2009 Dodge Challenger Car Insurance Cost – 9 Policy Discounts

Want the cheapest insurance coverage rates for your Dodge Challenger? Finding low cost premium rates on insurance coverage may be challenging for people not familiar with shopping for insurance online. Drivers have so many options that it can quickly become more work than you anticipated to find more affordable insurance coverage rates.

It’s important to get comparison quotes occasionally since prices are constantly changing. Even if you got the best deal for Challenger coverage a couple years back there may be better deals available now. Block out anything you think you know about insurance coverage because you’re about to learn one of the quickest ways to find the best coverage while lowering your premiums.

Buying car insurance is not that difficult. In a nutshell, every vehicle owner who shops for insurance coverage most likely will be able to cut their insurance bill. But car owners do need to know the methods companies use to sell insurance online and use this information to your advantage.

How to get auto insurance quotes

Comparing auto insurance rates can be a daunting task if you don’t understand the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can stay home and use the web to accomplish the same thing much quicker.

All the larger companies enroll in a system where prospective buyers complete one form, and at least one company then gives them pricing based on that data. This system prevents you from having to do form submissions to every company.

To compare pricing click here (opens in new window).

The only drawback to comparing rates this way is buyers cannot specifically choose which insurance companies to receive prices from. So if you want to choose specific providers to compare rates, we put together a list of low cost auto insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be sure to compare apples-to-apples coverage limits and deductibles with each company. If you compare mixed coverages you will not be able to get a fair rate comparison. Just a small difference in insurance coverages or limits may result in a large different in cost. And when price shopping your coverage, getting more free quotes will enable you to find the best rates.

Save $412 a year! What?

Big name companies like State Farm and Allstate seem to constantly run ads in print and on television. They all seem to state the claim about how much you will save if you switch your coverage. How does each company give you a better price? Just pay attention to how they say it.

All the different companies give the cheapest rates for the type of insured that will most likely be profitable. An example of a driver they prefer could be between the ages of 30 and 45, has no prior claims, and has great credit. A customer who matches those parameters will get the preferred premium rates and will cut their rates if they switch.

Drivers who fall outside those standards may receive higher premium rates and ends up with the customer not buying. The trick companies use is to say “drivers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s why insurance companies can confidently make it sound like they have such great prices. This emphasizes why it’s extremely important to do a rate comparison at every renewal. Because you cannot predict which insurance companies will provide you with the cheapest premium rates.

Save money with these nine discounts

Car insurance is not inexpensive, but companies offer discounts that can dramatically reduce your bill. Certain credits will be shown when you get a quote, but some need to be manually applied before being credited. If they aren’t giving you every credit possible, you are just wasting money.

  • Driver Training Discounts – Completing a class that teaches safe driver techniques could cut 5% off your bill depending on where you live.
  • Telematics Discount – Policyholders that allow their car insurance company to scrutinize where and when they drive remotely like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they exhibit good driving behavior.
  • Homeowners Discount – Owning a house can help you save on car insurance due to the fact that maintaining a home shows financial diligence.
  • Accident Forgiveness Coverage – This one isn’t a discount, but companies like Allstate, State Farm and GEICO will turn a blind eye to one accident before hitting you with a surcharge if you have no claims prior to being involved in the accident.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premium rates.
  • Resident Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Drive Safe and Save – Accident-free drivers can pay as much as 50% less for Challenger coverage than their less cautious counterparts.
  • Paper-free Discount – Some of the larger companies may give you up to $50 for signing up on the internet.
  • Early Switch Discount – A few companies allow discounts for signing up before your current coverage expires. The savings is around 10%.

You can save money using discounts, but many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. Even though it appears adding up those discounts means a free policy, nobody gets a free ride.

To find car insurance companies who offer car insurance discounts, click this link.

What is the best insurance coverage?

When it comes to buying adequate coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if your situation might need an agent’s assistance.

  • Is extra glass coverage worth it?
  • What companies insure drivers after a DUI or DWI?
  • Is other people’s property covered if stolen from my vehicle?
  • Is a fancy paint job covered?
  • What are the financial responsibility laws in my state?
  • When should I not file a claim?
  • Can my babysitter drive my car?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Information about specific coverages

Learning about specific coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision – Collision insurance covers damage to your Challenger resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, backing into a parked car, crashing into a building, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, falling objects, theft and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Challenger.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for short-term medical expenses like X-ray expenses, ambulance fees, EMT expenses, surgery and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability coverage – This will cover damage or injury you incur to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like attorney fees, medical services, repair bills for other people’s vehicles, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage on a shoestring budget

When shopping online for car insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability coverage limits only to discover later that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

We covered a lot of information how to compare 2009 Dodge Challenger insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even find the most savings is with the least-expected company.

More affordable car insurance can be found online and from local agencies, and you should compare rates from both so you have a total pricing picture. Some insurance providers don’t offer the ability to get a quote online and most of the time these smaller providers provide coverage only through local independent agencies.

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