How Much Does 2012 Dodge Challenger Car Insurance Cost?

Searching for better insurance rates? Consumers have lots of choices when looking for affordable Dodge Challenger insurance. You can either spend your time struggling with agents trying to get quotes or save time using the internet to make rate comparisons. There are more efficient ways to shop for insurance so you’re going to learn the best way to get price quotes for a new or used Dodge and locate the lowest possible price from both online companies and local agents.

It’s a good habit to check insurance prices at least once a year due to the fact that insurance rates are constantly changing. If you had the lowest price on Challenger coverage a couple years back you can probably find a lower rate today. There is a lot of bad information regarding insurance on the web, but I’m going to show you some proven techniques to put money back in your pocket.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Drivers just need to learn the proper way to get comparison rates online.

Insurance Coverage Prices Online

There are several ways to compare Dodge Challenger insurance coverage quotes, and some are less time-consuming than others. You can waste a few hours (or days) driving to agents in your area, or you could save time and use the web to maximize your effort.

The majority of car insurance companies take part in a program where insurance shoppers only type in their quote data once, and each company returns a competitive quote based on the submitted data. This system prevents you from having to do quote forms to each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one downside to using this type of system is you cannot specify the insurers to receive prices from. So if you prefer to pick from a list of companies to compare, we put together a list of the cheapest insurance coverage companies in your area. Click here to view list.

However you get your quotes, make sure you use exactly the same coverages and limits with each company. If you are comparing different limits and deductibles on each one it will be next to impossible to find the best deal for your Dodge Challenger.

Take discounts and save

Companies offering auto insurance don’t always list all available discounts very well, so we took the time to find both the well known and the harder-to-find discounts you could be receiving. If you don’t get every credit available, you are throwing money away.

  • Student in College – Kids in college living away from home attending college and don’t have a car may qualify for this discount.
  • Homeowners Savings – Owning a house can save you money because of the fact that having a home is proof that your finances are in order.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Life Insurance – Some companies give a break if you buy auto and life insurance together.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.

Drivers should understand that most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.

Companies that may have these discounts are:

Before buying, ask each insurance company how you can save money. All car insurance discounts might not be offered in your area.

Which policy gives me the best coverage?

When choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can help discover whether or not you could use an agent’s help.

  • Do I need PIP coverage since I have good health insurance?
  • What is the minimum liability in my state?
  • Does my 2012 Dodge Challenger need full coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered when pulling a rental trailer?
  • Do I pay less for low miles?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.

Coverages available on your policy

Knowing the specifics of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like X-ray expenses, funeral costs and ambulance fees. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2012 Dodge Challenger.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision – This coverage covers damage to your Challenger resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, hitting a parking meter, sideswiping another vehicle, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability coverages – This coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as funeral expenses, pain and suffering and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, rock chips in glass and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Summing up your insurance search

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced liability coverage limits only to regret they didn’t have enough coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

We just covered some good ideas how you can lower your 2012 Dodge Challenger insurance rates. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from a lesser-known regional company.

Drivers switch companies for many reasons like poor customer service, policy cancellation, delays in responding to claim requests and not issuing a premium refund. It doesn’t matter what your reason, finding a great new company is actually quite simple.

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