2017 Dodge Challenger Insurance Cost

Trying to find the cheapest insurance coverage rates for your Dodge Challenger? Have you had enough of trying to scrape together enough money to pay insurance coverage each month? Your situation is no different than many other drivers.

There is such a variety of insurance companies to insure vehicles with, and though it is a good thing to have a choice, it can be more difficult to compare rates.

It’s a great practice to check insurance coverage prices every six months because prices are constantly changing. Even if you think you had the best deal for Challenger insurance a couple years back there may be better deals available now. There are a lot of ways to save on insurance coverage online but I’m going to show you a lot of great tips on how to quit paying high insurance coverage rates.

Choosing the best insurance company for you is quite easy. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. But car owners can benefit by having an understanding of how big insurance companies price insurance differently and apply this information to your search.

Do you qualify for discount car insurance?

Insuring your fleet can be pricey, but there could be significant discounts that can help lower your rates. Most are applied at the time of quoting, but occassionally some discounts must be specially asked for before you will receive the discount.

  • Clubs and Organizations – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your policy.
  • Driving Data Discount – Drivers who elect to allow companies to scrutinize driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they have good driving habits.
  • Federal Employees – Simply working for the federal government can save as much as 8% for Challenger insurance depending on your car insurance provider.
  • Student Discounts – Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and will save you 10% or more.
  • Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts could save 15% off the medical payments premium.
  • Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10% for Challenger insurance.
  • Early Signing – Some larger companies give discounts for signing up prior to the expiration date on your current policy. The savings is around 10%.

A little disclaimer on discounts, most credits do not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, that’s just not realistic.

Insurance companies that have some of the above discounts may include but are not limited to:

If you need lower rates, check with every company what discounts are available to you. Some credits might not be offered everywhere. If you would like to view car insurance companies who offer car insurance discounts, click this link.

What insurance coverages do I need?

When buying proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Is pleasure use cheaper than using my 2017 Dodge Challenger to commute?
  • Is my trailer covered?
  • Does my car insurance cover rental cars?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I break a side mirror?
  • When would I need rental car insurance?
  • Where can I get insurance after a DUI in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Is upholstery damage covered by car insurance?
  • Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

The coverage is in the details

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, ambulance fees, X-ray expenses, nursing services and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance coverage covers 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 coverage pays for claims like falling objects, theft, a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

This will pay to fix damage to your Challenger caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, scraping a guard rail, backing into a parked car, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Auto liability insurance

This coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, emergency aid, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2017 Dodge Challenger.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

In any little way, save everyday

Budget-friendly car insurance is definitely available online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance companies don’t offer online quoting and these smaller providers only sell through local independent agents.

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

More detailed car insurance information can be read in the articles below: