2014 Dodge Challenger Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 12, 2024

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Finding better insurance prices for a Dodge Challenger can normally be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to buy insurance coverage and we’ll show you the quickest way to get price quotes for a Dodge and obtain the lowest possible price.

Pricing cheaper insurance coverage can be fairly easy. If you have a current insurance coverage policy or are just looking to switch companies, you can use these techniques to get lower rates while maintaining coverages. Consumers just need to learn the tricks to shop their coverage around over the internet.

Insurance Coverage Discounts

Not too many consumers would say insurance coverage is affordable, but you may find discounts to reduce the price significantly. Certain credits will be shown at the time of quoting, but occasionally some discounts must be manually applied before you get the savings. If you are not receiving all the discounts possible, you are just wasting money.

  • Senior Citizen Discount – Seniors can get a slight reduction on a car insurance quote for Challenger insurance.
  • Low Miles Discount – Keeping the miles down on your Dodge can earn discounted rates on garaged vehicles.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle up can save 10% or more off the personal injury premium cost.
  • Military Rewards – Being on active deployment in the military may lower your insurance coverage rates slightly.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could save at least 10 to 15 percent or more.
  • Organization Discounts – Joining qualifying employment or professional organizations could trigger savings when shopping for insurance coverage.
  • Payment Method – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.
  • Multiple Vehicles – Buying a policy with all your vehicles on one policy qualifies for this discount.
  • Early Renewal Discounts – A few insurance coverage companies allow discounts for renewing your policy prior to the expiration date on your current policy. It’s a savings of about 10%.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates you could get a free insurance coverage policy, you aren’t that lucky.

Car insurance companies who may offer these discounts include:

  • State Farm
  • Farmers Insurance
  • Progressive
  • Auto-Owners Insurance
  • The Hartford
  • Farm Bureau
  • USAA

Double check with all companies you are considering how many discounts you can get. Some credits may not apply to policyholders in your state. To locate insurance coverage companies with the best discounts, enter your zip code here.

The best way we recommend to get policy rate comparisons is to take advantage of the fact car insurance companies will pay a fee to compare their rates. To start a quote, the only thing you need to do is provide information such as your general credit rating, if you went to college, how you use your vehicles, and whether your vehicle is owned or leased. Your rating data gets transmitted to many different companies and they provide comparison quotes within a short period of time.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions may help highlight whether you would benefit from professional advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when pulling a rental trailer?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does medical payments coverage apply to all occupants?
  • If I drive on a suspended license am I covered?
  • Am I covered if my car is in a flood?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete your zip code. It’s fast, free and may give you better protection.

Insurance coverages 101

Learning about specific coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverages

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, vandalism, damage from a tornado or hurricane and theft. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as attorney fees, medical services, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, scraping a guard rail, rolling your car, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for dental work, X-ray expenses and pain medications. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

One last thing about your coverage

Lower-priced insurance coverage is definitely available from both online companies in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies do not provide price quotes online and many times these small, regional companies provide coverage only through independent agents.

People change insurance companies for a number of reasons such as unfair underwriting practices, delays in paying claims, questionable increases in premium or even policy non-renewal. It doesn’t matter why you want to switch finding a new company is actually quite simple.

In this article, we presented some good ideas how to get a better price on 2014 Dodge Challenger insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. You may be surprised to find that the biggest savings come from a smaller regional carrier.

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