Cheap 2012 Dodge Challenger Insurance Quotes

Searching for better insurance prices for your Dodge Challenger could be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to compare insurance coverage rates so we’re going to tell you the quickest way to get price quotes for a Dodge and find the lowest possible price from both online companies and local agents.

First Step: Get free auto insurance quotes

Finding a lower price on 2012 Dodge Challenger insurance is an easy way to save money. The only thing you need to do is take a couple of minutes to get quotes online with multiple companies. Price comparisons can be done in several different ways.

  • One of the fastest ways to get quotes would be an industry-wide quote request form click here to open form in new window. This quick form keeps you from doing separate quotes for every company. One quote request compares rates from multiple companies.It’s the quickest way to get rates.
  • A more time consuming way to compare rate quotes consists of going to the website for every company you want to comare and request a quote. For instance, we’ll pretend you need rates from Allstate, State Farm and Progressive. To do that, you would have to navigate to each company’s site and enter your policy data, which can get rather old. For a list of companies in your area, click here.
  • The old school method to get rate quotes is calling or driving to insurance agents’ offices. Buying insurance online eliminates the middleman unless you prefer the personal advice that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to comparison shop your insurance online and have a local agent actually service the policy.

You can use whichever method you prefer to find lower rates, just be sure to compare the exact same quote data for every quote you compare. If you enter differing limits it’s not possible to make an equal comparison.

Lower rates by qualifying for discounts

Companies that sell car insurance do not advertise all possible discounts very clearly, so the list below details a few of the more common and also the lesser-known credits available to bring down your rates.

  • Save with More Vehicles Insured – Drivers who insure more than one vehicle on a single policy may reduce the rate for each vehicle.
  • Homeowners Discount – Owning your own home or condo may earn you a small savings because owning a home requires personal responsibility.
  • Government Employee Discount – Employees or retirees of the government can earn a discount up to 10% on Challenger insurance but check with your company.
  • Defensive Driving Course – Taking a course that instructs on driving safety could possibly earn you a 5% discount depending on where you live.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up may be able to save a few bucks off PIP or medical payments premium.
  • Resident Student – Kids who live away from home to go to college without a vehicle on campus may be insured at a cheaper rate.
  • Paperwork-free – A few larger online companies will discount your bill up to fifty bucks for buying your policy on your computer.
  • Discount for Life Insurance – Insurance coverage companies who offer life insurance give a discounted insurance coverage rate on car insurance if you buy a life insurance policy as well.

You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, that’s just not realistic.

Large insurance coverage companies and a partial list of their discounts are included below.

  • State Farm offers discounts including multiple policy, good driver, student away at school, driver’s education, good student, Steer Clear safe driver discount, and Drive Safe & Save.
  • Progressive has savings for homeowner, multi-policy, online signing, good student, continuous coverage, online quote discount, and multi-vehicle.
  • Progressive may include discounts for multi-policy, multi-vehicle, good student, online quote discount, online signing, continuous coverage, and homeowner.
  • MetLife offers premium reductions for multi-policy, claim-free, good student, good driver, and accident-free.
  • Farm Bureau offers discounts for good student, driver training, safe driver, youthful driver, multi-vehicle, multi-policy, and 55 and retired.
  • GEICO policyholders can earn discounts including daytime running lights, multi-vehicle, federal employee, driver training, and defensive driver.
  • SAFECO may have discounts that include teen safety rewards, drive less, multi-car, safe driver, and accident prevention training.

When getting a coverage quote, ask each company which discounts you may be entitled to. A few discounts may not apply to policyholders in your area.

Insurance is unique, just like you

When buying coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • Does insurance cover damages from a DUI accident?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my Dodge Challenger covered if I use it for business?
  • Are split liability limits better than a combined single limit?
  • How do I insure my teen driver?
  • Should I waive the damage coverage when renting a car?
  • What discounts do I qualify for?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages and their meanings

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Coverage for liability

Liability insurance can cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, medical services and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, fire damage, damage from getting keyed, a broken windshield and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision insurance covers damage to your Challenger resulting from colliding with an object or car. 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 scraping a guard rail, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills for dental work, doctor visits and surgery. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage