2016 Dodge Challenger Car Insurance Rates – 6 Policy Discounts

Trying to find the cheapest auto insurance rates for your Dodge Challenger? Saving money on auto insurance might be kind of frustrating for beginners to buying insurance online. With such a large number of agents and insurers to choose from, it can easily be hard work to find more affordable rates.

Shopping for affordable auto insurance coverage is quite easy. Essentially anyone who shops for auto insurance should be able to reduce their rates. But car owners should learn how insurance companies compete online because it can help you find the best coverage.

Take advantage of every car insurance discount

Auto insurance companies don’t always list every discount they offer very well, so we took the time to find both the well known and also the more inconspicuous credits that may apply to you.

  • Professional Memberships – Being in a professional or civic organization may earn a discount when getting a auto insurance quote.
  • Senior Citizens – Seniors could receive a slight reduction on a auto insurance quote on Challenger coverage.
  • Online Discount – Some larger companies give back up to $50 just for signing your application on the web.
  • Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and earn discounts up to 10%.
  • Military Deployment Discount – Being deployed in the military could mean lower rates.
  • Defensive Driver – Successfully completing a safe driver course could cut 5% off your bill and easily pay for the cost of the class.

As is typical with insurance, some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you could get a free car insurance policy, company stockholders wouldn’t be very happy.

A partial list of companies that may include these discounts are:

It’s a good idea to ask all companies you are considering which discounts they offer. Some of the discounts discussed earlier might not be offered in your area. If you would like to see a list of providers with discount rates, follow this link.

How to know if you need help

When choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Am I covered if I wreck a rental car?
  • Should I have a commercial auto policy?
  • If my pet gets injured in an accident are they covered?
  • What vehicles should carry emergency assistance coverage?
  • Is my nanny covered when driving my vehicle?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Be skeptical of car insurance ads

Car insurance providers like State Farm and Allstate regularly use ads in print and on television. They all seem to seem to make the promise about how much you will save if you switch to their company. How does every company have lower policy pricing? This is the trick they use.

All the different companies quote the lowest rates for the type of customer they prefer to insure. One example of a profitable insured may be between the ages of 30 and 50, has a low-risk occupation, and drives a safe vehicle. A customer getting a price quote who matches that profile receives the best prices and most likely will save a lot if they switch.

Potential customers who cannot meet this stringent profile will be charged a more expensive rate and this results in the prospect going elsewhere. If you pay close attention to the ads, they say “drivers who switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can truthfully lure you into getting a quote.

This illustrates why you absolutely need to compare free auto insurance quotes often. It is just not possible to predict the company that will provide the lowest rates.

Specifics of your auto insurance policy

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability – This provides protection from injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see 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. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like court costs, emergency aid and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, hitting a deer, hail damage, vandalism and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like EMT expenses, surgery, hospital visits and funeral costs. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision – Collision insurance covers damage to your Challenger resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, crashing into a building, backing into a parked car, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

In Summary

We’ve covered a lot of techniques to get a better price on 2016 Dodge Challenger insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding the cheapest auto insurance. Consumers could even find that the best prices are with an unexpected company.

When shopping online for insurance coverage, make sure you don’t buy less coverage just to save a little money. There are too many instances where drivers have reduced liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

Drivers change insurance companies for a number of reasons such as questionable increases in premium, policy non-renewal, policy cancellation and not issuing a premium refund. Regardless of your reason for switching companies, finding the right insurance coverage provider is not as hard as you think.

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