Cheap Quotes for Dodge Challenger Insurance in Phoenix

Discount Dodge Challenger insuranceWant to learn the secrets to finding cheaper Dodge Challenger insurance in Phoenix? Paying for pricey Dodge Challenger insurance in Phoenix can stress out your checking account and force you to make tough financial choices.

A recent auto insurance study discovered that nearly 70% of consumers renewed their policy with the same company for at least four years, and about 40% of consumers have never compared auto insurance rates at all. Many drivers in Arizona can save up to $730 each year just by shopping around, but most undervalue how much they could save if they switched. Due to the abundance of different company options, it can be diffult for drivers to locate a lower cost auto insurance provider.

This information will teach you a little about the most effective way to quote insurance. If you currently have insurance, you will surely be able to find better prices using the techniques presented in this article. Comparison shoppers only have to learn the least time-consuming way to compare insurance rates instantly.

Get affordable Dodge Challenger insurance in Phoenix with discounts

Buying insurance is not cheap, but you can get discounts that many people don’t even know exist. Some trigger automatically at the time you complete a quote, but some need to be asked for prior to receiving the credit.

Discounts lower rates, but most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you could get a free insurance policy, companies wouldn’t make money that way.

If you would like to see a list of insurance companies who offer cheap Dodge Challenger insurance quotes in Phoenix in Arizona, follow this link.

Getting cheap car insurance pricing can be quick and easy. Drivers just need to spend a few minutes on the computer comparing free Phoenix car insurance quotes provided by online insurance companies.

It’s so simple to compare car insurance quotes online takes the place of having to actually drive to local insurance agencies. Quoting and buying Dodge Challenger insurance online has reduced the need for local agents unless you require the professional guidance that only a licensed agent can provide. Although, it is possible price shop online and have a local agent actually service the policy.

The following companies can provide price comparisons in Phoenix, AZ. If several companies are displayed, we recommend you get price quotes from several of them in order to get a fair rate comparison.

Dodge Challenger Insurance Costs in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $360 $676 $458 $28 $136 $1,658 $138
Challenger R/T $170 $326 $356 $22 $106 $980 $82
Challenger SRT-8 $246 $474 $382 $22 $114 $1,238 $103
Get Your Own Custom Quote Go

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in vehicle garaging location which can revise prices substantially.

Deductible comparison

The example below demonstrates how choosing different deductibles and can influence Dodge Challenger insurance prices for different age categories. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Full coverage or liability only

The information below shows the comparison of Dodge Challenger auto insurance costs with full coverage and liability only. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, single female driver, and no discounts are factored in.

When to switch to liability coverage only

There is no definitive rule of when to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s pretend your Dodge Challenger replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after the deductible is paid. If it’s costing you more than $700 annually for physical damage coverage, then it may be the right time to buy liability only.

There are a few situations where dropping physical damage coverage is not in your best interest. If you haven’t satisfied your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Why You Might Pay Inflated Rates in Phoenix

Part of the insurance buying process is learning some of the things that are used to determine the rates you pay for insurance. If you know what impacts premium levels, this enables informed choices that may result in lower premium levels.

Shown below are some of the things that factor into your rate level.

Tailor your insurance coverage to you

When buying the right insurance coverage, there is no best way to insure your cars. Each situation is unique.

These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Compare rate quotes but buy from a local Phoenix insurance agency

A lot of people just prefer to buy from a licensed agent and often times that is recommended Experienced insurance agents can point out coverage gaps and help in the event of a claim. A good thing about comparing rate quotes online is you can get the lowest rates but still work with a licensed agent. And supporting local agencies is important particularly in Phoenix.

For easy comparison, once you complete this quick form, your information is submitted to insurance agents in Phoenix who will give competitive quotes for your business. You don’t have to find an agent because prices are sent to you directly. If you want to quote rates from a specific company, you would need to search and find their rate quote page and complete a quote there.

When researching a reliable insurance agency, it helps to know the two types of insurance agents and how they can quote your rates. Phoenix agents are either independent or exclusive depending on the company they work for. Both types of agents can handle insurance, but it’s important to know the difference in how they write coverage because it can factor into the type of agent you choose.

Independent Agents (or Brokers)

Agents in the independent channel can sell policies from many different companies so they can insure your vehicles with many different companies and find you cheaper rates. If your premiums go up, your agent can just switch to a different company and that require little work on your part.

If you are trying to find cheaper rates, you absolutely need to get several quotes from independent agents for maximum quote selection.

Below are Phoenix independent agents that can possibly get you comparison quotes.

3510 E Bell Rd # 2Phoenix, AZ 85032(602) 493-2300View Map

10851 N Black Canyon Hwy #200Phoenix, AZ 85029(800) 528-1056View Map

7602 S Central AvePhoenix, AZ 85042(602) 276-0002View Map

View more Phoenix agents

Exclusive Agents

Agents of this type write business for a single company such as Allstate and State Farm. They are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agencies receive extensive training on the products they sell which aids in selling service over price.

Shown below are exclusive agencies in Phoenix willing to provide price quote information.

4225 W Bell RdPhoenix, AZ 85053(602) 938-4491View Map

Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1aPhoenix, AZ 85015(602) 222-9400View Map

4022 E Broadway Rd #106Phoenix, AZ 85040(602) 454-8570View Map

View more Phoenix agents

Picking the best auto insurance agent is decision based upon more than just the premium amount. Here are some questions to ask:

After getting good feedback to all your questions as well as a affordable price, it’s a good possibility that you have found an auto insurance agent that is professional and can provide insurance coverage.

Three good reasons to insure your Dodge vehicle

Even though it’s not necessarily cheap to insure a Dodge in Phoenix, insuring your vehicle is required by state law in Arizona and it also provides benefits you may not be aware of.

The benefits of buying enough insurance definitely exceed the price paid, especially with large liability claims. Despite what companies tell you, the average driver is overpaying more than $800 each year so smart consumers compare quotes at least once a year to be sure current rates are still competitive.

Quote. Compare. Save.

Throughout this article, we presented a lot of tips how to compare Dodge Challenger insurance rates in Phoenix. The most important thing to understand is the more companies you get car insurance rates for, the better chance you’ll have of finding inexpensive Phoenix car insurance quotes. You may even find the best price on insurance is with a lesser-known regional company.

Insureds change insurance companies for any number of reasons including being labeled a high risk driver, denial of a claim, poor customer service or even lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.

When buying insurance coverage, do not reduce coverage to reduce premium. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and learned later they didn’t have enough coverage. The proper strategy is to get the best coverage possible at the best possible price while still protecting your assets.

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