2019 Dodge Challenger Insurance Rates in 2024 – 8 Tricks for Cheapest Quotes

Trying to find cheaper insurance rates for your Dodge Challenger? No one gets a kick out of paying for insurance, especially when they are aware that the cost is way too high.

Because there are so many insurance companies to choose from, it’s nearly impossible to choose a more affordable insurance company.

It is always a good idea to price shop coverage once or twice a year since prices are usually higher with each renewal. Even if you got the best price for Challenger insurance six months ago you can probably find a better rate quote now. Forget all the misinformation about insurance because we’re going to show you how to use the internet to save on insurance.

Locating the best coverage is simple if you know the tricks. In a nutshell, everyone who carries insurance coverage stands a good chance to be able to lower their premiums. Nevertheless, consumers should learn the way companies sell online.

The method we recommend to compare car insurance rates takes advantage of the fact most of the larger companies have advanced systems to provide you with a free rate quote. The one thing you need to do is provide details such as if you’re married, your education level, if you have an active license, and which vehicles you own. Those rating factors is then sent to many highly-rated insurers and you receive quotes instantly.

Save $430 a year. For real?

Insurance providers like GEICO, State Farm and Progressive constantly bombard you with ads on television and other media. All the companies state the claim that you can save if you get a free car insurance quote and switch to them. How does every company charge you a lower premium? This is the trick they use.

All companies require specific criteria for the type of customer that will most likely be profitable. A good example of a preferred risk might be over age 30, has a clean driving record, and the vehicle is rated for pleasure use. Any driver who fits those characteristics will get low rates and will save money with a new company.

Potential customers who do not meet these stringent criteria will get higher prices which results in business going elsewhere. The ads say “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can advertise the savings.

This really illustrates why you need to get price quotes at each policy renewal. It is just not possible to predict with any certainty which company will have the best rates at this point in time.

Lower rate quotes by getting these eight discounts

Some providers don’t always advertise all possible discounts in a way that’s easy to find, so the below list has a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates. If you’re not getting every credit you qualify for, it’s possible you qualify for a lower rate.

• Defensive Driver Discounts – Successfully completing a course that instructs on driving safety could cut 5% off your bill and make you a better driver.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the PIP or medical payment premium.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Challenger insurance.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.
• ABS and Traction Control Discounts – Cars with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
• No Accidents – Drivers who stay claim-free pay less when compared to drivers with a long claim history.
• Military Rewards – Being deployed in the military can result in better premium rates.
• Multi-policy Discount – When you have multiple policies and place coverage with the same company you could earn a discount of up to 20% and get you low cost car insurance.

We need to note that some credits don’t apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A few of the larger companies and a summarized list of policyholder discounts are detailed below.

• State Farm has discounts for anti-theft, defensive driving training, driver’s education, passive restraint, student away at school, and good student.
• GEICO may have discounts that include membership and employees, anti-theft, defensive driver, emergency military deployment, military active duty, multi-vehicle, and good student.
• Progressive includes discounts for multi-policy, homeowner, good student, online quote discount, continuous coverage, and multi-vehicle.
• 21st Century discounts include good student, driver training, 55 and older, theft prevention, homeowners, teen driver, and defensive driver.
• American Family offers discounts for accident-free, TimeAway discount, air bags, bundled insurance, and defensive driver.
• The Hartford offers discounts including vehicle fuel type, air bag, good student, anti-theft, bundle, and defensive driver.
• AAA offers premium reductions for multi-car, anti-theft, AAA membership discount, education and occupation, pay-in-full, good driver, and good student.

It’s a good idea to ask each company or agent the best way to save money. Discounts might not be available to policyholders in your area. To choose providers who offer discounts, enter your zip code here.

Your insurance coverage coverage should be tailored to you

When it comes to choosing the best insurance coverage coverage, there isn’t really a cookie cutter policy. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out if you may require specific advice.

• Is my cargo covered for damage or theft?
• Does car insurance cover theft of personal property?
• What if I don’t agree with a claim settlement offer?
• Is extra glass coverage worth it?
• If I drive on a suspended license am I covered?
• Which is better, split liability limits or combined limits?
• Are my friends covered when driving my 2019 Dodge Challenger?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete your zip code.

Car insurance coverages explained

Learning about specific coverages of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Challenger.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses for X-ray expenses, chiropractic care, surgery, ambulance fees and funeral costs. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This coverage covers damage to your Challenger resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, backing into a parked car, colliding with another moving vehicle, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, hitting a bird and damage from a tornado or hurricane. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as loss of income, emergency aid and funeral expenses. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Stretch your dollar

You just learned many ways to get a better price on 2019 Dodge Challenger insurance. It’s most important to understand that the more companies you get car insurance rates for, the higher the chance of saving money. You may even find the lowest priced insurance coverage comes from an unexpected company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.

The cheapest 2019 Dodge Challenger insurance is definitely available on the web and from local insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who don’t offer the ability to get a quote online and these regional carriers prefer to sell through independent agencies.