2013 Dodge Challenger Insurance Rates

Want cheaper insurance rates for your Dodge Challenger? No normal person likes buying insurance, especially when they could find better prices if they shop around. Big-name insurance companies like Progressive, State Farm and GEICO all claim big savings, bombarding you with fancy advertisements and it can be hard to see through the deception and take the time to shop coverage around.

Cheap auto insurance rates with discounts

The price of auto insurance can be rather high, but you may be missing some discounts to reduce the price significantly. Some of these disounts will be visible when you complete an application, but some must be asked about prior to getting the savings. If you don’t get every credit available, you are not getting the best rate possible.

  • Employee of Federal Government – Being employed by or retired from a federal job could qualify for a slight premium decrease on Challenger insurance but check with your company.
  • Senior Citizen Discount – If you’re over the age of 55, you are able to get better auto insurance rates on Challenger insurance.
  • Switch and Save Discount – Some auto insurance companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Theft Prevention System – Vehicles that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Distant College Student Discount – Youth drivers who live away from home at college and leave their car at home may be insured at a cheaper rate.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save 10% or more off the PIP or medical payment premium.

Please keep in mind that most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will positively reduce your premiums.

The best auto insurance companies and some of their more popular discounts are included below.

  • State Farm may offer discounts for student away at school, Drive Safe & Save, good driver, good student, and multiple autos.
  • American Family may have discounts that include good driver, multi-vehicle, early bird, air bags, bundled insurance, accident-free, and mySafetyValet.
  • AAA includes discounts for anti-theft, good driver, good student, AAA membership discount, multi-policy, and multi-car.
  • GEICO discounts include multi-vehicle, membership and employees, air bags, anti-theft, driver training, and good student.
  • Mercury Insurance has discounts for anti-theft, low natural disaster claims, annual mileage, good driver, and good student.
  • Farmers Insurance may include discounts for teen driver, good student, multi-car, mature driver, and early shopping.
  • Progressive offers discounts including homeowner, multi-vehicle, good student, continuous coverage, online signing, online quote discount, and multi-policy.

If you need lower rates, check with each company to apply every possible discount. A few discounts might not apply in your area.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there really is no “best” method to buy coverage. Every situation is different so your insurance should reflect that For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Does coverage extend to my business vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does medical payments coverage apply to all occupants?
  • When can I cancel my policy?
  • Does liability extend to a camper or trailer?
  • Do I need PIP coverage since I have good health insurance?
  • Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Don’t listen to company ads

Consumers get pounded daily by advertisements that claim the cheapest rates by companies like Allstate and Progressive. They all say the same thing about saving some big amount after switching your insurance coverage policy to them.

How does every insurance coverage company have lower policy pricing? It’s all in the words they use.

All companies have a certain “appetite” for the type of customer that earns them the highest profit. An example of a driver they prefer should be over the age of 50, has no prior claims, and drives newer vehicles. Anyone who fits that profile will get very good rates and will most likely save when switching.

Insureds who fall short of this stringent profile may be forced to pay higher premiums which translates to the prospect going elsewhere. Company advertisements say “customers that switch” not “everyone that quotes” can save as much as they claim. That’s why companies can truthfully make claims like that. That is why drivers should do a price quote comparison at every renewal. It’s just not possible to know the company that will have the lowest rates for your situation.

Coverage specifics

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement. These are typical coverages offered by car insurance companies.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, crashing into a building, damaging your car on a curb, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, hitting a bird and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses for dental work, pain medications and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2013 Dodge Challenger.

Because many people 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.

Liability auto insurance – This coverage provides protection from damage that occurs to a person or their property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Saving money is sweet as honey

We covered many ways to get a better price on 2013 Dodge Challenger insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates come from the least-expected company. Regional companies can often provide lower premium rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.

Cheaper 2013 Dodge Challenger insurance is possible from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies may not have the ability to get a quote online and most of the time these small, regional companies sell through independent insurance agents.

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