Cheap 2009 Dodge Challenger Insurance Quotes

Trying to find better car insurance rates for your Dodge Challenger? Expensive car insurance can take a big chunk out of your bank account and make it hard to pay other bills. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet.

With consumers having so many companies and agents to choose from, it is hard for the average consumer to pick the lowest cost company.

Dodge Challenger insurance rates can be determined by these details

An important part of buying insurance is that you know the rating factors that come into play when calculating auto insurance rates. Understanding what controls the rates you pay enables informed choices that may reward you with big savings.

  • Multi-policy discounts can save money – Some insurance companies give discounts to people who buy several policies from them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount, it’s in your best interest to shop around to ensure the best deal.
  • Clean credit earns discounts – A driver’s credit score is a big factor in determining what you pay for auto insurance. So if your credit history is lower than you’d like, you could save money insuring your 2009 Dodge Challenger by improving your credit score. People with good credit tend to be more responsible as compared to drivers with poor credit.
  • Pay less if you’re married – Being married can get you a discount when buying auto insurance. It is viewed as being more mature than a single person and statistics show married drivers get in fewer accidents.
  • Proper usage rating affects rates – The more you drive every year the more you will pay for auto insurance. The majority of insurers charge to insure your cars based on their usage. Cars that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Challenger may be costing you. Verify your auto insurance policy properly reflects the correct driver usage.
  • Big city or small town – Choosing to live in less populated areas can save you money when buying auto insurance. Less people living in that area means fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas tend to have traffic congestion and longer commute times. Longer commute distances means higher likelihood of an accident.
  • Safer occupants lowers premiums – Vehicles with high crash test scores are cheaper to insure. The safest vehicles protect occupants better and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Dodge is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • A lapse in coverage is a bad thing – Allowing your auto insurance policy to lapse will be a guaranteed way to bump up your auto insurance costs. Not only will rates go up, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.
  • Increase deductibles and save – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Dodge. Some instances where coverage would apply are running into the backend of another car, damage from fire, or theft. Physical damage deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more you are required to pay out-of-pocket, the less your auto insurance will be on Challenger coverage.

Compare the Market for Insurance

Performing a rate comparison can be challenging if you aren’t aware of the fastest way to get free quotes. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can utilize online quotes to get prices fast.

Many companies enroll in a system that allows shoppers to enter their coverage request one time, and each participating company then returns a price quote for coverage. This saves time by eliminating repetitive form submissions to every company.

To participate in this free quote system, click to open in new window.

The only drawback to doing it this way is that you can’t choose the providers you want pricing from. So if you prefer to pick specific insurance companies to request quotes from, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be sure to compare identical coverage information for each comparison quote. If you enter different liability limits then you won’t be able to determine the best price for your Dodge Challenger. Quoting even small variations in insurance coverages can mean a large discrepancy in price. It’s important to know that comparing a large number of companies will increase your chances of finding the best rates.

Can you really save that much by switching?

Companies like Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. All the ads have a common claim of big savings if you move to their company. How do they all make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the right customer that earns them a profit. An example of a desirable insured might be profiled as between the ages of 40 and 55, a clean driving record, and has a short commute. A propective insured who meets those qualifications gets the lowest rates and as a result will probably cut their rates substantially.

Potential customers who don’t qualify for the “perfect” profile will have to pay more money which leads to business not being written. The ad wording is “customers that switch” not “people who quote” save that much. This is how companies can claim big savings.

Because of the profiling, it’s extremely important to quote coverage with many companies. It is impossible to predict which insurance companies will give you the biggest savings on Dodge Challenger insurance.

Discounts are basically free money

The price of auto insurance can be rather high, but you may find discounts that you may not know about. Some trigger automatically when you purchase, but some must be manually applied prior to getting the savings.

  • Good Students Pay Less – This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save 10% or more off the personal injury premium cost.
  • Student Driver Training – Have your child complete a driver education course if offered at their school.
  • Paperless Signup – Some insurance companies give back up to $50 simply for signing on their website.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

It’s important to understand that many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous. Any qualifying discounts will cut your premiums.

To see a list of companies with the best auto insurance discounts, follow this link.

Which insurance is the “right” coverage?

When choosing coverage, there really is not a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover if your situation could use an agent’s help.

  • Is my teenager covered with friends in the car?
  • Am I covered if I hit a deer?
  • Do I have any recourse if my insurance company denies a claim?
  • Are split liability limits better than a combined single limit?
  • Are my friends covered when driving my 2009 Dodge Challenger?
  • Am I covered if hit by an uninsured driver?
  • What is PIP insurance?
  • Is my 2009 Dodge Challenger covered for smoke damage?
  • Do I need replacement cost coverage on my 2009 Dodge Challenger?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance 101

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types offered by auto insurance companies.

Liability car insurance

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like legal defense fees, attorney fees, repair bills for other people’s vehicles, bail bonds and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for chiropractic care, rehabilitation expenses and X-ray expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage

This covers damage to your Challenger caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Challenger.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, theft and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

A tidy conclusion

As you shop your coverage around, do not skimp on coverage in order to save money. There are many occasions where someone sacrificed liability coverage limits only to find out that it was a big mistake. Your aim should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Lower-priced 2009 Dodge Challenger insurance can be sourced both online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

We just presented a lot of ways to lower your insurance rates. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the best price on insurance is with a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

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