Car Insurance Quotes for a Dodge Challenger in San Diego

How many times have you told yourself it’s time to shop around for more competitive Dodge Challenger insurance in San Diego? Trying to find low cost Dodge Challenger insurance in San Diego can seem to be slightly frustrating for drivers who have little experience comparison shopping online. People have so many different companies and agents to choose from that it can quickly become a difficult challenge to compare coverage rates on Dodge Challenger insurance.

Discount Dodge Challenger insuranceA study showed that most insurance buyers in California have been with the same company for at least the last four years, and nearly half have never quoted insurance rates at all. U.S. drivers could save roughly 46.5% every year just by comparing rates, but they just assume it takes a lot of time to compare rates and save money.

If you have coverage now, you will be able to find better prices using this strategy. The intent of this article is to introduce you to how to compare rates easily and some tricks to saving. Nevertheless, California car owners must know how insurance companies sell insurance online because rates fluctuate considerably.

Best companies for affordable Dodge Challenger insurance in California

The providers in the list below have been selected to offer free rate quotes in California. If several companies are displayed, we recommend you compare several of them to get a more complete price comparison.

Dodge Challenger Insurance Rate Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $302 $426 $654 $38 $196 $1,616 $135
Challenger R/T $296 $522 $470 $28 $140 $1,456 $121
Challenger SRT-8 $640 $1296 $674 $40 $202 $2,852 $238
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific San Diego garaging location which can modify insurance rates greatly.

Impact of speeding/accidents on San Diego auto insurance rates

The diagram below demonstrates how speeding tickets and at-fault claims raise Dodge Challenger auto insurance costs for each age group. The information is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Eight discounts for affordable insurance rates

Not many people think insurance is cheap, but you might be missing out on some discounts that many people don’t even know exist. A few discounts will automatically apply when you quote, but a few must be inquired about prior to receiving the credit.

One last thing about discounts, some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. Even though it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A list of companies and their possible discounts can be read below.

If you need the cheapest Dodge Challenger rate quotes, ask every insurance company which credits you are entitled to. Discounts may not apply to policyholders in your state. To see insurance companies with discount rates in San Diego, click here.

When should I get advice from a local insurance agent?

Certain consumers still prefer to buy from a local agent and that is not a bad decision A good thing about comparing rate quotes online is the fact that drivers can get cheap rate quotes but also keep your business local.

By using this simple form, your coverage information is transmitted to participating agents in San Diego who want to provide quotes for your business. It’s much easier because you don’t need to drive around since rate quotes are delivered to the email address you provide. You’ll get the best rates without requiring a lot of work. If for some reason you want to compare prices from a particular provider, feel free to navigate to their website to submit a rate quote request.

Deciding on an insurance company shouldn’t rely on just the bottom line cost. The questions below may impact your decision as well.

Different types of San Diego auto insurance agents

When researching local San Diego agents, it’s helpful to know the different types of agents to choose from. Agents in San Diego can be categorized as either exclusive or independent (non-exclusive).

Exclusive Agencies

Agents of this type can only provide pricing for a single company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot compare rates from other companies so they really need to provide good service. Exclusive agents are trained well on their company’s products which helps them compete with independent agents. Some consumers prefer to choose to use a exclusive agent mostly because of the prominence of the brand and solid financial strength.

Listed below is a list of exclusive agencies in San Diego who may provide you with comparison quotes.

View more San Diego agents

Independent Insurance Agents

Agents that choose to be independent often have many company appointments so they can write business through many different car insurance companies and find the cheapest car insurance rates. If prices rise, your policy is moved internally and you can keep the same agent. When shopping rates, you need to get some free quotes from a couple of independent agencies in order to compare the most rates. Most also write with small regional insurance companies which can be an advantage.

Shown below are San Diego independent agents who can help you get comparison quotes.

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Auto insurance coverage information

Having a good grasp of your car insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for collisions

Collision insurance will pay to fix damage to your Challenger resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, colliding with a tree, rolling your car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible on your Challenger to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Challenger.

Due to the fact that many California drivers only carry the minimum required liability limits (which is 15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, damage from flooding, a tree branch falling on your vehicle, vandalism and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for things like surgery, nursing services and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage protects you from damage that occurs to a person or their property. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 15/30/5 which means a $15,000 limit per person for injuries, $30,000 for the entire accident, and property damage coverage for $5,000.

Liability coverage pays for claims like emergency aid, attorney fees and medical services. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy higher limits.

Compare but don’t skimp

In this article, we covered a lot of ways to save on Dodge Challenger insurance in San Diego. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding affordable Dodge Challenger insurance quotes. You may even be surprised to find that the best car insurance rates are with the least-expected company.

Lower-priced auto insurance in San Diego is definitely available on the web and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who don’t offer internet price quotes and these regional carriers only sell through independent agencies.

Consumers who switch companies do it for any number of reasons including denial of a claim, extreme rates for teen drivers, high rates after DUI convictions or policy cancellation. Regardless of your reason, finding the right auto insurance provider is less work than it seems.

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