View 2013 Dodge Challenger Car Insurance Cost

Searching for better insurance rates for your Dodge Challenger? Purchasing the most affordable insurance over the internet is somewhat difficult for consumers not familiar with comparing rates online. With such a large number of choices, how can anyone possibly compare them all to find the lowest price?

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. But consumers should learn the way insurance companies price online insurance and take advantage of how the system works.

Where Can I Get Cheap Insurance?

There are multiple methods you can shop for 2013 Dodge Challenger insurance but some are easier and takes less work. You could waste a few hours talking to local insurance agents in your area, or you could use the internet to quickly compare rates.

Most car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and every company returns a competitive quote determined by their information. This eliminates the need for repetitive form submissions to every company.

To find out how much you’re overpaying now click to open in new window.

The only downside to comparing rates this way is that consumers can’t choose which carriers to get quotes from. If you wish to select specific providers to compare rates, we have a page of companies who write insurance in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you use identical coverage limits for every quote you compare. If your comparisons have unequal deductibles or liability limits it will be impossible to decipher which rate is best. Just a small difference in insurance coverages could mean much higher rates. It’s important to know that quoting more helps locate a lower rate.

Do you qualify for a discount?

Companies do not list all their discounts in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known ways to save on insurance.

  • Auto/Life Discount – Larger companies have better rates if you take out auto and life insurance together.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can get savings up to 30%.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
  • Driver’s Ed – Have your child successfully complete driver’s ed class in high school.
  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Challenger insurance than less cautious drivers.
  • Accident Waiver – Some insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a set time period.

It’s important to note that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way.

Companies who might offer some of the above discounts include:

Before buying, ask all companies you are considering which discounts they offer. Savings may not be available in every state.

What coverages do I need?

When buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different.

These are some specific questions may help highlight if you would benefit from an agent’s advice.

  • If my pet gets injured in an accident are they covered?
  • Are split liability limits better than a combined single limit?
  • Am I covered if my car is in a flood?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the ISO rating for a 2013 Dodge Challenger?
  • Is my cargo covered for damage or theft?
  • When should I drop full coverage on my 2013 Dodge Challenger?
  • Is motorclub coverage worth it?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Specific coverages for a Dodge Challenger

Having a good grasp of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from flooding, hitting a bird and fire damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, backing into a parked car, crashing into a ditch, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as ambulance fees, rehabilitation expenses, chiropractic care, prosthetic devices and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Challenger.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages

This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as attorney fees, funeral expenses, medical services, structural damage and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Keep this in mind

As you prepare to switch companies, do not reduce coverage to reduce premium. Too many times, an insured cut comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. The aim is to find the BEST coverage at the best price.

Insureds leave their current company for a variety of reasons including policy cancellation, poor customer service, unfair underwriting practices or extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company is actually quite simple.

Cheaper 2013 Dodge Challenger insurance can be bought both online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

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