Compare Dodge Challenger Insurance Quotes in Columbus

To save the most money, the best way to find affordable Dodge Challenger insurance in Columbus is to do a yearly price comparison from different companies that insure vehicles in Ohio. Rates can be compared by completing these steps.

1. Spend some time learning about policy coverages and the steps you can take to keep rates down. Many rating factors that result in higher prices such as careless driving and an imperfect credit score can be improved by being financially responsible and driving safely. Keep reading for more details to get cheaper coverage and find additional discounts you may qualify for.
2. Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO and State Farm, while independent agencies can provide price quotes for many different companies.
3. Compare the new rate quotes to your existing policy to see if switching to a new carrier will save money. If you can save money and change companies, make sure there is no lapse in coverage.
4. Notify your current company of your decision to cancel your current car insurance policy and submit a down payment and signed policy application to your new carrier. When you receive it, place the new certificate of insurance in an easily accessible location in your vehicle.

The key thing to know about shopping around is that you’ll want to compare the same deductibles and limits on each quote request and and to analyze as many companies as feasibly possible. Doing this provides a level playing field and the most accurate and complete price analysis.

Shockingly, a large majority of insurance policyholders have stayed with the same insurance company for at least four years, and virtually 40% of consumers have never compared rates from other carriers. Many drivers in Ohio could cut their rates by $729 a year by just comparing quotes, but they don’t believe the rate savings if they switched.

It’s important to know that comparing more prices increases the chance that you will find more affordable rates. Some regional insurers cannot provide price estimates online, so it’s important to compare quotes on coverage from those companies, too.

The car insurance companies shown below offer comparison quotes in Columbus, OH. If multiple providers are shown, we suggest you visit several of them in order to get a fair rate comparison.

Dodge Challenger insurance coverage information

The coverage table shown below showcases a range of insurance prices for Dodge Challenger models. Learning as much as possible about how insurance quotes are determined can help guide drivers when making decisions when choosing a new policy provider.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in specific location which can modify coverage prices noticeably.

Car insurance deductibles

One of the hardest decisions when shopping for car insurance is how high or low should comp and collision deductibles be. The premium rates below approximate the rate fluctuation between high and low deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price information does not factor in specific location information which can change price quotes substantially.

Based on the figures above, using a $100 deductible costs approximately $30 more each month or $360 each year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 30 months between claim filings, you would probably save some money if you opt for a higher deductible.

An important sidenote is that raising deductibles results in having to pay to pay more out-of-pocket when you have a physical damage claim. You will want to have enough savings in order to pay more to get your vehicle repaired.

The illustration below illustrates how your deductible choice and can impact Dodge Challenger insurance premiums for different insured age categories. The premiums assume a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Three main reasons to buy auto insurance

Even though it’s not necessarily cheap to insure a Dodge in Columbus, paying for auto insurance is required by state law in Ohio and it also provides benefits you may not be aware of.

• Just about all states have minimum liability requirements which means you are required to carry specific limits of liability insurance in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your vehicle, it’s guaranteed your bank will make it a condition of the loan that you buy insurance to guarantee loan repayment. If you do not keep the policy in force, the lender may insure your Dodge at a much higher premium rate and force you to reimburse them for the expensive policy.
• Auto insurance preserves both your car and your personal assets. Insurance will also pay for medical expenses that are the result of an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if anyone sues you for causing an accident. If you have damage to your Dodge as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance are definitely more than the cost, especially if you ever need it. Today the average American driver is currently overpaying as much as $865 each year so you should quote rates each time the policy renews to help ensure money is not being wasted.

Learn How to Quote Insurance at a Discount

Multiple criteria are considered when you get your auto insurance bill. Most are fairly basic such as your driving history, but other factors are more transparent like your vehicle usage and annual miles driven. Part of the insurance buying process is learning some of the elements that play a part in calculating the level of your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that may reward you with big savings.

• A good credit score can save money – Having a bad credit rating is a big factor in determining what you pay. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower credit ratings. So if your credit rating is lower than you’d like, you could be paying less to insure your Dodge Challenger by spending a little time repairing your credit.

• Responsible drivers pay less – Good drivers get better prices than people who have multiple driving citations. Just one driving citation can boost insurance rates to the point where it’s not affordable. Drivers who have flagrant tickets like DWI, reckless driving or hit and run convictions may find that they have to to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.

