Comparing Car Insurance for a Dodge Challenger Made Easy

Searching for the cheapest insurance for your Dodge Challenger can turn out to be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to buy car insurance so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Dodge and find the cheapest rates.

It’s a good idea to shop coverage around occasionally since insurance rates tend to go up over time. If you had the lowest price on Challenger coverage last year there is a good chance you can find better rates now. Starting right now, block out anything you think you know about car insurance because I’m going to teach you how to use the internet to save money, get proper coverage and the best rates.

Buying car insurance is not rocket science. If you have a current car insurance policy or need new coverage, you can learn to shop for the lowest rates while maximizing coverage. Drivers only need an understanding of the tricks to shop over the internet.

Finding Car Insurance Deals

Most major insurance companies give insurance quotes directly from their websites. Getting online rates is pretty painless as you just type in the coverage amounts you desire as detailed in the form. After you complete the form, the company’s rating system obtains credit information and your driving record and gives you a price quote.

Being able to quote online makes it a lot easier to compare rates but the time it takes to visit different websites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible if you want to find the best price on car insurance.

The easy way to compare rates

A more efficient way to find cheaper rates utilizes a single form that obtains quotes from multiple companies. The form is fast, requires less work, and makes online price comparison a lot less work. Immediately after submitting the form, it gets priced with multiple companies and you can pick any or none of the quote results. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

In order to find out what other companies charge, click here and fill out the form. If you currently have coverage, we recommend you replicate the limits and deductibles just like they are on your policy. This guarantees you will have an apples-to-apples comparison using the exact same coverages.

Lower rates by qualifying for discounts

Companies don’t always publicize every discount very clearly, so we break down some of the best known as well as the least known car insurance savings. If you’re not getting every credit available, you are throwing money away.

• Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.
• Military Rewards – Having a deployed family member may qualify for rate reductions.
• Homeowners Pay Less – Being a homeowner may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.
• Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
• Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
• Accident Free – Good drivers with no accidents can save substantially compared to drivers who are more careless.
• Multiple Vehicles – Insuring multiple vehicles on the same car insurance policy can get a discount on all vehicles.
• Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.

Consumers should know that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

To choose insurers with discount car insurance rates, click here to view.

Parts of the Dodge Challenger rate equation

Consumers need to have an understanding of the factors that go into determining the rates you pay for car insurance. Understanding what impacts premium levels allows you to make educated decisions that can help you get lower car insurance prices.

• Consolidate policies to earn discounts – Some companies will give a discount to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to compare rates to ensure the best deal.
• Higher deductibles cost less – Physical damage deductibles define the amount you are required to spend in the event of a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more money you have to pay, the bigger discount you will receive on Challenger coverage.
• Marriage brings a discount – Being married can actually save you money on your car insurance policy. Having a spouse is viewed as being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
• A lapse in coverage is a bad thing – Letting your insurance expire is a guaranteed way to pay more for car insurance. And not only will your rates increase, getting caught without coverage might get you a license revocation or jail time.You may have to file a SR-22 with your state department of motor vehicles.

Drivers who switch save $411 a year? Really?

Consumers constantly see and hear ads that promise big savings from the likes of State Farm, Allstate and GEICO. They all seem to make an identical promise about savings if you switch your coverage to them.

How can each company make almost identical claims?

Different companies have a preferred profile for the type of customer they prefer to insure. For example, a preferred risk might be over the age of 40, is a homeowner, and has a high credit rating. A driver who matches those parameters will qualify for the lowest rates and most likely will save a lot of money.

Potential customers who don’t meet the “perfect” profile will be charged more money and this can result in the customer not buying. The ads say “customers who switch” not “everyone that quotes” save money. This is how companies can truthfully advertise the savings. That is why drivers must compare many company’s rates. It’s impossible to know which company will have the lowest rates.

Affordable insurance is out there

In this article, we presented many ideas to lower your Dodge Challenger insurance rates. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the best prices are with some of the smallest insurance companies.

Discount Dodge Challenger insurance is possible both online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.