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Dodge Challenger Insurance Rates

You have many choices when shopping for insurance coverage for your Dodge vehicle. You can either buy through an agent or go online to compare insurance costs of many different companies. Buying car insurance from online companies can be fast and easy, in addition you can save money.

If you're new to shopping for car insurance online, you may be confused by the hoards of car insurance companies offering insurance. There are several ways to get quotes and find the best price. The best method to find the cheapest Challenger insurance cost is to get quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine Challenger insurance quotes

Car insurance premiums for a Dodge Challenger can fluctuate considerably depending on several factors. A few of these criteria are:

  • Higher performance Challenger vehicles cost more
  • Accidents raise premiums
  • Multiple policies can save money
  • Use of your vehicle
  • Optional coverages like vehicle replacement
  • Your occupation
  • Insurance coverage level
  • Owning a home can lower rates

An additional factor that helps determine Challenger insurance rates is the year of the vehicle. Older models have a much lower replacement value than newer models so repair costs tend to be lower which may result in lower rates. Although more recent Dodge vehicles may have safety features included like autonomous braking, tire pressure monitors, and dual-stage airbags which may help offset higher rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Challenger from the following list.

Liability coverage - This coverage will cover injuries or damage you cause to other people or property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your Dodge caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. Challenger collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper Challenger insurance rates.

Comprehensive coverage - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. 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 it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and may carry a deductible.

How Much are Dodge Challenger Insurance Rates?