Car Insurance Quotes for a Dodge Challenger in Tampa

Are you tired of trying to find more competitive Dodge Challenger insurance in Tampa? Wish you could get out of an under-performing, overpriced insurance policy? Trust us when we tell you there are a lot of people in Tampa just like you who feel imprisoned by their insurance policy.

A recent study showed that over 70% of drivers have been with the same company for over three years, and practically 40% of insurance customers have never even compared quotes to find affordable rates. The average driver in Tampa could cut their rates by nearly 55% a year just by comparing rates, but most undervalue how much money they would save if they swap their current policy for a cheaper one.

Steps to finding discount Dodge Challenger insurance in Tampa

It takes a few minutes, but the best way to quote cheaper Dodge Challenger insurance is to regularly compare price quotes from different companies in Tampa. Drivers can shop around by following these guidelines.

• First, read about how insurance companies determine prices and the steps you can take to keep rates down. Many things that cause high rates like at-fault accidents, speeding tickets, and a negative credit history can be improved by making lifestyle changes or driving safer.
• Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices from multiple insurance companies. View a list of agents
• Third, compare the quotes to your current policy premium to see if cheaper Challenger coverage is available. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Fourth, notify your current company to cancel your existing policy and submit the required down payment along with the signed application to the new company. Once the paperwork is finalized, safely store the proof of insurance paperwork in your glove compartment.

One thing to remember is that you use the same physical damage deductibles and liability limits on each quote and and to get prices from as many auto insurance providers as possible. This provides a fair rate comparison and the most accurate and complete price analysis.

Consumers have many insurance companies to choose from, and though it is a good thing to be able to choose, more options can take longer to compare rates for Dodge Challenger insurance in Tampa.

It’s a great practice to compare rates at least once a year because rates change regularly. Just because you had the best premium rates on Dodge Challenger insurance in Tampa a year ago you will most likely find a better price today. Forget all the misinformation about insurance because it’s time to teach you one of the best ways to save on insurance.

Companies offering Dodge Challenger insurance in Florida

The companies shown below are ready to provide price comparisons in Tampa, FL. If your goal is to find cheap auto insurance in Tampa, we recommend you visit two to three different companies to get the lowest price.

Dodge Challenger coverage analysis

The data table displayed below highlights different insurance rates for Dodge Challenger models. Being more informed about how rates are figured can be useful when making smart choices when selecting a coverage provider.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in specific zip code location which can alter prices considerably.

Physical damage deductibles

One of the most common car insurance questions is what deductibles to buy. The comparisons below summarize the costs and benefits between low and high comp and collision deductibles. The first set of prices uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in vehicle garaging location which can revise rates significantly.

We can derive from the above data that using a $100 deductible will cost in the ballpark of $37 more each month or $444 a year than choosing the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 11 months between claims, you would probably be better off if you choose the higher deductible.

Get cheaper rates by receiving discounts

Auto insurance is easily one of your largest bills, but you might find some hidden discounts that you may not know about. A few discounts will be applied when you get a quote, but some must be asked for before you get the savings.

• Early Signing – Some larger companies give discounts for signing up prior to your current Challenger insurance policy expiration. This discount can save up to 10%.
• Distant Student Discount – Youth drivers who live away from home to go to college and do not take a car to college could get you a discount.
• Own a Home – Being a homeowner can earn you a little savings because it is proof of financial responsibility.
• Payment Discounts – By making one initial payment rather than paying monthly you can avoid monthly service charges.
• No Claim Discounts – Claim-free drivers can earn big discounts when compared to accident-prone drivers.
• Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
• Onboard Data Collection – Insureds who allow their auto insurance company to spy on driving habits through the use of a telematics system like Allstate’s Drivewise might see lower rates if they have good driving habits.
• Discounts for Safe Drivers – Drivers without accidents may receive a discount up to 45% than drivers with accident claims.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like you can get free auto insurance, that’s just not realistic.

