Are you tired of paying out the nose to insure your Dodge every month? You are no different than many other Texas consumers. Popular companies such as Allstate and Progressive all claim big savings, bombarding you with fancy advertisements and it can be hard to sift through the bull and do the work needed to find the best deal.
Discounts are basically free money
Car insurance is not cheap, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply at the time of quoting, but less common discounts must be manually applied before you will receive the discount. If you don’t get every credit you qualify for, you are throwing money away.
- Sign Online – A handful of insurance companies may give you up to $50 for buying your policy over the internet.
- Safe Driver Discount – Safe drivers may receive a discount up to 45% less for Challenger coverage than less cautious drivers.
- Organization Discounts – Participating in certain professional organizations is a good way to get lower rates when shopping for car insurance for Challenger coverage.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
- Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
- Federal Employees – Employees or retirees of the government can save as much as 8% for Challenger coverage with certain companies.
- New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for new cars.
- Bundle and Save – If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
- Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.
- Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
It’s important to understand that most discount credits are not given to the entire cost. Most only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. But any discount will cut the amount you have to pay.
For a list of providers offering car insurance discounts in Texas, click this link.
What about using a local agent?
Some consumers would rather buy from a licensed agent and that is OK! Good agents can answer important questions and help you file claims. The biggest benefit of comparing insurance prices online is you may find the best rates and still choose a local agent. Buying from local businesses is definitely important in smaller communities.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data is immediately sent to insurance agents who will compete for your business. You never need to drive around because quoted prices will be sent to the email address you provide. Now that’s easy!
To select a specific agent in Texas, visit this page.
Picking an insurance company shouldn’t rely on just the bottom line cost. Some important questions to ask are:
- Is assistance available after office hours?
- Do they regularly work with personal auto policies?
- What insurance companies do they recommend if they are an independent agent?
- What will you get paid if your car is a total loss? How is that amount determined?
- Which company do they place the most coverage with?
Once you have positive feedback to these questions and a good coverage price, you have narrowed it down to an insurance company that meets your needs to adequately provide car insurance.
Slick advertising tricks that work
Consumers constantly see and hear ads for cheaper car insurance by State Farm, GEICO and Progressive. All the companies make an identical promise about savings if you move to their company.
How does each company make the same claim?
All the different companies can use profiling for the driver that is profitable for them. For instance, a driver they prefer could be between 25 and 40, owns a home, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will get the preferred rates and most likely will save a lot of money.
Consumers who don’t meet the requirements will be charged more money and this can result in business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save that much. That is how insurance companies can confidently claim big savings.
That is why drivers must get quotes from several different companies. It is impossible to predict which insurance companies will have the lowest rates.
Additional information is located on the website for the Texas Department of Insurance located here. Visitors are able to find disaster information, find a variety of consumer forms, and read enforcement actions against agents and companies.
In the end, you save
We just showed you many ways to compare Dodge Challenger insurance prices online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may even find the best prices are with the smaller companies. Regional companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, GEICO and Nationwide.
While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where someone dropped liability coverage limits only to regret they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
Lower-priced Dodge Challenger insurance is available online in addition to many Texas insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.