2013 Dodge Challenger Insurance Quotes

Finding low-cost insurance for your Dodge Challenger can turn out to be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to find car insurance online and we’ll show you the absolute fastest way to compare rates on a Dodge and find the best price possible either online or from local insurance agents.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but you may find discounts to help offset the cost. A few discounts will automatically apply at the time of quoting, but some must be inquired about before you get the savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills can save you 5% or more if you qualify.
  • College Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because maintaining a house shows financial diligence.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Accident Forgiveness – Certain companies permit an accident before your rates go up if your claims history is clear for a certain period of time.
  • Low Mileage – Keeping the miles down on your Dodge could be rewarded with better rates on cars that stay parked.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.

Drivers should understand that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will reduce the amount you have to pay.

A partial list of companies that may offer these benefits include:

Before buying, ask every prospective company which discounts they offer. Savings might not be offered everywhere.

Finding Car Insurance Deals

Effectively comparing car insurance prices can take time and effort if you don’t understand the most efficient way to do it. You can waste a few hours (or days) talking to insurance agencies in your area, or you could use online quoting to get prices fast.

The majority of car insurance companies participate in an industry program that enables customers to enter their policy data once, and at least one company can give them a price based on the submitted data. This saves time by eliminating form submissions for every car insurance company.

To enter your information into the quoting system, click here to open in new window.

The one downside to comparing rates this way is that consumers can’t choose the companies you want to price. So if you prefer to pick specific providers to compare prices, we have a page of car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make absolute certain that you use identical coverage information with each company. If each company quotes different limits and deductibles on each one it’s impossible to find the best deal for your Dodge Challenger.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if your situation may require specific advice.

  • Should I carry comprehensive and collision coverage?
  • Who is covered by my policy?
  • What if I don’t agree with a claim settlement offer?
  • Should I buy full coverage?
  • Am I covered when delivering products for my home-based business?
  • How much underlying liability do I need for an umbrella policy?
  • What is medical payments coverage?
  • Is extra glass coverage worth it?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Auto insurance coverage information

Understanding the coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Challenger.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Auto liability – Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as funeral expenses, attorney fees, court costs, bail bonds and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for bills for dental work, surgery, ambulance fees and funeral costs. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto insurance – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, fire damage and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Be a smart shopper

Consumers change insurance companies for any number of reasons including lack of trust in their agent, questionable increases in premium, denial of a claim or not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company can be less work than you think.

In this article, we covered a lot of information how to save on 2013 Dodge Challenger insurance. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from the least-expected company.

Cost effective insurance can be sourced on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

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