Easiest Guide to Lower Dodge Challenger Car Insurance Rates

Buyers have lots of choices when searching for low-cost Dodge Challenger insurance. You can either spend your time calling around to get rate comparisons or save time using the internet to get rate quotes.

There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the proper way to quote coverages for a Dodge and locate the lowest possible price.

If you have insurance now or are just looking to switch companies, you can use these tips to shop for the lowest rates and possibly find even better coverage. This article will let you in on how to effectively get price quotes and some tips to save money. Drivers just need to learn the most effective way to find the lowest price over the internet.

What determines your Dodge Challenger insurance premium

It’s important that you understand the rating factors that play a part in calculating your car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with better car insurance rates.

Shown below are some of the factors used by your company to calculate rates.

  • Is your vehicle built for speed? – The type of vehicle you are buying insurance for makes a substantial difference in determining your rates. The cheapest insurance rates are generally reserved for economy passenger vehicles, but other factors influence the final cost greatly. Because the Dodge Challenger is considered a sports car, insurance will be much more than the average rate where you live.
  • Pay less if you’re married – Having a spouse can get you a discount when buying car insurance. Having a significant other means you’re more mature than a single person and it’s proven that drivers who are married are more cautious.
  • Theft deterrents lower rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Adjust deductibles and save – Physical damage deductibles represent how much money you are willing to pay before your car insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims could be colliding with a building, collision with an animal, and burglary. The more expense you’re willing to pay, the less your company will charge you for insurance for Challenger coverage.

Take advantage of discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically when you get a quote, but a few must be specially asked for before being credited. If they aren’t giving you every credit available, you are throwing money away.free  insurance quote

  • Good Students Pay Less – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same car insurance policy could earn a price break for each car.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Paperless Signup – A few companies may give you up to $50 for buying a policy and signing up over the internet.

Drivers should understand that many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will help reduce the amount you have to pay.

For a list of providers with the best car insurance discounts, click this link.

Is there deception in advertising?

Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as State Farm and Allstate. All the ads say the same thing about savings if you change your policy.

How does each company make almost identical claims?

Insurance companies have a certain “appetite” for the driver that earns them a profit. A good example of a preferred risk could be between 30 and 50, owns a home, and has great credit. Any new insured that hits that “sweet spot” will get the preferred rates and therefore will save when switching.

Potential customers who don’t measure up to the requirements will have to pay higher premiums which leads to business going elsewhere. The ads state “customers that switch” not “people who quote” save that much money. This is how companies can truthfully make those claims.

Because of the profiling, it’s extremely important to get as many comparisons as possible. It’s impossible to know which car insurance company will give you the biggest savings.

quote Challenger insurance

A little work can save a LOT of money

Cheaper Dodge Challenger insurance is available online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, high prices, unfair underwriting practices or extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new company is easier than you think.

You just read a lot of tips how to lower your Dodge Challenger insurance rates. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies.