Cheap 2008 Dodge Challenger Car Insurance Quotes

Trying to find better insurance rates for your Dodge Challenger? Pricey Dodge Challenger insurance can bottom out your family’s budget and force you to prioritize other expenses. Doing a rate analysis can help to make sure you’re not throwing money away.

Due to the abundance of options when it comes to insurance, it’s nearly impossible to find the cheapest insurance provider.

It’s important to compare prices occasionally due to the fact that insurance prices go up and down regularly. Even if you think you had the best rates for Challenger insurance at your last renewal the chances are good that you can find a lower premium rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the best methods to find great coverage at a great price.

Smart consumers can slash their insurance costs

Lots of factors are part of the calculation when pricing auto insurance. A few of the factors are predictable like an MVR report, but some are more transparent like where you live and annual miles driven.One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the elements that help calculate the rates you pay for insurance coverage. If you understand what influences your rates, this allows you to make educated decisions that may result in lower insurance coverage prices.

  • Certain employers raise rates – Jobs like military generalspolice officers and stock brokers have higher premium rates attributed to stressful work requirements and long work hours. On the flip side, professions such as farmers, students and homemakers have lower than average premiums for Challenger insurance.
  • Frequent insurance claims increase prices – Auto insurance companies provide the lowest premiums to drivers who file claims infrequently. If you’re an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
  • What are your deductibles? – Physical damage coverage, aka comp and collision, protects your Dodge from damage. Some examples of covered claims are colliding with a building, hitting a deer, and damage caused by flying debris. The deductibles state the amount of money you are required to spend out-of-pocket before your insurance coverage pays a claim. The more of the claim the insured has to pay upfront, the less money you will pay for insurance coverage for Challenger insurance.
  • Premiums for men may be higher – Statistics show females are less aggressive when driving. It does not mean men are WORSE drivers than women. They both are in accidents in similar percentages, but the men cause more damage. They also get ticketed for serious violations like reckless driving and DUI.
  • Marriage is a good thing – Getting married can get you a discount when buying insurance coverage. Marriage usually means you are more mature and responsible and statistics prove married drivers tend to have fewer serious accidents.
  • Your credit rating is important – Credit score is a big factor in calculating your premium rate. If your credit is lower than you’d like, you could potentially save money when insuring your 2008 Dodge Challenger by improving your credit score. Drivers with excellent credit tend to be more responsible as compared to drivers with poor credit scores.

Low cost car insurance quotes

There are a lot of ways you can shop for car insurance but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

All the larger companies belong to an insurance system where prospective buyers submit one quote, and each company then gives them pricing based on the submitted data. This prevents consumers from doing quotation requests to each company.

To compare rates using this form now click here (opens in new window).

The one disadvantage to getting quotes like this is that you can’t choose which providers you want to price. So if you prefer to pick specific providers for rate comparison, we have a page of car insurance companies in your area. Click here to view list.

Whichever method you choose, ensure you are comparing nearly identical quote information on every price quote you get. If each company quotes different coverage information you can’t possibly make a fair comparison for your Dodge Challenger. Slightly different insurance coverages or limits may result in a large different in cost. And when comparison shopping, comparing more company’s prices helps locate more affordable insurance. Some smaller insurers to not give online price quotes, so it’s important to compare price estimates from them as well.

Save $385 a year. For real?

State Farm and Allstate seem to constantly run ads in print and on television. They all seem to advertise claims that you can save after switching your policy. That’s great but how can every company make almost identical claims?

All the different companies provide the lowest rates for the type of insured that is profitable for them. For instance, a profitable customer may need to be a female over age 40, has no claims, and drives a safe vehicle. Any customer that meets those criteria will get a cheap rate quote and is almost guaranteed to save money with a new company.

Insureds who are not a match for those standards will get higher premiums and ends up with the customer buying from a different company. The wording the ads use say “customers who switch” not “everyone that quotes” save that kind of money. That is how companies can make claims like that. Because of the profiling, drivers should compare rate quotes every year. It is just not possible to predict the company that will have the best prices for your profile.

Earn discounts on insurance

Some insurance providers don’t necessarily list every disount available in a way that’s easy to find, so the next list breaks down both the well known and the more hidden credits available to bring down your rates.

  • Cautious Driver Discounts – Drivers who don’t get into accidents may save up to 50% more for Challenger insurance as compared to drivers with claims.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
  • Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks on one policy can get a discount for every vehicle.
  • Air Bags and Passive Restraints – Factory options such as air bags can receive discounts up to 30%.
  • Savings for New Vehicles – Insuring a vehicle that is new can cost up to 25% less because new model year vehicles are generally safer.
  • Seat Belt Usage – Requiring all passengers to buckle up before driving can save up to 15% on the premium charged for medical payments and/or PIP.
  • Claim-Free Discount – Insureds with no claims or accidents have much lower rates as opposed to bad drivers.
  • Defensive Driver Discounts – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
  • Mature Driver Discount – Mature drivers could receive lower premium rates for Challenger insurance.

One last thing about discounts, most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you aren’t that lucky.

Popular insurance companies and a selection of discounts are included below.

  • The Hartford has savings for bundle, good student, vehicle fuel type, anti-theft, air bag, and defensive driver.
  • American Family includes discounts for accident-free, multi-vehicle, bundled insurance, air bags, mySafetyValet, good driver, and TimeAway discount.
  • Progressive may offer discounts for multi-vehicle, online signing, online quote discount, homeowner, continuous coverage, and multi-policy.
  • Travelers may include discounts for early quote, IntelliDrive, multi-policy, hybrid/electric vehicle, continuous insurance, and multi-car.
  • Farmers Insurance may have discounts that include early shopping, multi-car, bundle discounts, pay in full, youthful driver, and switch companies.
  • USAA discounts include new vehicle, multi-policy, family discount, good student, and vehicle storage.
  • Liberty Mutual offers discounts for newly retired, multi-policy, multi-car, teen driver discount, newly married, and safety features.

Before buying, ask every insurance company which discounts can lower your rates. Some credits may not be available in your area.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

  • Does my personal policy cover me when driving out-of-state?
  • Are rental cars covered under my policy?
  • Can I make deliveries for my home business?
  • Am I insured when driving a different vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need replacement cost coverage on my 2008 Dodge Challenger?
  • What is no-fault insurance?
  • Does medical payments coverage apply to all occupants?
  • Am I covered when driving a rental car?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Detailed coverages of your auto insurance policy

Having a good grasp of auto insurance can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most auto insurance policies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as chiropractic care, X-ray expenses, funeral costs and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since 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.

Collision coverage protection

Collision insurance covers damage to your Challenger resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, rolling your car, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Liability coverages

This can cover damage or injury you incur to people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, funeral expenses and court costs. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, rock chips in glass and falling objects. 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 dropping full coverage.

In the end, you save

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. There are too many instances where someone dropped uninsured motorist or liability limits only to find out they didn’t have enough coverage. The aim is to buy enough coverage at a price you can afford.

Low-cost 2008 Dodge Challenger insurance is definitely available from both online companies and also from your neighborhood agents, so you should compare both to have the best selection. Some companies may not offer online quoting and usually these smaller providers prefer to sell through independent agents.

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