The preferred way to get affordable Dodge Challenger insurance in Charlotte is to compare quotes once a year from different companies who provide car insurance in North Carolina. You can compare rates by following these guidelines.
- Take a little time to learn about policy coverages and the steps you can take to keep rates low. Many rating factors that cause rate increases like accidents, careless driving, and a low credit score can be rectified by making minor changes to your lifestyle.
- Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like GEICO and Allstate, while independent agents can quote rates from multiple sources.
- Compare the new rates to your current policy and determine if cheaper Challenger coverage is available in Charlotte. If you find a better price, ensure there is no coverage lapse between policies.
One important bit of advice is to compare the same physical damage deductibles and liability limits on each quote request and and to get price estimates from as many different companies as possible. This guarantees a fair price comparison and a complete rate analysis.
Unthinkable but true, the vast majority of consumers have been with the same company for four years or more, and approximately 38% of consumers have never quoted insurance rates at all. Consumers in North Carolina can save hundreds of dollars each year by just comparing quotes, but they feel it’s too difficult to shop their coverage around.
If you are insured now or are looking for a new policy, use these money-saving tips to lower your rates without sacrificing coverage. The purpose of this post is to familiarize you with the best methods to compare rates and how you can save the most money. Smart buyers just have to know how to compare company rates online from multiple companies.
Compare quotes for Charlotte Dodge Challenger insurance
Getting cheap car insurance pricing is an easy way to save money. Consumers just need to take a couple of minutes comparing price quotes from different insurance companies.
The companies in the list below are ready to provide quotes in North Carolina. If you want the best cheap car insurance in North Carolina, we suggest you visit several of them to get the best price comparison.
Insurance rate breakdown
The premium information below showcases detailed analysis of insurance coverage prices for Dodge Challenger models. Having knowledge of how insurance prices are calculated is important for you to make informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific Charlotte garaging location which can modify coverage rates greatly.
Safe drivers pay cheaper rates
The example below demonstrates how traffic citations and accident claims can influence Dodge Challenger insurance rates for different age categories. The premiums are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
Insurance is not optional in North Carolina
Despite the high insurance cost for a Dodge Challenger in Charlotte, insurance serves several important purposes.
- Most states have minimum liability requirements which means you are required to buy specific limits of liability in order to be legal. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Challenger, most lenders will have a requirement that you buy insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank or lender will purchase a policy for your Dodge for a much higher rate and force you to pay for the expensive policy.
- Insurance protects your Dodge and your assets. It will also pay for medical bills that are the result of an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of carrying enough insurance more than cancel out the cost, particularly when you have a large claim. But the average driver in North Carolina is wasting up to $850 per year so smart consumers compare quotes every year to be sure current rates are still competitive.
Do I need special coverages?
Always keep in mind that when comparing insurance from an agent or online, there really is no best way to insure your cars. Your financial needs are unique and your policy should reflect that.
For example, these questions might help in determining if you might need professional guidance.
- Does my liability insurance cover pulling a trailer or camper?
- Do I need to call my car insurance company before buying a new car?
- Am I better off with higher deductibles on my Dodge Challenger?
- Am I insured when driving a different vehicle?
- Why are teen drivers so expensive to add on to my policy?
- How much liability insurance is required?
- Does insurance cover damages from a DUI accident?
- When should I have rental car coverage?
- What is the difference between comprehensive and collision coverage?
- Am I covered when driving a rental car?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Specifics of your car insurance policy
Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average car insurance policy.
Liability coverages – Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 30/60/25 that means you have a $30,000 limit per person for injuries, $60,000 for the entire accident, and $25,000 of coverage for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.
Liability can pay for claims such as loss of income, pain and suffering, funeral expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible. North Carolina state law requires minimum liability limits of 30/60/25 but you should consider buying better liability coverage.
The illustration below shows why minimum state limits may not be high enough to cover claims.
Comprehensive coverages – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like fire damage, damage from flooding, a broken windshield and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision coverage – This covers damage to your Challenger caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things like colliding with another moving vehicle, crashing into a building, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible on your Challenger to save money on collision insurance.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as prosthetic devices, dental work, ambulance fees and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible
Uninsured and underinsured coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Dodge Challenger.
Due to the fact that many North Carolina drivers only purchase the least amount of liability that is required (30/60/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are set the same as your liability limits.
Persistence is the key to cheap rates
We’ve covered a lot of information how to find affordable Dodge Challenger insurance in Charlotte. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even be surprised to find that the best prices are with the smaller companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.
As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where an insured cut collision coverage and learned later that it was a big mistake. The goal is to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.
Budget-conscious Dodge Challenger insurance is possible online in addition to local insurance agencies, so you need to shop Charlotte auto insurance with both in order to have the best price selection to choose from. Some insurance providers may not have the ability to get quotes online and many times these smaller companies only sell through local independent agencies.
To read more, feel free to browse these articles:
- Car Insurance FAQ (Trusted Choice)
- Who Has Affordable Car Insurance Quotes for Used Cars in Charlotte? (FAQ)
- Who Has Cheap Charlotte Car Insurance Rates for Low Income Drivers? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Low Credit Scores in Charlotte? (FAQ)
- Who Has Cheap Charlotte Auto Insurance Rates for a Ford F-150? (FAQ)
- What Car Insurance is Cheapest for Hybrid Vehicles in Charlotte? (FAQ)
- Who Has the Cheapest Charlotte Car Insurance for Drivers with a DUI? (FAQ)
- Who Has Affordable Charlotte Car Insurance for Drivers Over Age 60? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Jeep Wrangler in Charlotte? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Teen Driving Statistics (GEICO)
- Teen Driver Statistics (Insurance Information Institute)