Compare 2016 Dodge Challenger Insurance Quotes

Are you sick and tired of not being able to scrape enough together to insure your Dodge every month? You’re in the same situation as millions of other vehicle owners. Popular companies such as Geico, Progressive and Allstate constantly bombard you with advertising and consumers find it hard to separate fact from fiction and take the time to shop coverage around.

Drivers can save with these rate-reducing discounts

Some companies do not advertise every policy discount very well, so we researched some of the best known and also the lesser-known discounts that may be available.

  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to use their safety belts can save 10% or more on medical payment and PIP coverage.
  • Discount for Home Ownership – Owning your own home or condo can help you save on car insurance since home ownership means you have a higher level of financial diligence.
  • Theft Deterent – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • No Accidents – Insureds who avoid accidents and claims get the best car insurance rates when compared with drivers with a long claim history.
  • Senior Citizens – If you’re over the age of 55, you may receive a small discount on rates for Challenger coverage.

As is typical with insurance, most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, you’re out of luck. But all discounts will definitely reduce your policy premiums.

Insurance companies who might offer these money-saving discounts may include but are not limited to:

When getting a coverage quote, ask every prospective company which credits you are entitled to. Some credits might not be available to policyholders in every state. If you would like to choose from a list of insurers with significant discounts, click here.

Buy car insurance online

Finding more affordable 2016 Dodge Challenger car insurance rates is surprisingly easy. You just have to invest a few minutes comparing free insurance quotes from some recommended companies. Price comparisons can be done in several different ways.

  • Probably the best way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This style of form saves time by eliminating separate forms for every prospective company. One form will get you rate comparisons from multiple low-cost companies.
  • A more time consuming way to find better pricing is to manually visit the website of each company to complete a price quote. For examples sake, we’ll pretend you want comparison quotes from Geico, Esurance and Progressive. In order to get each rate, you would have to go to every website and punch in your information repeatedly, which is why first method is reommended. To view a list of companies in your area, click here.
  • The hardest way to quote and compare insurance rates is driving to local insurance agencies. The fact that you can get quotes online has reduced the need for local agents unless you require the extra assistance only provided by licensed agents. Although, it is possible price shop your coverage online but have a local agent actually write the policy.

The method you choose is up to you, but be sure to compare the exact same deductibles and coverage limits on every quote. If you compare different coverage information you will not be able to decipher which rate is best.

You can change your insurance prices

Many different elements are used in the calculation when quoting car insurance. Some of the criteria are obvious such as traffic violations, although others are not as apparent such as your marital status and annual miles driven.It’s important that you understand some of the things that go into determining your insurance coverage rates. When you know what positively or negatively determines base rates, this allows you to make good choices that may result in big savings.

The factors shown below are some of the major factors insurance coverage companies consider when setting your rates.

  • Claim-free discounts can add up – If you tend to file frequent claims, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Companies provide lower rates to insureds who are not frequent claim filers. Auto insurance is meant to be used in the event of more catestrophic claims.
  • Insurance coverage rates and your vocation – Did you know your occupation can influence how much you pay for insurance coverage? Jobs such as lawyersairline pilots and financial analysts have the highest average rates attributed to job stress and incredibly demanding work hours. Conversely, careers such as scientists, historians and retirees pay the least for Challenger coverage.
  • Premiums are affected by your credit rating – Your credit score is a large factor in calculating your insurance coverage rates. If your credit is lower than you’d like, you could potentially save money when insuring your 2016 Dodge Challenger by taking the time to improve your credit score. Insureds that have high credit scores tend to be less risk to insure as compared to drivers with poor credit.
  • Consider raising physical damage deductibles – Deductibles for physical damage state the amount of money you are required to spend out-of-pocket if you file a covered claim. Physical damage coverage, aka comp and collision, insures against damage to your car. Examples of covered claims would be colliding with a stationary object, damage caused by hail, and damage from wind. The more you have to pay, the less your insurance coverage will be for Challenger coverage.
  • Save by driving less – The more miles you rack up on your Dodge each year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles left parked in the garage cost less to insure than those that get driven frequently. Incorrect rating for your Challenger may be wasting your money. It’s a good idea to make sure your insurance coverage policy properly reflects the correct driver usage.

Do I need special coverages?

When buying coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions could help you determine if your situation might need an agent’s assistance.

  • Is my teen driver covered when they drive my company car?
  • What companies insure drivers after a DUI or DWI?
  • Do I need added coverage for expensive stereo equipment?
  • Should I buy only the required minimum liability coverage?
  • Is a fancy paint job covered?
  • Do I need medical payments coverage since I have good health insurance?
  • When does my teenage driver need to be added to my policy?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Can you really save $470 a year?

Consumers can’t escape the ads for cheaper insurance coverage from companies such as Allstate, Geico and Progressive. They all seem to advertise claims that you’ll save big if you just switch to their company.

How does every company offer you a better deal? Just pay attention to how they say it.

Many companies have a certain “appetite” for the driver that will generate a profit. One example of this type of risk profile should be between the ages of 30 and 45, has other policies, and drives less than 7,500 miles a year. A propective insured who fits those characteristics receives the best car insurance rates and will also pay quite a bit less when switching companies.

Potential customers who fall outside the “perfect” profile will have to pay a more expensive rate and the customer buying from a different company. If you listen to the ad wording, they say “people who switch” not “all people who quote” will save that much if they switch. That is how insurance companies can confidently claim big savings.

Because each company has a different risk profile, drivers must get insurance quotes as often as possible. It is impossible to predict the company that will give you lower premium rates than your current company.

What insurance coverages do you need?

Understanding the coverages of a insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Collision protection

Collision insurance will pay to fix damage to your Challenger resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, rolling your car, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Dodge Challenger.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Auto liability

This coverage will cover injuries or damage you cause to other people or property in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things like pain and suffering, loss of income, emergency aid, medical expenses and structural damage. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, fire damage, hitting a deer and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for EMT expenses, rehabilitation expenses, funeral costs and nursing services. The coverages can be used to cover expenses not covered by 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. Personal Injury Protection is not available in all states and may carry a deductible

Affordable insurance is out there

You just read a lot of ways to compare 2016 Dodge Challenger insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting low cost insurance. You may even discover the lowest prices come from a small local company. These companies may have significantly lower rates on certain market segments than their larger competitors like Progressive or Geico.

Cheap 2016 Dodge Challenger insurance is attainable on the web as well as from independent agents, so you should compare both to have the best rate selection. Some car insurance companies don’t offer rate quotes online and many times these small insurance companies work with independent agencies.

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

More detailed car insurance information can be read at these sites: