Nevada Consumers Discover How to Buy Cheaper Dodge Challenger Insurance

Locating better insurance prices for a Dodge Challenger in Nevada can turn out to be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to find auto insurance online so you’re going to learn the absolute fastest way to get price quotes for a new or used Dodge and get the lowest possible price from both online companies and Nevada agents.

It is always a good idea to shop coverage around yearly due to the fact that insurance rates trend upward over time. If you had the best rates for Challenger insurance six months ago a different company probably has better rates today. Forget all the misinformation about auto insurance because we’re going to demonstrate the right way to reduce your cost while improving coverage.

Dodge Challenger insurance rates are influenced by…

It’s important that you understand some of the elements that play a part in calculating the rates you pay for auto insurance. Understanding what determines base rates enables informed choices that may reward you with big savings.

  • How many coverages with the same company – Many insurance companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare other company rates to make sure you are getting the best deal.
  • Rural vs Urban Areas – Residing in small towns and rural areas is a positive aspect when it comes to auto insurance. Drivers who live in large cities tend to have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents.
  • Don’t let your coverage lapse – Having an insurance coverage lapse will be a guaranteed way to pay more for auto insurance. Not only will you pay more, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.
  • Extra add-on coverages are wasting money – There are a lot of extra coverages you can purchase on your auto insurance policy. Coverages like personal injury protection, better glass coverage and additional equipment coverage are examples of these. These coverages may sound good when you first buy your policy, but now you might not need them so get rid of them and save.
  • Men fork out a little more – Statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Women and men tend to get into accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as DWI and reckless driving.
  • Drive less and save money – Driving more miles in a year the more you will pay for auto insurance. Most insurance companies apply a rate based on how the vehicle is used. Cars that are left in the garage receive lower rates than those used for commuting. Improper usage on your Challenger can result in significantly higher rates. Verify your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings tend to have better insurance rates. Safe vehicles reduce injuries and lower injury rates means lower claim amounts passed on to you as lower rates. If your Dodge Challenger scored better than four stars on or an “acceptable” rating on you are probably receiving a discount.

Save big with these discounts

Auto insurance companies do not advertise every available discount in a way that’s easy to find, so we break down some of the more common and also the lesser-known savings tricks you should be using.

  • Organization Discounts – Belonging to a qualifying organization may earn a discount on your policy for Challenger insurance.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current policy expires. It can save you around 10%.
  • College Student – Children living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Passive Restraints – Factory air bags can qualify for discounts of 20% or more.
  • Accident Forgiveness – Certain companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

To see a list of insurers with the best auto insurance discounts in Nevada, click here.

But I don’t know anything about car insurance

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions may help highlight if you might need professional guidance.

  • Do all my vehicles need collision coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • What are the financial responsibility laws in Nevada?
  • Why am I required to get a high-risk car insurance policy?
  • Can I afford low physical damage deductibles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Exactly who is provided coverage by my policy?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Learn more today

More tips and info about auto insurance can be found at the Nevada Division of Insurance website. Nevada consumers can find out industry alerts, view agent and company licensing information, and read industry bulletins.

More related Nevada auto insurance information:

cheap insurance for Challenger

Buy online or local, you save

You just read a lot of techniques to compare Dodge Challenger insurance prices online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the biggest savings come from some of the lesser-known companies.

Budget-conscious Dodge Challenger insurance can be bought on the web in addition to many Nevada insurance agents, so compare prices from both to have the best rate selection. Some insurance providers do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, it’s a bad idea to reduce needed coverages to save money. In many cases, consumers will sacrifice liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at a price you can afford, not the least amount of coverage.