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.

Insurance rates Dodge Challenger in ColumbusShockingly, 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.

Dodge Challenger Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $212 $408 $270 $16 $80 $986 $82
Challenger R/T $232 $468 $270 $16 $80 $1,066 $89
Challenger SRT-8 $254 $530 $270 $16 $80 $1,150 $96
Get Your Own Custom Quote Go

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.

Dodge Challenger insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $246 $416 $256 $16 $76 $1,035 $86
Challenger R/T $270 $478 $256 $16 $76 $1,121 $93
Challenger SRT-8 $296 $542 $256 $16 $76 $1,211 $101
Get Your Own Custom Quote Go

Dodge Challenger insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $136 $220 $256 $16 $76 $704 $59
Challenger R/T $150 $252 $256 $16 $76 $750 $63
Challenger SRT-8 $164 $286 $256 $16 $76 $798 $67
Get Your Own Custom Quote Go

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.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $93
Average monthly premium for $1,000 deductibles (subtract): – $63
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

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.

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.

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.Insurance discounts

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.Higher deductibles save money
These are some specific questions could help you determine if your situation might need professional guidance.

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.

Insurance agents in ColumbusFor 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.

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: