Affordable Insurance for a Dodge Challenger in Chandler

Everyone knows that car insurance companies want to prevent you from shopping around. Drivers who shop for lower rates are highly likely to move their business because there is a good chance of finding a policy with better rates. A recent study showed that people who compared rates once a year saved over $3,500 over four years compared to people who never compared prices.

If finding budget-friendly rates on car insurance in Chandler is why you’re reading this, then having a good understanding the best way to shop and compare car insurance can make shopping around easier.

Insurance rates Dodge Challenger in ChandlerThe easiest way to find affordable car insurance rates in Chandler is to start doing a yearly price comparison from insurers who sell auto insurance in Arizona.

An important part of this process is that you’ll want to compare identical deductibles and limits on each quote request and and to get prices from as many companies as you can. Doing this helps ensure an apples-to-apples comparison and plenty of rates choose from.

When price shopping your coverage, making a lot of price comparisons helps locate more affordable rates. Some companies don’t provide online rate quotes, so it’s important to also get price quotes from them as well.

The companies shown below offer free rate quotes in Chandler, AZ. If you wish to find the best auto insurance in Arizona, we suggest you compare several of them to get a more complete price comparison.

Dodge Challenger insurance coverage information

The coverage information shown next covers different rate quotes for Dodge Challenger models. Understanding how rate quotes are determined can help you make decisions on the best policy coverages.

Dodge Challenger Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $278 $538 $356 $22 $106 $1,300 $108
Challenger R/T $308 $620 $356 $22 $106 $1,412 $118
Challenger SRT-8 $336 $700 $356 $22 $106 $1,520 $127
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in specific location which can modify rates noticeably.

Rate comparison for different deductibles

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The comparisons below may aid in understanding the cost difference between low and high comp and collision deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Dodge Challenger insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $292 $460 $338 $20 $102 $1,237 $103
Challenger R/T $322 $530 $338 $20 $102 $1,337 $111
Challenger SRT-8 $350 $600 $338 $20 $102 $1,435 $120
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Dodge Challenger insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $236 $370 $338 $20 $102 $1,066 $89
Challenger R/T $262 $428 $338 $20 $102 $1,150 $96
Challenger SRT-8 $286 $484 $338 $20 $102 $1,230 $103
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in Chandler location which can modify premium rates noticeably.

We can estimate from the data above that using a $250 deductible costs approximately $15 more each month or $180 every year averaged for all Challenger models than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 17 months between claim filings, you would come out ahead if you choose a higher deductible. The numbers below show a better example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $111
Average monthly premium for $500 deductibles (subtract): – $96
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to note is that higher deductibles results in a higher out-of-pocket expense when you file a claim. You should have access to more funds in order to pay the deductible for vehicle repair.

How accidents and tickets impact rates

The information below shows how violations and at-fault collisions can affect Dodge Challenger insurance prices for different age groups of insureds. The data assumes a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Rate comparison of full coverage and liability-only

The illustration below shows the difference between Dodge Challenger auto insurance rates with full coverage and liability only. The rate quotes are based on no claims or violations, $100 deductibles, single marital status, and no other discounts are factored in.

Should you pay for full coverage?

There is no exact rule to eliminate physical damage coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Dodge Challenger replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $2,000 after paying your deductible. If you are paying in excess of $200 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few situations where only buying liability is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Insurance discounts help lower rates for Dodge Challenger insurance in Chandler

Companies offering auto insurance do not advertise every policy discount very clearly, so the following list contains both well-publicized and also the more inconspicuous savings tricks you should be using when you buy Chandler car insurance online.Insurance discounts

Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, you won’t be that lucky.

The chart below shows the difference between Dodge Challenger annual premium costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no violations or claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-policy, multi-car, and marriage discounts applied.

If you would like to see a list of companies who offer free Dodge Challenger insurance quotes in Chandler, click here.

Why insurance is not optional

Even though it can be expensive, insuring your vehicle is a good idea for several reasons.

The benefits of carrying adequate insurance more than offset the price you pay, particularly when you have a large claim. As of last year, the average driver in Arizona is overpaying over $869 every year so smart consumers compare quotes at every policy renewal to ensure rates are inline.

How to find a good Arizona auto insurance company

Picking the top insurer is hard considering how many different companies there are to choose from in Chandler. The ranking data displayed below could help you analyze which coverage providers you want to consider when looking for cheaper rates.

Best Auto Insurance Companies in Chandler
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

When do I need an agent’s advice?

When selecting insurance from an agent or online, there really isn’t a perfect coverage plan. Your needs are unique to you and your policy should reflect that.Drive safe and save
Here are some questions about coverages that may help you determine if your insurance needs would benefit from an agent’s advice.

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Local insurance agents

Certain consumers just prefer to have an agent’s advice and that can be a smart move One of the great benefits of getting online price quotes is that you can obtain cheap insurance rates and still buy from a local agent.

Chandler insurance agentsAfter filling out this form (opens in new window), your information is transmitted to companies in Chandler who will give you quotes and help you find cheaper coverage. There is no reason to leave your computer due to the fact that quote results will go directly to you. You can find better rates without a big time investment. In the event you want to get a price quote from one company in particular, just go to their quote page and fill out their quote form.

Finding the right company shouldn’t rely on just a low price. Here are some questions to ask: