Compare 2018 Dodge Challenger Insurance Rates

Want cheaper car insurance rates for your Dodge Challenger? If price shopping auto insurance quotes online is new to you, it’s easy to get bewildered by the vast assortment of online car insurance companies and websites that all promise the best rates.

Locating the best car insurance coverage is quite easy. Just about everyone who shops for car insurance will be able to reduce their rates. But vehicle owners need to have an understanding of how insurance companies sell online and apply this information to your search.

Cheaper insurance rates with discounts

Not many people think insurance is cheap, but you may find discounts that many consumers don’t even know exist. Some trigger automatically when you get a quote, but a few need to be inquired about in order for you to get them.

  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Senior Citizen Rates – Older drivers are able to get a small decrease in premiums on Challenger coverage.
  • Service Members Pay Less – Being deployed with a military unit could qualify you for better prices.
  • Paperless Signup – A few larger online companies may give you up to $50 shop auto insurance digitally online.
  • Accident Forgiveness – Not necessarily a discount, but some companies like Geico, Progressive, and Allstate may permit one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Discount for New Cars – Buying a new car instead of a used car can get you a discount since newer vehicles have better safety ratings.
  • Onboard Data Collection – Insureds who allow their insurance company to track driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.
  • Claim-Free Discount – Drivers who don’t have accidents get the best insurance rates as compared to insureds who have frequent claims or accidents.
  • College Student – Youth drivers living away from home attending college and do not have a car may be able to be covered for less.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and will save you 10% or more.

Just know that most of the big mark downs will not be given the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, nobody gets a free ride.

A list of companies and a partial list of their discounts are:

  • Progressive offers premium reductions for online quote discount, multi-vehicle, multi-policy, good student, homeowner, and continuous coverage.
  • MetLife has savings for defensive driver, claim-free, accident-free, good student, good driver, and multi-policy.
  • Mercury Insurance offers discounts for good driver, anti-theft, location of vehicle, multi-policy, annual mileage, accident-free, and ease of repair.
  • Nationwide discounts include Farm Bureau membership, accident-free, defensive driving, multi-policy, anti-theft, easy pay, and family plan.
  • Geico has discounts for driver training, anti-lock brakes, good student, federal employee, and multi-policy.
  • AAA may have discounts that include multi-policy, anti-theft, AAA membership discount, multi-car, pay-in-full, and good driver.

If you need lower rates, check with every insurance company how you can save money. Some discounts might not be offered on policies in your area. If you would like to view insurance companies with the best discounts, click here to view.

Tailor your insurance coverage to you

When buying the best insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions can aid in determining if you might need professional guidance.

  • Is my 2018 Dodge Challenger covered for smoke damage?
  • Am I covered when driving in Canada or Mexico?
  • Does coverage extend to a rental car in a foreign country?
  • What is the difference between comprehensive and collision coverage?
  • What if I owe more than I can insure my car for?
  • What are the best liability limits?
  • Can my teen drive my company car?
  • How high should deductibles be on a 2018 Dodge Challenger?
  • Should I have a commercial auto policy?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

Coverages available on your car insurance policy

Understanding the coverages of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage – This covers damage to your Challenger resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, rolling your car, colliding with a tree and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like funeral costs, dental work and chiropractic care. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your 2018 Dodge Challenger.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability insurance – This coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: 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 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like pain and suffering, repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Summing up your auto insurance search

You just read a lot of techniques to lower your 2018 Dodge Challenger insurance prices. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier.

Budget-friendly auto insurance can be sourced from both online companies as well as from independent agents, and you should be comparing both to have the best selection. Some companies do not provide online rate quotes and these regional carriers only sell coverage through local independent agencies.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

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