Are you researching low-cost Dodge Challenger insurance in Indianapolis? Locating the cheapest Indianapolis Dodge Challenger insurance quotes on the internet can be problematic for consumers that are relatively new to buying insurance on the web. With a ridiculous number of companies in the marketplace, how are we expected to have a chance to compare every possible option in order to find lower insurance premiums?
A recent insurance study revealed that nearly 70% of consumers kept their coverage with the same insurance company for a minimum of four years, and almost half have never quoted rates to find cheap coverage. Consumers in America can save nearly $860 each year, but they think it's difficult to compare rates.
If you have auto insurance now, you will be able to find better prices using these tips. Obtaining price quotes for the best-priced auto insurance policy in Indianapolis is easy to do. But Indiana consumers can benefit by having an understanding of how the larger insurance companies determine premium rates and apply this information to your search.
The quickest method we recommend to compare car insurance rates for Dodge Challenger insurance in Indianapolis is to know the trick car insurance companies allow for online access to compare their rates. The only thing you need to do is provide a small amount of information such as deductibles desired, types of safety features, the make and model of your vehicles, and what your job is. That information is instantly submitted to insurance carriers in your area and they return cost estimate immediately.
To compare multiple company affordable Dodge Challenger insurance rates now, click here and complete the quick form.
The car insurance companies shown below provide free quotes in Indianapolis, IN. If multiple providers are shown, we suggest you click on several of them to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in vehicle location which can change premium rates significantly.
How high should deductibles be?
The diagram below demonstrates how deductibles and can increase or decrease Dodge Challenger insurance premiums for different age categories. Data assumes a married female driver, full coverage, and no discounts are taken into consideration.
Comparison of car insurance rates by gender
The example below illustrates the difference between Dodge Challenger auto insurance rates for male and female drivers. Data assumes a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Lower rates by qualifying for these eight discounts
Buying insurance is not cheap, but there could be available discounts that you may not even know about. Certain reductions will be credited at the time you complete a quote, but occasionally some discounts must be requested specifically before you get the savings.
- Defensive Driver Discount - Taking time to complete a course that instructs on driving safety may get you a small discount if you qualify.
- Anti-theft System - Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a Indianapolis auto insurance quote.
- Use Seat Belts - Drivers who require all occupants to buckle up before driving can save 10% or more off the medical payments premium.
- Student in College - Youth drivers who attend college more than 100 miles from Indianapolis and leave their car at home may qualify for this discount.
- Professional Organizations - Participating in specific professional or occupational memberships or organizations can get you a small discount on your policy.
- Military Discounts - Having an actively deployed family member may qualify for rate reductions.
- Pay Early and Save - By making one initial payment rather than paying in monthly installments you could save up to 5%.
- Indianapolis Homeowners Pay Less - Just owning your own home can save a few bucks because owning a home requires personal responsibility.
As a footnote on discounts, most discount credits are not given the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, you aren't that lucky.
Companies that may offer quotes with some of the above discounts include:
When quoting, ask all companies you are considering to give you their best rates. Savings might not be available to policyholders in your area. To see insurance companies who offer online Dodge Challenger insurance quotes in Indiana, follow this link.
Buying from auto insurance agents
Many people just want to buy from a local agent and that is not a bad decision One of the best bonuses of comparing insurance prices online is that drivers can save money and get the best rates and still have a local agent.
Upon completion of this short form, the coverage information is sent to agents in your area that provide free Indianapolis auto insurance quotes for your insurance coverage. It makes it easy because there is no need to contact any agents since price quotes are sent to you directly. You'll get the best rates without a big time investment. If you need to get a comparison quote from a specific car insurance provider, just go to their quote page and submit a quote form there.
Deciding on a insurance company should depend on more than just a cheap price. Get answers to these questions too.
- Do they regularly work with personal auto policies in Indianapolis?
- Are they involved in claim handling?
- Are there any discounts that you might be missing?
- What insurance company do they write the most business with?
- Has the agent ever had any license suspensions?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will they make sure you get an adequate claim settlement?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
If you need to find a local Indianapolis insurance agency, you should know the types of insurance agents from which to choose. Indianapolis agents can either be independent or exclusive.
