Are you trying to find low-cost Dodge Challenger insurance in Seattle? If you’re trying to find lower-cost insurance online, are you intimidated by the dozens of car insurance companies available to you? Vehicle owners have so many companies available that it can quickly become a difficult challenge to locate the lowest car insurance rates for Dodge Challenger insurance in Seattle. Lots of people think Seattle is a great city to raise a family in, but budgeting for expensive car insurance makes it impossible to pay other bills every month.
Astonishing but true, nearly 70% of Washington drivers have bought car insurance from the same company for well over three years, and roughly 40% of drivers have never taken the time to shop around. With the average car insurance premium being $1,847, American drivers could save 46.5% every year, but most tend to underestimate the amount of savings they would get if they switched.
Smart consumers take time to do rate comparisons as often as possible because car insurance prices are constantly changing. Just because you had the best rates on Dodge Challenger insurance in Seattle two years ago other companies may now be cheaper. Ignore everything you know about car insurance because we’re going to show you one of the easiest ways to properly buy coverages and cut your premium.
Affordable companies for Dodge Challenger insurance
The following companies are our best choices to provide comparison quotes in Seattle, WA. If multiple providers are shown, we recommend you visit several of them to get the lowest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Prices do not factor in specific location which can lower or raise auto insurance rates noticeably.
Rate comparison of full coverage and liability-only
The chart below examines Dodge Challenger auto insurance rates with and without physical damage coverage. The rates are based on no claims or driving violations, $250 deductibles, married male driver, and no other discounts are factored in.
Are you wasting money on full coverage?
There is no clear-cut formula of when to exclude full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s assume your Dodge Challenger replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying your policy deductible. If you are paying in excess of $700 a year to have full coverage, then you might consider buying liability only.
There are some cases where only buying liability is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Dodge Challenger insurance premiums by gender and age
The diagram below visualizes the comparison of Dodge Challenger car insurance costs for male and female drivers. The premiums assume no violations or accidents, full physical damage coverage, $250 deductibles, marital status is single, and no policy discounts are applied.
Six discounts for lower-cost car insurance rates
Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. Certain reductions will be credited when you purchase, but some may not be applied and must be manually applied before being credited.
- Renewal Discounts – Select car insurance companies give a discount for signing up early. It’s a savings of about 10%.
- Good Student – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
- Senior Citizens – If you qualify as a senior citizen, you are able to get better car insurance rates.
- Membership in Organizations – Participating in qualifying employment or professional organizations is a simple method to lower premiums when shopping for car insurance.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it can save substantially.
- Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
Keep in mind that some credits don’t apply to the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.
Insurance companies that possibly offer most of the discounts above include:
Check with each company how you can save money. All car insurance discounts might not be offered in your area.
Don’t assume everyone needs the same insurance coverage
When quoting and choosing coverage, there isn’t really a “best” method to buy coverage. Your situation is unique so your insurance needs to address that.
For example, these questions might help in determining if your insurance needs might need professional guidance.
- Does low annual mileage earn a discount?
- Is there coverage for my trailer?
- Do I have coverage when pulling a U-Haul trailer?
- Is business property covered if stolen from my car?
- Why do I only qualify for high-risk insurance?
- Why are teen drivers so expensive to add on to my policy?
- Why am I be forced to buy a membership to get insurance from some companies?
- Are split liability limits better than a combined single limit?
If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Insurance quotes from local Seattle insurance agencies
Some people would rather sit down and talk to an agent and that can be a smart move One of the great benefits of getting free rate quotes online is the fact that drivers can get the lowest rates and still choose a local agent.
To find an agent, once you fill out this quick form, your insurance data is transmitted to local insurance agents in Seattle who will give you bids for your insurance coverage. You won’t even need to even leave your home because quoted prices will be sent to you. You can find lower rates and work with a local agent. If you wish to quote rates from a particular provider, feel free to navigate to their website and give them your coverage information.
Picking the best insurer needs to be determined by more than just a cheap quote. These are some questions you should get answers to.
- Will they take your side in the event of a claim?
- Is there a 24/7 contact number?
- Has the agent ever had any license suspensions?
- How does the company pay claims for a total loss?
- How often do they review coverages?
- Does the company use OEM repair parts?
Types of car insurance agents in Seattle
When narrowing the list to find a reputable insurance agent or broker, you need to know there are two types of insurance agents and how they work. Insurance agents in Seattle can either be independent or exclusive.
Exclusive Insurance Agents
Agents that choose to be exclusive are contracted to one company and examples are Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to compare other company’s rates so they have to upsell other benefits. Exclusive insurance agents are highly trained on sales techniques and that allows them to sell at a higher price point. Consumers sometimes buy from exclusive agents mainly due to loyalty to the company and solid financial strength.
Listed below are Seattle exclusive agencies that can give you rate quotes.
- Alex Bagdasarov – State Farm Insurance Agent
4719 University Way NE #202 – Seattle, WA 98105 – (206) 946-1986 – View Map
- Allstate Insurance: Josh Boender
4453 California Ave SW – Seattle, WA 98116 – (206) 932-2191 – View Map
- Allstate Insurance: Jeremy Olson
7 Denny Way – Seattle, WA 98109 – (206) 956-0580 – View Map
Independent Insurance Agencies
These type of agents are not limited to a single company and that gives them the ability to insure with any number of different companies and find the cheapest rate. If they quote lower rates, the business is moved internally which requires no work on your part.
When comparing rates, it’s recommended you include rate quotes from multiple independent agents for maximum quote selection. Most have the option of insuring with lesser-known insurance companies that many times have cheaper rates.
The following are independent insurance agencies in Seattle willing to provide price quote information.
- Northwest Insurance Group
6055 California Ave SW – Seattle, WA 98136 – (206) 932-2500 – View Map
- Sound Insurance Agency, Inc.
9627 Aurora Ave N – Seattle, WA 98103 – (206) 527-0888 – View Map
- Norwest Insurance Agency
5191 S Spencer St – Seattle, WA 98118 – (206) 965-8140 – View Map
Insurance coverage considerations
Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like chiropractic care, ambulance fees, rehabilitation expenses, prosthetic devices and funeral costs. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible
Liability car insurance – This coverage protects you from damages or injuries you inflict on people or other property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/10 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage pays for things such as repair costs for stationary objects, loss of income, court costs, pain and suffering and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible. Washington state law requires minimum liability limits of 25/50/10 but you should consider buying higher limits.
Uninsured and underinsured coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Challenger.
Since many Washington drivers have only the minimum liability required by law (Washington limits are 25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things like colliding with another moving vehicle, sideswiping another vehicle, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible on your Challenger to save money on collision insurance.
Comprehensive coverages – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from getting keyed, hail damage, rock chips in glass, damage from a tornado or hurricane and theft. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Persistence pays off
While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.
Some car insurance companies do not offer internet price quotes and most of the time these smaller providers provide coverage only through local independent agents. Affordable Dodge Challenger insurance in Seattle can be found both online and from local agencies, so compare prices from both in order to have the best chance of saving money.
Additional information can be read at the links below
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance Rates for Drivers with Bad Credit in Seattle? (FAQ)
- Who Has the Cheapest Auto Insurance for a Nissan Sentra in Seattle? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Should I Buy a New or Used Car? (Allstate)