The information below compares Dodge Challenger yearly insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no violations or claims, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, marriage, homeowner, and multi-car discounts applied.

A list of companies and the discounts they provide can be read below.

• Progressive policyholders can earn discounts including multi-policy, homeowner, multi-vehicle, online quote discount, and continuous coverage.
• SAFECO discounts include multi-car, bundle discounts, anti-lock brakes, teen safety rewards, safe driver, and anti-theft.
• American Family may have discounts that include good driver, Steer into Savings, accident-free, good student, air bags, and defensive driver.
• MetLife offers discounts for defensive driver, good student, accident-free, claim-free, good driver, multi-policy
• GEICO has savings for defensive driver, daytime running lights, multi-vehicle, anti-lock brakes, air bags, federal employee, and five-year accident-free.
• The Hartford has discounts for good student, anti-theft, air bag, bundle, defensive driver, and vehicle fuel type.

Double check with every insurance company what discounts are available to you. Some discounts listed above might not apply in your state. If you would like to see a list of insurance companies who offer online Dodge Challenger insurance quotes in Tampa, click here to view.

Smart Consumers Know How to Quote Auto Insurance at a Discount

Multiple criteria are used when you get a price on insurance. Some are obvious such as your driving record, but others are not quite as obvious such as your marital status or your financial responsibility.

Listed below are some of the factors used by your company to calculate your premiums.

Avoid tickets and save – Whether or not you get tickets can have a huge impact on auto insurance premiums. Getting just one moving violation may cause rates to rise by as much as thirty percent. Good drivers receive lower rates as compared to those with violations. Drivers who have received serious citations such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state in order to drive a vehicle legally.

The illustration below highlights how traffic violations and fender-benders can affect Dodge Challenger car insurance costs for each age group. The information is based on a single female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

File insurance claims and pay more – If you tend to file frequent claims, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Auto insurance companies in Florida provide discounts to insureds who only file infrequent claims. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.

Insurance rates and vehicle performance – The type of car, truck or SUV you drive makes a huge difference in the rate you pay. The lowest rates are for lower cost passenger cars, but that’s not the only thing that factors into the final price.

The next chart uses these assumptions: married male driver age 50, full coverage with $250 deductibles, and no discounts or violations. The data compares Dodge Challenger rates compared to other vehicles that have a range of performances.

Fewer miles means better premiums – Driving a lot of miles in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies apply a rate determined by how the vehicle is used. Autos that are left in the garage cost less to insure compared to those used for work or business. Improper usage on your Challenger can cost quite a bit. Ask your agent if your auto insurance policy is showing the right rating data, because improper ratings can cost you money.

Male costs may be higher – Statistics show women tend to be less risk to insure than men. This data doesn’t prove that females are better at driving than males. Women and men cause auto accidents at a similar rate, but men have accidents that have higher claims. In addition to higher claims, males also get cited for more serious violations like reckless driving and DUI. Young males generally have the highest accident percentage so they pay the highest premiums.

The illustration below illustrates the comparison of Dodge Challenger premium costs for male and female drivers. The premiums are based on no claims or violations, full physical damage coverage, $250 deductibles, drivers are not married, and no other discounts are factored in.

Car insurance liability protection limits – Your policy’s liability coverage will protect you in the event that you are found liable for damages caused by your negligence. It provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.

Older drivers pay less – Older, more experienced drivers have been proven to be more responsible, file fewer claims, and usually have better credit. Teenage drivers have a tendency to be careless and easily distracted when at the wheel of a vehicle so auto insurance rates are higher.

The chart below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Where you call home – Living in areas with lower population can save you money if you are looking for the lowest rates. Urban drivers tend to have more road rage incidents and a longer drive to work. Fewer drivers on the road translates into fewer accident claims and lower theft and vandalism rates.

