2015 Dodge Challenger Insurance Quotes – 9 Tricks for Cheaper Rates

Want cheaper insurance rates for your Dodge Challenger? I can’t think of a single person who cherishes buying insurance, especially when the price is too high. Since consumers have many options when it comes to insurance, it can be diffult for consumers to choose the most cost effective insurer.

Smart consumers take time to compare prices once or twice a year because rates tend to go up over time. Even if you think you had the best deal on Challenger coverage a year ago you will most likely find a better rate today. There is a lot of wrong information about insurance on the web, but by reading this article, you’re going to learn some good information on how to buy insurance cheaper.

Buying car insurance is not that difficult. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Vehicle owners just need to learn how to shop their coverage around online.

Don’t pay full price with these nine discounts

Companies don’t always publicize every discount very clearly, so we break down some of the best known and also the lesser-known insurance savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Student Driver Training – Have your child take driver’s ed class if offered at their school.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Safety Course Discount – Taking part in a course in driver safety could save 5% or more if you qualify.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get better insurance rates on Challenger coverage.
  • Clubs and Organizations – Affiliation with a professional or civic organization could trigger savings on your policy on Challenger coverage.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Challenger coverage with select insurance companies.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free insurance policy, you’re out of luck.

For a list of insurance companies offering insurance discounts, click this link.

The quickest method we recommend to compare car insurance company rates is to know the trick all the major auto insurance companies provide online access to compare their rates. The only thing you need to do is provide a little information including if you lease or own, the ages of drivers, whether you are single or married, and if it has an anti-theft system. That rating information is submitted instantly to many of the top insurers and you receive quotes immediately.

Your personal situation dictates your coverage

When choosing the best insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that These are some specific questions could help you determine if your situation would benefit from an agent’s advice.

  • What are the financial responsibility laws in my state?
  • When should I drop full coverage on my 2015 Dodge Challenger?
  • How high should my uninsured/underinsured coverage be in my state?
  • Will my rates increase for filing one claim?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my cargo covered for damage or theft?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Insurance coverages and their meanings

Having a good grasp of insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like doctor visits, prosthetic devices, chiropractic care, surgery and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, fire damage, a broken windshield, a tree branch falling on your vehicle and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

This will pay to fix damage to your Challenger caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, rolling your car, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2015 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, pain and suffering, court costs, medical expenses and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Do the work, save more money

In this article, we presented a lot of ways to compare 2015 Dodge Challenger insurance prices online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the lowest premiums are with some of the lesser-known companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible for the lowest price.

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