2012 Dodge Challenger Insurance Rates – 8 Tips for Best Quotes

Trying to find cheaper insurance coverage rates for your Dodge Challenger? Searching for cheaper insurance for a Dodge Challenger can turn out to be difficult, but you can use the following methods to save time.

There is a better way to buy insurance coverage so we’re going to tell you the proper way to quote coverages on a Dodge and obtain the cheapest rates from local insurance agents and online providers.

How much can you save with these eight discounts?

The cost of insuring your cars can be expensive, but companies offer discounts to cut the cost considerably. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be asked for prior to getting the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Club Memberships – Affiliation with certain professional organizations could qualify you for a break when shopping for auto insurance on Challenger insurance.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Safety Course Discount – Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discount for Life Insurance – Larger companies have a discount if you purchase life insurance from them.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky. But all discounts will help reduce the cost of coverage.

Car insurance companies that may have these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company how you can save money. Some discounts may not be available everywhere.

The best way we recommend to compare rate quotes is to know the trick most insurance companies will pay a fee to compare their rates. The only thing you need to do is give them rating details such as if it has an anti-theft system, if you lease or own, if you have an active license, and the make and model of your vehicles. Your information is instantly sent to multiple car insurance providers and you receive quotes within a short period of time.

How much car insurance do I need?

When choosing the best auto insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique.

For example, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I buy full coverage?
  • Exactly who is provided coverage by my policy?
  • What is no-fault insurance?
  • Is my Dodge Challenger covered if I use it for business?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is upholstery damage covered by car insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Specific coverage details

Knowing the specifics of a car insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hail damage, theft, rock chips in glass and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

This protects you from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like repair costs for stationary objects, attorney fees, court costs and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage

This coverage pays for damage to your Challenger resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like damaging your car on a curb, colliding with a tree, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses such as EMT expenses, pain medications, X-ray expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

And the best car insurance company is…

Insureds change insurance companies for a number of reasons such as denial of a claim, being labeled a high risk driver, unfair underwriting practices and delays in responding to claim requests. No matter why you want to switch, finding the right insurance provider is actually quite simple.

When shopping online for insurance, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

We just covered a lot of tips how to get a better price on 2012 Dodge Challenger insurance. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the biggest savings come from a smaller regional carrier.

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