2013 Dodge Challenger Car Insurance Rates

Searching for the cheapest auto insurance rates for your Dodge Challenger? Are you tired of robbing Peter to pay Paul to insure your Dodge every month? You are no different than the majority of other car owners.

Drivers have multiple auto insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it makes it harder to locate the cheapest rates.

Finding Car Insurance

Shopping for lower car insurance rates can be exhausting if you don’t utilize the best way to get rate quotes. You could waste a few hours discussing policy coverages with agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most of the larger companies take part in a program where prospective buyers submit one quote, and every company then gives them pricing based on the submitted data. This system prevents you from having to do quote requests for each company.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you are unable to specify the companies to get quotes from. So if you want to choose specific providers to request quotes from, we have a listing of car insurance companies in your area. Click here to view list.

However you get your quotes, make sure you use exactly the same quote information on every quote. If you compare mixed coverages you will not be able to truly determine the lowest rate. Slightly different limits can result in a big premium difference. Just remember that more quotes will improve the odds of getting a lower rate.

Save $461 a year? Really?

Car insurance providers like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all make an identical promise about savings if you switch to their company. How does each company make the same claim? It’s all in the numbers.

All companies have a preferred profile for the type of customer that is profitable for them. An example of a profitable customer could be over the age of 40, insures multiple vehicles, and has great credit. Any new insured who meets those qualifications gets the lowest rates and therefore will cut their rates substantially.

Potential insureds who do not match the “perfect” profile will be quoted higher rates and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” not “people who quote” save that kind of money. That’s why companies can truthfully claim big savings.

This emphasizes why you should get as many comparisons as possible. It’s not possible to predict the company that will have the lowest Dodge Challenger insurance rates.

Parts of the Dodge Challenger rate equation

It’s important that you understand the factors that go into determining the price you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that will entitle you to lower car insurance prices.

  • Protect your assets with liability insurance – Liability insurance is the protection in the event that a court rules you are at fault for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Do you qualify for a multi-policy discount? – The majority of companies will award you with lower prices to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s in your best interest to compare rates to ensure the best deal. Consumers may find a better deal by insuring with multiple companies.
  • Cautious drivers pay less – A bad driving record has a huge affect on how much you pay. Even one ticket can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates compared to drivers with tickets. If you have flagrant violations such as DUI or reckless driving may find they need to file a SR-22 with their state DMV in order to keep their license.
  • Mature drivers pay less – Teenage drivers tend to get distracted easily when driving so car insurance rates are higher. Having to add a young driver to your car insurance policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and are safer drivers.
  • Allowing your policy to lapse raises rates – Not having insurance is against the law and you will pay a penalty because you let your insurance lapse. Not only will rates go up, but being ticketed for driving with no insurance will get you a steep fine or even jail time.You may then be required to prove you have insurance by filing a SR-22 with your state DMV.

Take discounts and save

Properly insuring your vehicles can get expensive, but companies offer discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but less common discounts must be inquired about before they will apply.

  • E-sign – A few companies give back up to $50 just for signing your application digitally online.
  • Accident Waiver – A few companies allow you one accident without raising rates if your claims history is clear for a certain period of time.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. This discount can apply up to age 25.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Challenger coverage with a few insurance companies.
  • Distant Student – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.

It’s important to note that most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky. But all discounts will help reduce your premiums.

A partial list of companies that may have these benefits include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings might not be offered in your state.

Which policy gives me the best coverage?

When buying the right insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might point out if you would benefit from professional advice.

  • When should I not file a claim?
  • Does my 2013 Dodge Challenger need full coverage?
  • Who is covered when they drive my 2013 Dodge Challenger?
  • Is other people’s property covered if stolen from my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does liability extend to a camper or trailer?
  • Do I benefit by insuring my home with the same company?
  • When should my teen driver be added to my policy?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

The coverage is in the details

Knowing the specifics of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for things like EMT expenses, rehabilitation expenses, surgery, funeral costs and prosthetic devices. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

This provides protection from damage that occurs to other people or property. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like emergency aid, pain and suffering, loss of income and structural damage. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Challenger.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive coverage

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

Comprehensive can pay for things like vandalism, falling objects and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

Collision coverage covers damage to your Challenger caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Online plus local equals savings

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

We just covered many tips how you can save on 2013 Dodge Challenger insurance. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Drivers may discover the biggest savings come from some of the lesser-known companies. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm and Allstate.

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