2015 Dodge Challenger Insurance Rates – 10 Tricks for Best Quotes

Trying to find better auto insurance rates for your Dodge Challenger? Having to pay for overpriced auto insurance can drain your bank account and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to lower your monthly bill.

With so many auto insurance companies to choose from, it is very difficult to locate the best provider.

These ten discounts can lower your rates

Companies don’t always publicize all their discounts very clearly, so we took the time to find some of the best known and the harder-to-find car insurance savings.

  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Homeowners Savings – Owning a house may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Accident Waiver – A few companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a small decrease in premiums on Challenger coverage.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Early Signing – Some insurance companies reward drivers for switching policies prior to your current policy expiring. This can save 10% or more.
  • Safety Course Discount – Taking a course teaching defensive driving skills could cut 5% off your bill if your company offers it.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you’re out of luck.

A partial list of companies who might offer these discounts are:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Some discounts may not apply in your state.

Different people need different coverages

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions may help highlight if you might need an agent’s assistance.

  • How much liability coverage do I need in my state?
  • Does my 2015 Dodge Challenger qualify for pleasure use?
  • Is my babysitter covered when using my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I pay less for low miles?
  • Can my teen drive my company car?
  • What is an SR-22 filing?
  • Am I covered by my spouse’s policy after a separation?
  • Is upholstery damage covered by car insurance?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance 101

Learning about specific coverages of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Comprehensive coverages

This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, hitting a deer, a broken windshield, vandalism and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like pain medications, surgery and doctor visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

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

Collision can pay for claims such as driving through your garage door, colliding with another moving vehicle, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as attorney fees, medical services, funeral expenses, emergency aid and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Challenger.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Shop around and save

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at a price you can afford.

Cheap 2015 Dodge Challenger insurance can be bought on the web as well as from independent agents, so compare prices from both to have the best rate selection. Some insurance companies don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

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