Lower Your 2016 Dodge Challenger Insurance Quotes

High-priced Dodge Challenger insurance can take a big chunk out of your personal savings and possibly require you to analyze your spending habits. Comparing rate quotes can save money and help to slash your bill and have more diposable income.

Lots of insurance companies contend for your insurance dollar, so it can be very hard to choose a insurer to get the best rate

Compare free car insurance quotes

Most of the larger companies make it easy to get price estimates direct online. Getting online rates is quite simple as you simply type in your required coverages on the page. Upon sending the form, the quote system automatically orders your driving record and credit report and returns a price based on these factors. This makes it a lot easier to compare rates but the time it takes to visit many different websites and type in your information is repetitive and time-consuming. But it is imperative to do this in order to get better car insurance pricing.

Rate comparisons made easy

The preferred way to compare car insurance pricing uses just one form to obtain quotes from a lot of companies. This type of form saves time, eliminates form submissions, and makes comparison shopping a lot less work. Immediately after you send the form, your coverage is rated with multiple companies and you can pick any of the returned quotes.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process takes less than 15 minutes and can result in significant savings.

To save time and fill out one form to compare multiple rates now, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you duplicate deductibles and limits exactly as shown on your declarations page. Doing this guarantees you’re receiving an apples-to-apples comparison based on similar coverages.

How to know if you need help

When it comes to buying proper insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

  • Why is insurance for a teen driver so high?
  • Do I benefit by insuring my home with the same company?
  • I don’t drive much so do I pay less?
  • What is the difference between comprehensive and collision coverage?
  • Do I need rental car coverage?
  • Should I waive the damage coverage when renting a car?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I drive in a foreign country?
  • Why am I required to buy liability insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Car insurance 101

Understanding the coverages of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by car insurance companies.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for bills for things like funeral costs, chiropractic care, doctor visits, rehabilitation expenses and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive car insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, hail damage and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

This provides protection from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like court costs, repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your Challenger resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Comments About 2016 Dodge Challenger Insurance

  1. Garth Benjamin

    I’m looking for cheaper coverage. I’m in the suburbs of Albuquerque, NM. I quoted with Sentry, Farmers, 21st Century, and American Family for my 2016 Dodge Challenger and I’m now saving $28 a month. They have free quotes online.

  2. Lavenia Roy

    If you don’t have tickets and live in the vicinity of Bellevue, Nebraska, check out 21st Century. You might save some money. I’m a pretty good driver though. Just waiting to see how claims go.

  3. Melodee Frederick

    This is too expensive. I live in a small town just outside of San Jose, CA. Quoted rates from Travelers, Amica, Hartford, and MetLife for my Dodge and saved just over $210 a year. Ask about discounts. Online quotes are the way to go.

  4. Harmony Franco

    I’m in the west part of Honolulu, HI. Can’t remember who all I quoted but I ended up saving about $50 each month. Left Safeco to switch. Thankfully I have a good driving record.

  5. Cuc Sanchez

    If you have a good history and live near North Charleston, South Carolina, check out State Farm. They seem to be cheaper. Thankfully I’m not a high risk driver. It’s easy to compare rates online now.

  6. Ericka Bullock

    What does medical payments cover?

  7. Tobias Hartman

    If you have a good history and live in the vicinity of Shreveport, Louisiana, check out Allstate. You might get cheaper rates. They were helpful in switching over.

  8. Bruce James

    I’ve bought from State Farm forever. Cheapest rates in Paterson, NJ.

  9. Shery Griffin

    I compared a lot of rate quotes for a 2016 Dodge Challenger in Kansas City, Kansas. Ended up at right around $100 every six months with AAA.

  10. Clyde Tanner

    Cheap is not always the best policy. I’m in the suburbs of Lincoln, Nebraska. Went online for free insurance quotes for a 2016 Dodge Challenger. Ended up at about $580 savings annually. Went with 21st Century. Highly recommended.

  11. Virgen Hogan

    Cheap is relative. From northwest of Charleston, SC. Quoted with USAA, Auto-Owners, The General, and MetLife for my Dodge and I’m now saving $54 a month.

  12. Diann Wilder

    GEICO is decent in Los Angeles, California.

  13. Adelle Sears

    If you’re a decent driver and live in the vicinity of Baton Rouge, LA, check out State Farm. They seem to be cheaper. Was with Safeco. It’s still not cheap enough.