2018 Dodge Challenger Insurance Quotes 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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Trying to find lower car insurance rates for your Dodge Challenger? Are you regretting buying an overpriced car insurance policy? It’s quite common and you’re not alone.

There is such a variety of insurers to pick from, and though it is a good thing to have a choice, lots of choices makes it harder to find the best rates.

Why you might pay lower rates

Many factors are taken into consideration when pricing auto insurance. Some are obvious such as traffic violations, although others are more obscure like where you live or how safe your car is.

Shown below are just a few of the factors companies use to determine rates.

  • Age of drivers – Teenage drivers have been known to be careless and easily distracted in a vehicle so insurance coverage rates are higher. Older, more experienced drivers have been proven to be more responsible, tend to cause fewer accidents .
  • Use credit responsibly and save – Your credit score can be an important factor in calculating your premium rate. People with good credit tend to be more responsible and file fewer claims than drivers with poor credit scores. If your credit history is not that good, you could be paying less to insure your 2018 Dodge Challenger by improving your rating.
  • Small coverages can add up – Insurance policies have a lot of extra bells and whistles that you can buy when buying insurance coverage. Coverages like personal injury protection, towing, and Farm Bureau memberships are some examples. These coverages may sound good initially, but now you might not need them so get rid of them and save.
  • Raising deductibles saves money – Physical damage deductibles represent how much money you are willing to pay out-of-pocket if the claim is covered. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims could be a windshield broken by a bird, damage from fire, and having a roll-over accident. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Challenger insurance.
  • Gaps in coverage mean higher insurance coverage rates – Letting your insurance expire is a sure-fire way to trigger a rate increase. In addition to paying higher rates, being ticketed for driving with no insurance might get you a steep fine or even jail time.

These discounts can reduce car insurance rates

Some providers don’t necessarily list all available discounts in a way that’s easy to find, so here is a list some of the best known and also the more inconspicuous credits available to bring down your rates.

  • Student in College – Youth drivers who attend college more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Save with More Vehicles Insured – Insuring multiple vehicles with one company can reduce rates for all insured vehicles.
  • Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
  • No Claim Discounts – Drivers who don’t have accidents pay much less as compared to drivers with a long claim history.
  • Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off on Challenger insurance with a few car insurance companies.
  • Savings for New Vehicles – Buying coverage on a new vehicle can save up to 30% because new vehicles are generally safer.
  • ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Organization Discounts – Belonging to a professional or civic organization could trigger savings on your bill.

Discounts lower rates, but some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.

A few of the larger companies and a partial list of their discounts are shown below.

  • Progressive has savings for multi-policy, homeowner, online signing, online quote discount, and multi-vehicle.
  • SAFECO may offer discounts for drive less, bundle discounts, multi-car, homeowner, anti-lock brakes, teen safety rewards, and accident prevention training.
  • American Family may include discounts for TimeAway discount, accident-free, good student, Steer into Savings, defensive driver, and multi-vehicle.
  • MetLife has discounts for good student, accident-free, defensive driver, good driver, and claim-free.
  • GEICO policyholders can earn discounts including seat belt use, membership and employees, anti-lock brakes, military active duty, and emergency military deployment.
  • The Hartford offers discounts for defensive driver, bundle, good student, anti-theft, driver training, and vehicle fuel type.

When getting a coverage quote, ask all the companies which discounts you may be entitled to. All car insurance discounts may not apply in every state. To see providers who offer discounts, enter your zip code here.

When do I need an agent’s advice?

When buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions might point out whether or not you will benefit from professional help.

  • Do I need to file an SR-22 for a DUI in my state?
  • At what point should I drop full coverage?
  • Is pleasure use cheaper than using my 2018 Dodge Challenger to commute?
  • Should I get collision insurance on every vehicle?
  • Does liability extend to a camper or trailer?
  • Are my friends covered when driving my 2018 Dodge Challenger?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is a fancy paint job covered?
  • Am I insured when driving a different vehicle?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out your zip code.

Parts of your insurance policy

Knowing the specifics of a insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.

Collision protection

This will pay to fix 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 can pay for claims like sustaining damage from a pot hole, scraping a guard rail, crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, a tree branch falling on your vehicle, falling objects, hitting a bird and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for prosthetic devices, chiropractic care, dental work, nursing services and pain medications. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Challenger.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for liability

Liability insurance will cover damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as repair costs for stationary objects, emergency aid and medical services. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Saving money makes a lot of cents

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. In many cases, drivers have reduced full coverage only to discover later they didn’t have enough coverage. The aim is to buy enough coverage at a price you can afford but still have enough coverage for asset protection.

Cheaper car insurance can be sourced on the web in addition to many insurance agents, and you need to price shop both to have the best selection. Some insurance providers may not have online rate quotes and these smaller providers sell through local independent agents.

You just learned many ideas to save on 2018 Dodge Challenger insurance. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices are with a small mutual company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

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