2014 Dodge Challenger Insurance Rates – 7 Tips to Save

Looking for the cheapest auto insurance rates for your Dodge Challenger? Have you had enough of not being able to afford each month for car insurance? You are no different than the majority of other car owners. Many auto insurance companies compete for your business, so it’s not easy to compare every provider to find the lowest price

You should make it a habit to price shop coverage every six months since rates are constantly changing. Just because you found the best deal for Challenger coverage on your last policy you can probably find a better price now. You’ll find quite a bit of inaccurate information about auto insurance online but by reading this article, you’re going to learn some of the best ways to buy auto insurance cheaper.

If you have a current insurance policy or need new coverage, you can follow these tips to find better prices and still get good coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to learn the proper way to compare company rates over the internet.

Comprehensive Car Insurance Comparison

Shopping for lower car insurance rates is a ton of work if you don’t utilize the fastest way to get free quotes. You could spend your day driving to agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most major companies participate in a marketplace where insurance shoppers send in one quote, and each company returns a competitive quote. This system prevents you from having to do quote forms to each individual car insurance company. To submit your quote information now, click here to start a free quote.

The only drawback to pricing coverage this way is that you can’t choose the insurers to get quotes from. If you wish to select individual companies to compare, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

However you get your quotes, compare identical coverage limits for every quote you compare. If you compare different limits and deductibles on each one it’s impossible to make an equal comparison.

Cut prices on 2014 Dodge Challenger insurance

Car insurance companies don’t always advertise all available discounts in an easy-to-find place, so we break down both the well known and the harder-to-find insurance coverage savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

One Accident Forgiven – Certain companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
Clubs and Organizations – Belonging to a civic or occupational organization could trigger savings when shopping for insurance coverage for Challenger coverage.
Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for Challenger coverage with a few insurance coverage companies.
Bundle and Save – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
Claim Free – Drivers who don’t have accidents pay less as compared to drivers who are more careless.

Keep in mind that most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Car insurance companies that possibly offer these discounts are:

Double check with every prospective company which discounts you may be entitled to. Discounts may not be available everywhere.

Tailor your coverage to you

When choosing coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

Does car insurance cover theft of personal property?
What is no-fault insurance?
Where can I get insurance after a DUI in my state?
Should I buy full coverage?
Should I have a commercial auto policy?
I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages for a Dodge Challenger

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Coverage for collisions

Collision coverage pays for damage to your Challenger caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a ditch and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, damage from flooding, rock chips in glass and hitting a bird. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like EMT expenses, chiropractic care, prosthetic devices, nursing services and hospital visits. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Challenger.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as court costs, repair costs for stationary objects, pain and suffering and medical services. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.