Exclusive agents can only provide one company's prices and some examples include Allstate and State Farm. These agents are not able to give you multiple price quotes so you might not find the best rates. Exclusive insurance agents receive extensive training in insurance sales and that enables them to sell even at higher rates. A lot of people use the same agent primarily because of loyalty to the company and solid financial strength.
Listed below are Indianapolis exclusive agents willing to provide price quotes.
- American Family Insurance - Brian Ciesil
1398 Shadeland Ave Ste 2233 - Indianapolis, IN 46219 - (317) 353-6225 - View Map
- Allstate Insurance: Sarah Franke
916 Shadeland Ave - Indianapolis, IN 46219 - (317) 359-8271 - View Map
- Brandon Libunao - State Farm Insurance Agent
1014 Prospect St - Indianapolis, IN 46203 - (317) 783-3391 - View Map
Independent Agents (or Brokers)
Agents that elect to be independent do not sell for just one brand so as a result can place your coverage with a variety of different insurance companies and find you the best rates. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.
If you need cheaper car insurance rates, you absolutely need to compare quotes from several independent insurance agents in order to compare the most rates. They also have the ability to place coverage with additional companies that you may not be familiar with which may provide better rates.
Below are Indianapolis independent agencies that are able to give rate quotes.
- Shepherd Insurance and Financial Services
111 Congressional Blvd Suite 100 - Carmel, IN 46032 - (317) 846-5554 - View Map
- A1 Insurance
4030 S Emerson Ave E - Indianapolis, IN 46203 - (317) 787-4995 - View Map
- Skaggs Insurance Agencies Inc
5519 E 82nd St e - Indianapolis, IN 46250 - (317) 841-6000 - View Map
Three reasons to not skimp on insurance
Despite the high cost, buying insurance is required by state law in Indiana and it also provides benefits you may not be aware of.
- Most states have minimum liability requirements which means state laws require a specific level of liability if you want to drive legally. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Dodge Challenger has a lienholder, it's most likely the lender will force you to have insurance to guarantee loan repayment. If coverage lapses or is cancelled, the lender will be forced to insure your Dodge at a much higher rate and force you to pay much more than you were paying before.
- Insurance protects not only your vehicle but also your financial assets. Insurance will pay for most medical and hospital costs incurred in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of having insurance are without a doubt worth the cost, specifically if you ever have a liability claim. The average driver in Indiana is overpaying more than $825 a year so you should quote and compare rates each time the policy renews to ensure rates are inline.
Information about specific coverages
Knowing the specifics of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like chiropractic care, prosthetic devices, EMT expenses, nursing services and dental work. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible
Collision coverage - Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against things such as sideswiping another vehicle, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible on your Challenger to bring the cost down.
UM/UIM (Uninsured/Underinsured Motorist) coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Challenger.
Since many Indiana drivers only carry the minimum required liability limits (25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Comprehensive auto coverage - This coverage pays to fix your vehicle from 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 hail damage, damage from getting keyed, a broken windshield, hitting a deer and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.
Auto liability insurance - This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/10 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.
Liability coverage protects against things like medical expenses, attorney fees, legal defense fees and pain and suffering. How much coverage you buy is a personal decision, but it's cheap coverage so purchase as much as you can afford. Indiana state law requires minimum liability limits of 25/50/10 but it's recommended drivers buy more coverage.
In the end, you can save money
You just learned a lot of tips how to reduce Dodge Challenger insurance auto insurance rates online in Indianapolis. The key concept to understand is the more quotes you get, the better likelihood of getting inexpensive Indianapolis auto insurance quotes. You may even discover the biggest savings come from a company that doesn't do a lot of advertising.
Consumers who switch companies do it for any number of reasons including lack of trust in their agent, questionable increases in premium, being labeled a high risk driver and poor customer service. No matter why you want to switch, switching car insurance companies can be less work than you think.
As you prepare to switch companies, make sure you don't reduce coverage to reduce premium. In too many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. The aim is to get the best coverage possible for the lowest cost, but do not skimp to save money.
To learn more, feel free to visit these articles:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance Quotes for Business Use in Indiana? (FAQ)
- Who Has Affordable Auto Insurance for Low Income Drivers in Indiana? (FAQ)
- What is the Best Cheap Car Insurance in New Albany, Indiana? (FAQ)
- What is Full Coverage? (Allstate)
- Teen Driving and Texting (State Farm)
- Auto Crash Statistics (Insurance Information Institute)