2021 Dodge Challenger Car Insurance Cost in 2024 – 9 Tips for Best Prices

Searching for low-cost insurance for a new or used Dodge Challenger can normally be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the absolute fastest way to compare rates for a new or used Dodge and locate the best price possible.

It’s important to get comparison quotes quite often since rates trend upward over time. Even if you think you had the best premium rates for Challenger coverage a couple years back there is a good chance you can find better prices now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the quickest way to lower your rates without sacrificing coverage.

If you are insured now or are looking for a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. Pricing more affordable coverage is not that difficult. Drivers only need to know the tricks to compare company rates online.

The most recommended method to compare policy rates is to know all the major auto insurance companies actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is provide details including the make and model of your vehicles, whether you are single or married, if you have an active license, and what your job is. Those rating factors is then submitted to multiple different insurance companies and they provide comparison quotes with very little delay.

Nine discounts for lower-cost car insurance quotes

Car insurance is neither fun to buy or cheap, but you may qualify for discounts that may help make it more affordable. A few discounts will be applied when you purchase, but lesser-known reductions have to be specifically requested in order for you to get them.

• Claim Free – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote as opposed to frequent claim filers.
• Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of up to 25% or more.
• Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase a life insurance policy as well.
• Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
• Lower Rates for Military – Being deployed with a military unit could mean lower prices.
• Paper-free Discount – A few car insurance companies give back up to $50 for buying a policy and signing up digitally online.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on medical payment and PIP coverage.
• ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and will save you 10% or more.
• Multi-car Discount – Buying a policy with primary and secondary vehicles on the same car insurance policy can reduce the rates for all insured vehicles.

Policy discounts save money, but most discounts do not apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.

Large car insurance companies and a summarized list of policyholder discounts are shown below.

• Progressive policyholders can earn discounts including good student, continuous coverage, online quote discount, multi-policy, homeowner, and multi-vehicle.
• Farmers Insurance offers premium reductions for switch companies, multi-car, teen driver, distant student, electronic funds transfer, mature driver, and bundle discounts.
• Farm Bureau has discounts for driver training, multi-policy, multi-vehicle, 55 and retired, safe driver, and youthful driver.
• State Farm may have discounts that include multiple policy, safe vehicle, driver’s education, good student, and good driver.
• GEICO offers discounts including multi-vehicle, membership and employees, military active duty, defensive driver, five-year accident-free, and daytime running lights.
• SAFECO may offer discounts for drive less, accident prevention training, teen safe driver, bundle discounts, and homeowner.
• Liberty Mutual discounts include new vehicle discount, good student, exclusive group savings, new move discount, and hybrid vehicle.

When getting a coverage quote, ask each insurance company to apply every possible discount. Some discounts may not be available in your area. To see a list of providers that offer many of these discounts, enter your zip code here.

You may need specialized insurance coverage

When buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions can help discover if your situation could use an agent’s help.

• What if I don’t agree with a claim settlement offer?
• Does my personal policy cover me when driving out-of-state?
• Does coverage extend to a rental car in a foreign country?
• Are all vehicle passengers covered by medical payments coverage?
• Is my ex-spouse still covered by my policy?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Should I have a commercial auto policy?
• Does my 2021 Dodge Challenger qualify for pleasure use?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance ads bend the truth

Consumers can’t avoid all the ads for cheaper auto insurance by State Farm, GEICO and Progressive. They all seem to say the same thing that you can save if you just switch your auto insurance coverage to their company.

How does every auto insurance company give you a lower rate?

Many companies have an ideal profile for the right customer that will generate a profit. For instance, a profitable risk profile may be married and over the age of 30, has never had a claim, and does not commute to work. Any customer who meets those qualifications receives the best premium rates and most likely will save money with a new company.

People who are not a match for those criteria will see a higher premium which results in business not being written. The ad wording is “customers who switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can claim big savings. That is why drivers should compare quotes as often as possible. It’s just not possible to know the company that will be your best fit.

Car insurance 101

Having a good grasp of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability

This can cover damage or injury you incur to people or other property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical services, structural damage, court costs, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for prosthetic devices, ambulance fees, funeral costs, pain medications and EMT expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, hitting a deer, damage from flooding and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Challenger.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision coverage protection

Collision insurance will pay to fix damage to your Challenger resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, damaging your car on a curb, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Be a money saver!

People change insurance companies for a number of reasons such as poor customer service, unfair underwriting practices, questionable increases in premium and delays in responding to claim requests. Regardless of your reason for switching companies, switching insurance companies is actually quite simple.

Some insurance companies do not offer price quotes online and usually these small, regional companies only sell coverage through independent agents. Lower-priced insurance can be bought from both online companies in addition to many insurance agents, so compare prices from both to have the best selection.

When searching for cheaper auto insurance quotes, do not skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced physical damage coverage only to regret that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.