2009 Dodge Challenger Insurance Cost
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UPDATED: May 12, 2022
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Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you’re not the only one. Because there are so many choices of insurance companies, it can be diffult for consumers to find the right insurer.
Consumers need to do rate comparisons once or twice a year due to the fact that insurance rates go up and down regularly. Even if you think you had the best rates for Challenger coverage six months ago there may be better deals available now. Starting now, forget anything you know (or think you know) about car insurance because it’s time to teach you how to quote online to lower your annual insurance bill.
The purpose of this article is to tell you the most effective way to quote insurance and some tricks to saving. If you have car insurance now, you should be able to lower your premiums substantially using these tips. Consumers just need to understand the most effective way to get comparison quotes online.
Some factors that can determine what Dodge Challenger insurance costs
An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
Shown below are some of the factors used by your company to calculate prices.
- Your stress level may be raising your rates – Did you know your auto insurance rates can be affected by your occupation? Occupations like judges, business owners and accountants tend to have higher rates than average because of stressful work requirements and lengthy work days. On the flip side, occupations like actors, athletes and homemakers receive lower rates for Challenger coverage.
- Rate your vehicle for proper use – The more miles you rack up on your Dodge in a year the higher your rate. Most companies rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your auto insurance policy properly reflects how each vehicle is driven, because it can save money. If your policy improperly rates your Challenger can result in significantly higher rates.
- Optional equipment can affect rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
- Don’t skimp on liability – Liability coverage is the protection if a jury decides you are liable for personal injury or accident damage. Liability provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
- Do you need those extra coverages? – There are quite a few add-on coverages that can waste your money if you aren’t careful. Things like personal injury protection, accident forgiveness and motor club memberships may be wasting your money. They may seem like a good idea initially, but if you don’t need them remove them from your policy.
Are you getting all your discounts?
Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically when you get a quote, but some must be specially asked for before being credited. If you don’t get every credit available, you are throwing money away.
- Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
- Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance.
- E-sign – A handful of insurance companies give back up to $50 simply for signing over the internet.
- Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
- Fewer Miles Equal More Savings – Driving fewer miles can earn lower rates on the low mileage vehicles.
- Homeowners Savings – Being a homeowner can help you save on car insurance because maintaining a house requires personal responsibility.
- Driver Safety – Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
- Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
It’s important to note that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will help reduce the cost of coverage.
For a list of companies with discount car insurance rates, click here.
When might I need an agent?
When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation will benefit from professional help.
- Am I covered if I break a side mirror?
- Do I need higher collision deductibles?
- Where can I find high-risk insurance?
- Is my 2009 Dodge Challenger covered for smoke damage?
- Are all vehicle passengers covered by medical payments coverage?
- Should I rate my 2009 Dodge Challenger as pleasure use or commute?
- Is my vehicle covered by my employer’s policy when using it for work?
- What is medical payments coverage?
- Do I pay less for low miles?
- Am I getting all the discounts available?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Insurance coverage considerations
Having a good grasp of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.
Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like damaging your car on a curb, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.
Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as hitting a bird, a tree branch falling on your vehicle and vandalism. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Dodge Challenger.
Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Liability insurance – Liability insurance can cover damage or injury you incur to other’s property or people in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for claims like medical services, court costs, bail bonds and structural damage. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as X-ray expenses, ambulance fees, nursing services and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Don’t break the bank
Throughout this article, we presented a lot of information how to shop for 2009 Dodge Challenger insurance online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced insurance comes from a small local company. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.
The cheapest insurance is possible both online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide the ability to get a quote online and these regional insurance providers work with independent agents.
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