the discounts discussed earlier may not apply everywhere. To see a list of providers with discount rates, click here to view.

Four factors that determine insurance prices

Consumers need to have an understanding of the different types of things that help determine your premiums. When you understand what determines premiums, this allows you to make good choices that could help you find lower auto insurance prices.

• Location can influence price – Having an address in small towns and rural areas has definite advantages when trying to find low car insurance rates. Residents of big cities regularly have congested traffic and more time behind the wheel. Fewer drivers translates into fewer accidents and lower theft and vandalism rates.
• Do safer cars cost less to insure? – Cars with high safety ratings get lower rates. Safer cars help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts which can result in lower premiums. If your Dodge Challenger is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
• Discounts for married couples – Having a spouse can get you a discount on auto insurance. Marriage translates into being more financially stable it has been statistically shown that married drivers get in fewer accidents.
• Women tend to be lower risk – Over time, data shows women are more cautious behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. They both have at-fault accidents in similar percentages, but the males tend to have more serious accidents. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help you determine if your situation would benefit from professional advice.

• What is PIP insurance?
• What are the financial responsibility laws in my state?
• How do I buy GAP insurance?
• Am I covered if my car is in a flood?
• Am I covered when pulling a rental trailer?
• Are split liability limits better than a combined single limit?
• If I drive on a suspended license am I covered?
• Is my teenager covered with friends in the car?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on most insurance policies.

Auto liability

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like structural damage, emergency aid, pain and suffering and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, backing into a parked car, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like pain medications, rehabilitation expenses and chiropractic care. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Challenger.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, hail damage, rock chips in glass, hitting a bird and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

One last thing

We’ve covered many tips how you can lower your 2015 Dodge Challenger insurance prices. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the most savings is with the least-expected company. They may cover specific market segments cheaper than the large multi-state companies such as Progressive or Geico.

Cheaper 2015 Dodge Challenger insurance can be sourced on the web as well as from independent agents, so you need to shop auto insurance with both so you have a total pricing picture. Some insurance companies do not offer online price quotes and most of the time these regional carriers work with independent agencies.

Additional resources

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Understanding your Policy (NAIC.org)
• Information for Teen Drivers (Geico)
• Senior Drivers (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)