Your auto insurance coverage should be tailored to you

When it comes to buying a policy for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that.
Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

• When does my teenage driver need to be added to my policy?
• What is the premium to book value ratio for dropping full coverage?
• Do I need PIP (personal injury protection) coverage in Florida?
• Should I sign the liability waiver when renting a car?
• Is my camper covered by my car insurance policy?
• Is pet coverage available?
• What should my uninsured motorist coverage limits be in Florida?
• I have a DUI can I still get coverage?
• Are rock-chip repairs free?
• Are my company tools covered if they get stolen?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Buying from insurance agents

Many drivers still prefer to talk to an insurance agent and that can be a smart move Good insurance agents can help determine the best coverages and help in the event of a claim. An additional benefit of comparing auto insurance online is that you can find cheaper prices but still work with a licensed agent.

After completing this quick form, your information is submitted to local insurance agents who will return price quotes and help you find cheaper coverage. You never need to find an agent since price quotes are sent to you directly. If you need to get a rate quote from a specific auto insurance provider, just go to their quote page and fill out the quote form the provide.

Picking the best company is decision based upon more than just a cheap price quote. Agents should be asked these questions:

• Do they feel the quoted coverages are adequate?
• Do they reduce claim amounts on high mileage vehicles?
• How would your car be valued if totaled?
• Can you get a list of referrals?
• How long has the business existed?
• Will the company cover a rental car if your car is getting fixed?

If you prefer to buy auto insurance from local Tampa agents, you must know there are a couple different agency structures and how they differ in how they can insure your vehicles. Agents can either be independent (non-exclusive) or exclusive. Both sell affordable auto insurance policies, but it is a good idea to know why they differ because it can influence which type of agent you select.

Exclusive Agencies

Agents that choose to be exclusive can only quote rates from one company such as State Farm or Allstate. They usually cannot shop your coverage around so it’s a take it or leave it situation. These agents are highly trained on their company’s products which helps them sell insurance even at higher premiums.

The following are exclusive agencies in Tampa who can help you get price quote information.

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Independent Auto Insurance Agents

Independent agencies do not have single company limitations and that enables them to quote your coverage with lots of companies and potentially find a lower price. If prices rise, your agent can switch companies and you don’t have to find a new agent. When comparing rates, you will want to get rate quotes from multiple independent agents to have the best price comparison.

Below is a list of independent insurance agencies in Tampa that can give you price quote information.

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Keep this in mind when shopping around

The cheapest Dodge Challenger insurance in Tampa is available online and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies don’t offer online price quotes and these small, regional companies work with independent agencies.

When getting Tampa auto insurance quotes online, don’t be tempted to skimp on coverage in order to save money. Too many times, consumers will sacrifice liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

Steps to finding affordable quotes for Dodge Challenger insurance in Tampa

The most effective way to get the cheapest auto insurance rates in Tampa is to start comparing rates regularly from providers in Florida. You can compare rates by following these steps.

First, take a little time to learn about how your policy works and the things you can change to keep rates in check. Many things that increase rates like multiple speeding tickets and an unacceptable credit history can be rectified by making minor driving habit or lifestyle changes.

Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while independent agents can provide rate quotes for many different companies. View rates

Third, compare the quotes to your existing coverage to see if you can save by switching companies. If you find a lower rate quote, ensure there is no coverage lapse between policies.

Fourth, provide proper notification to your current company of your intention to cancel your current auto insurance policy and submit payment and a completed application to your new insurance company. When you receive it, place the new proof of insurance certificate in an accessible location in your vehicle.

One thing to remember is to make sure you’re comparing similar limits and deductibles on each quote and and to look at as many companies as you can. Doing this provides the most accurate price comparison and a complete price analysis.

Additional detailed information can be read by following these links:

• Frontal Crash Tests (iihs.org)
• Who Has Affordable Auto Insurance for High School Students in Tampa? (FAQ)
• Who Has Cheap Tampa Car Insurance for Electric Cars? (FAQ)
• Booster Seat Ratings (iihs.org)
• What is a Telematics Device? (Allstate)