Save on 2017 Dodge Challenger Car Insurance Cost

Looking for the cheapest insurance rates for your Dodge Challenger? Trying to find cheap insurance may be frustrating for drivers new to online rate comparisons. With a ridiculous number of insurers to choose from, it can turn into a chore to find the perfect company for you.

The purpose of this post is to help you learn how to get online quotes and some money-saving tips. If you have car insurance now, you should be able to cut costs considerably using this information. But car owners need to have an understanding of how companies market on the web because it can help you find the best coverage.

The best way to compare rate quotes is to realize auto insurance companies pay for the opportunity to provide you with a free rate quote. All consumers are required to do is give them some information such as your general credit rating, whether your vehicle is owned or leased, whether you are married, and which vehicles you own. Your details is instantly provided to multiple top-rated companies and you receive quotes instantly to find the best rate.

Don’t overlook these car insurance discounts

Not many people think insurance is cheap, but there could be available discounts that can dramatically reduce your bill. Certain discounts will be applied when you purchase, but some must be specially asked for in order for you to get them.

  • Distant College Student Discount – Kids who live away from home at college and leave their car at home could get you a discount.
  • Organization Discounts – Being in specific professional or occupational memberships or organizations may earn a discount when shopping for car insurance.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings as much as 30%.
  • Driver Safety – Participating in a defensive driver course may get you a small discount and make you a better driver.
  • Anti-lock Brakes – Vehicles with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
  • Discount for Low Mileage – Fewer annual miles on your Dodge can qualify you for discounted rates on garaged vehicles.
  • Cautious Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates for Challenger coverage compared to accident prone drivers.
  • Policy Bundle Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you will save at least 10 to 15 percent or more.

Don’t be surprised that most discount credits are not given to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, companies don’t profit that way.

A list of car insurance companies and a partial list of their discounts include:

  • American Family has savings for Steer into Savings, early bird, TimeAway discount, multi-vehicle, good driver, and air bags.
  • State Farm offers discounts including driver’s education, anti-theft, safe vehicle, multiple policy, and Steer Clear safe driver discount.
  • 21st Century includes discounts for 55 and older, air bags, good student, theft prevention, student driver, early bird, and automatic seat belts.
  • Travelers offers premium reductions for multi-car, multi-policy, early quote, student away at school, continuous insurance, payment discounts, and save driver.
  • GEICO may include discounts for driver training, federal employee, seat belt use, emergency military deployment, and anti-theft.

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts might not be available to policyholders in your area. If you would like to view insurers with significant discounts, click this link.

When to get professional advice

When it comes to buying the best auto insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

  • Am I covered by my spouse’s policy after a separation?
  • What are the best liability limits?
  • Is extra glass coverage worth it?
  • Does car insurance cover theft of personal property?
  • I have health insurance so do I need medical payments coverage?
  • What is the minimum liability in my state?
  • Do I need rental car coverage?
  • Will filing a claim cost me more?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions but you think they might apply to your situation, 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.

Smart consumers save money

Part of the insurance buying process is learning some of the elements that go into determining the price you pay for insurance. If you understand what determines premiums, this helps enable you to make changes that will entitle you to lower insurance prices. Lots of things are used when you get your auto insurance bill. Some factors are common sense such as your driving history, although others are more obscure like where you live or your financial responsibility.

The list below includes a few of the “ingredients” insurance companies consider when setting premiums.

  • Men drivers tend to cost more – The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both genders cause fender benders in similar percentages, but the men tend to have higher claims. They also receive more major tickets like DUI and reckless driving. Male teenagers cause the most accidents and are penalized with high insurance rates.
  • Policy add-ons may not be needed – There are quite a few extra add-on coverages that you can buy on your Challenger policy. Coverages like coverage for rental cars, towing coverage, and extra life insurance coverage may not be needed and are just wasting money. You may think they are a good idea when deciding what coverages you need, but if they’re wasting money remove them from your policy.
  • Always have insurance – Allowing your insurance policy to lapse will be a sure-fire way to increase your insurance rates. In addition to paying higher rates, failure to provide proof of insurance can result in a fine, jail time, or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Driver age impacts costs – Older insureds are more responsible, tend to file fewer claims .Youthful drivers are known to be easily distracted when behind the wheel therefore insurance rates are much higher.

Specific coverages for a 2017 Dodge Challenger

Knowing the specifics of your policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, a broken windshield, damage from getting keyed and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability coverage can cover injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, legal defense fees and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred 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 is very important. Most of the time these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like doctor visits, hospital visits and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage will pay to fix damage to your Challenger from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, hitting a mailbox, scraping a guard rail, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Keep this in mind

Some insurance providers do not offer online price quotes and many times these regional insurance providers only sell coverage through local independent agencies. Cheaper 2017 Dodge Challenger insurance is attainable from both online companies and with local insurance agents, so you need to compare both to have the best selection.

Drivers leave their current company for a variety of reasons including questionable increases in premium, not issuing a premium refund, lack of trust in their agent and even unfair underwriting practices. No matter why you want to switch, finding the right car insurance provider can be pretty painless.

When shopping online for car insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to get the best coverage possible at the best possible price and still be able to protect your assets.

More information is located on the following sites:

Comments About 2017 Dodge Challenger Insurance

  1. Carla Hopper

    Progressive quoted the best rates in Connecticut.

  2. Angelina Burke

    I’m in Aurora, IL. Quoted rates from Hanover, AAA, MetLife, and a couple others for my Dodge and I’m now saving $52 a month.

  3. Noelle Durham

    I got decent rates for a 2017 Dodge Challenger in Mobile, Alabama. Ended up at roughly $550 every six months with Auto-Owners. Left The General to switch.

  4. Kristine Maxwell

    Anyone know of any company in Milwaukee, WI that will insure high risk drivers?

  5. Kevin Hensley

    Got a quote with Farmers for my Challenger and am saving around $490 a year. Teenage drivers are expensive!

  6. Deshawn Mason

    Not sure if this is cheap. From Philadelphia, PA. Received quotes from Allstate, American Family, and Eastwood for my 2017 Dodge Challenger and saved around $570 a year.

  7. Arron Bartlett

    Good detail in your article. From northwest of Rutland, VT. I quoted with Nationwide, Farmers, Progressive, and AIG Insurance for my Dodge and am saving around $420 a year. A clean driving record helps. I quoted rates online then called them.

  8. Meghann Graham

    Is GEICO or Allstate cheaper in Fort Wayne, IN?