  The example below illustrates how violations and at-fault accidents can affect Dodge Challenger insurance rates for each different age category. The data is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

• Optional features can affect prices – Choosing to buy a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your car from being stolen.
• Insurance claims cost money – Auto insurance companies in Ohio award the best rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can look forward to either policy cancellation or increased premiums. Your car insurance is intended for larger claims.
• High physical damage deductibles equal low rates – Comp and collision deductibles state the amount of money you are required to pay before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be a windshield broken by a bird, hail damage, and having a roll-over accident. The more of the claim you choose to pay out-of-pocket, the lower your rates will be.
• Safer the car lower the rate – Safe vehicles tend to be cheaper to insure. Safer cars have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and cheaper rates on your policy. If the Dodge Challenger is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• Miles impacts rates – The more you drive your Dodge in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies calculate rates based upon how you use the vehicle. Cars and trucks left parked in the garage receive better premium rates as compared to vehicles used primarily for driving to work. Improper usage on your Challenger is just wasting money. It’s always a good idea to double check that your declarations sheet is rated on annual mileage, because it can save money.

• Gender is a factor – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Females and males are in accidents at about the same rate, but the men cause more damage and cost insurance companies more money. In addition to higher claims, males also get ticketed for serious violations such as reckless driving. Youthful male drivers tend to get in the most accidents and therefore have the most expensive insurance rates.

  The diagram below illustrates the difference between Dodge Challenger insurance premiums for male and female drivers. The premiums are based on no accidents or driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Insurance quotes and discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that may help make it more affordable. Most are applied at the time of quoting, but a few must be asked for prior to receiving the credit.

• Driver Education Discount – Require your teen driver to take driver’s ed class in school or through a local driver safety program.
• Paperwork-free – A few larger online companies give back up to $50 for signing up digitally online.
• Accident Forgiveness – This one isn’t a discount, but companies like Allstate, State Farm and GEICO will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims for a set time period.
• Anti-lock Brakes – Cars equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
• Discount for Passive Restraints – Vehicles equipped with air bags can receive discounts up to 30%.
• Discount for Home Ownership – Owning a home in Columbus may earn you a small savings because it is proof of financial responsibility.
• Discounts for Federal Employees – Employees or retirees of the government could provide a small rate reduction with a few insurance companies.
• More Vehicles More Savings – Purchasing coverage when you have more than one vehicle with one company can get a discount on all vehicles.
• Claim Free – Claim-free drivers pay less when compared to drivers with a long claim history.

You should keep in mind that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, insurance companies aren’t that generous. But all discounts will bring down your insurance premiums.

The chart below illustrates the comparison of Dodge Challenger car insurance costs with and without discounts applied to the rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, claim-free, homeowner, and safe-driver discounts applied.

If you would like to see a list of companies with significant discounts in Ohio, click here.

Situations that may require an agent’s advice

When it comes to choosing insurance from an agent or online, there isn’t really a one size fits all plan. Your needs are unique to you and your car insurance should be unique as well.
These are some specific questions could help you determine if your situation might need professional guidance.

• How do I file an SR-22 for a DUI in Ohio?
• What is roadside assistance coverage?
• Are rock-chip repairs free?
• Is there coverage for my trailer?
• I have good health insurance, so how much medical payments coverage do I need?
• When should I not buy collision coverage?
• Am I covered when using my vehicle for business?
• How do I insure my teen driver?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance agent or online?

Certain consumers would rather get professional advice from a licensed agent and doing that can be a smart decision A nice benefit of price shopping on the web is you can get cheap auto insurance rates and still buy from a local agent.

For easy comparison, once you complete this quick form, your insurance coverage information is submitted to local insurance agents in Columbus who will give you bids for your business. You don’t have to search for any insurance agencies because quoted prices will be sent immediately to you. You can find the lowest rates without requiring a lot of work. If you want to get a price quote from a specific auto insurance provider, you can always visit that company’s website and complete a quote there.

Choosing the best insurer should include more criteria than just a cheap price quote. These are some questions your agent should answer.

• Does the company have a solid financial rating?
• Do they review policy coverages at every renewal?
• Does the agency support the community they serve?
• Do they receive special compensation for putting your coverage with one company over another?
• Is every driver in your family covered?
• Does the agent have a valid license to sell insurance in Ohio?
• Are there any hidden costs in their price quote and does it include driving and credit history?

Affordable insurance rates are out there

You just learned some good ideas how to lower your Dodge Challenger insurance rates in Columbus. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the lowest rates are with a company that doesn’t do a lot of advertising. These smaller insurers often have lower car insurance rates on specific markets compared to the large companies like State Farm or Progressive.

When shopping online for insurance, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

Lower-priced insurance in Columbus is attainable both online and with local Columbus insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide internet price quotes and usually these smaller providers only sell coverage through independent insurance agencies.

Even more information is located by following these links:

• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
• Who Has Affordable Columbus Car Insurance Quotes for Low Mileage Drivers? (FAQ)
• What Car Insurance is Cheapest for Drivers Over Age 60 in Columbus? (FAQ)
• Who Has Cheap Auto Insurance Quotes for a Company Car in Columbus? (FAQ)
• Who Has Affordable Car Insurance Rates for a Dodge Ram in Columbus? (FAQ)
• Safe Vehicles for Teens (iihs.org)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Auto Insurance Facts and Statistics (Insurance Information Institute)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)