Do you want to learn to get low-cost Dodge Challenger insurance in Jacksonville? Searching for the cheapest insurance for a new or used Dodge Challenger in Florida could be a lot of work, but you can follow these tips to save time.
There is a right way and a wrong way to buy auto insurance so we’re going to tell you the best way to price shop coverage for a Dodge and locate the lowest price.
Lower rates by qualifying for discounts
Insurance is not inexpensive, but you might be missing out on some discounts to help bring down the price. Certain reductions will be credited when you get a quote, but some must be inquired about before they will apply. If you check and find you aren’t receiving every discount you deserve, you may be paying too high a price.
- Anti-theft Discount – Cars optioned with advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the medical payments premium.
- Driver’s Ed – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.
- Responsible Drivers – Accident-free drivers may save up to 50% more than drivers with accident claims.
- Driver Training Discounts – Taking a defensive driving class could save 5% or more if you qualify.
- Multiple Vehicles – Buying insurance for all your vehicles with the same insurance company may reduce the rate for each vehicle.
You can save money using discounts, but most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears you could get a free insurance policy, that’s just not realistic.
The information below shows the comparison of Dodge Challenger car insurance rates with and without some available policy discounts. The data is based on a female driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, multi-car, marriage, and safe-driver discounts applied.
Some companies that may have most of these discounts include:
Check with each company or agent to apply every possible discount. All car insurance discounts may not be available everywhere.
Affordable Jacksonville Dodge Challenger insurance quotes
Most larger insurance companies make it easy to get pricing on the web. Obtaining pricing for Dodge Challenger insurance in Jacksonville is easy for anyone as you simply type in your coverage information into the form. After you submit the form the system requests information on your driving record and credit history and generates pricing information based on the information you submitted.
Quoting online for Dodge Challenger insurance in Jacksonville makes comparing rates easy, and it is important to perform this step if you want to get cheaper insurance pricing.
To save time and find out how much you’re overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend that you enter the coverages exactly as shown on your declarations page. This ensures you will have comparison quotes based on similar coverages.
The companies shown below provide comparison quotes in Florida. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.
Dodge Challenger insurance coverage information
The premium information below outlines estimates of prices for Dodge Challenger models. Learning as much as possible about how car insurance prices are determined helps drivers make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $368 | $588 | $486 | $28 | $146 | $1,616 | $135 |
| Challenger R/T | $406 | $678 | $486 | $28 | $146 | $1,744 | $145 |
| Challenger SRT-8 | $444 | $766 | $486 | $28 | $146 | $1,870 | $156 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in garaging location in Jacksonville which can raise or lower premium rates considerably.
Deductible comparison
One frequently asked question is how low should you set your deductibles. The comparison tables below lay out how much more you’ll pay when you buy lower versus higher deductibles. The first table uses a $250 physical damage coverage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $406 | $640 | $472 | $28 | $142 | $1,713 | $143 |
| Challenger R/T | $446 | $736 | $472 | $28 | $142 | $1,849 | $154 |
| Challenger SRT-8 | $488 | $834 | $472 | $28 | $142 | $1,989 | $166 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $250 | $402 | $472 | $28 | $142 | $1,294 | $108 |
| Challenger R/T | $276 | $464 | $472 | $28 | $142 | $1,382 | $115 |
| Challenger SRT-8 | $302 | $524 | $472 | $28 | $142 | $1,468 | $122 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price estimates do not factor in specific garaging location which can decrease or increase prices noticeably.
Based on the data above, we can derive that using a $250 deductible will cost you roughly $39 more each month or $468 each year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 19 months between claim filings, you would probably save some money if you choose a higher deductible. Below is a better example of how this determination is made.
| Average monthly premium for $250 deductibles: | $154 |
| Average monthly premium for $1,000 deductibles (subtract): | – $115 |
| Monthly savings from raising deductible: | $39 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $39 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One thing to note is that higher deductibles results in a higher out-of-pocket expense when you do file a claim. That will necessitate enough extra savings in the event you have to pay more to get your vehicle repaired.
Rate comparison of males versus females in Jacksonville
The diagram below shows the difference between Dodge Challenger car insurance costs for male and female drivers. The data assumes no claims, a clean driving record, full coverage, $250 deductibles, marital status is single, and no policy discounts are applied.
How You Can Control Dodge Challenger Insurance Premiums
Many different elements are part of the calculation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but some are less apparent like your vehicle usage or your vehicle rating. Part of the car insurance buying process is learning a few of the rating criteria that help determine the price you pay for car insurance. If you know what determines premiums, this enables you to make decisions that could result in lower rates.
The items below are some of the things utilized by car insurance companies to help set your prices.
Good drivers pay less – Only having one chargeable violation may cause rates to rise by as much as thirty percent. Careful drivers pay less for auto insurance than their less careful counterparts. Drivers unfortunate enough to have license-revoking tickets such as DWI, reckless driving or hit and run convictions might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent their license from being revoked.
The diagram below demonstrates how speeding tickets and at-fault claims can raise Dodge Challenger auto insurance costs for different age groups. The premiums are based on a single female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
Safer cars cost less to insure – Cars with high safety ratings tend to be cheaper to insure. Safe vehicles reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
Never let your car insurance lapse – Allowing your coverage to lapse can be a fast way to bump up your car insurance costs. In addition to paying higher premiums, getting caught without coverage will get you a steep fine or even jail time.
Do you really need roadside assistance? – There are a ton of add-on coverages that can waste your money if you don’t pay attention. Add-on coverages like rental car coverage, accidental death, and extra life insurance coverage may be costing you every month. They may seem like a good idea when buying your policy, but if you have no use for them eliminate the coverages to reduce your premium.
Car insurance rates and your job – Careers like doctors, architects, and dentists are shown to have the highest rates attributed to high stress levels and lots of time spent at work. On the flip side, jobs like farmers, engineers and retirees get better rates.
You may save more by consolidating policies – Many insurers give discounts for people that have more than one policy in the form of a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount, you still need to comparison shop to help ensure you have the lowest rates.
Car insurance liability coverage limits – The liability section of your policy will afford coverage in the event that you are responsible for causing damage or personal injury in an accident. Liability insurance provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to comp and collision, so do not cut corners here.
Insurance agents can help
Always keep in mind that when comparing your policy, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.
These are some specific questions could help you determine whether your personal situation would benefit from professional advice.
- Am I covered if hit by an uninsured driver?
- What happens if I owe more than my Dodge Challenger is worth?
- Can my teen driver be rated on a liability-only vehicle?
- Does my medical payments coverage pay my health insurance deductible?
- Do I need special endorsements for business use of my vehicle?
- Why am I required to get a high-risk car insurance policy?
- Does my policy cover my teen driver if they drive my company car?
- Am I covered if I break a side mirror?
- Am I covered when driving in Canada or Mexico?
- What does medical payments coverage do?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.
Local Jacksonville insurance agents
Many drivers still like to go talk to an agent and often times that is recommended Most agents can help you build your policy and help in the event of a claim. The biggest benefit of comparing rates online is the fact that drivers can get lower rates and still have a local agent. And providing support for local agencies is important especially in Jacksonville.
To find an agent, once you fill out this simple form, your insurance coverage information is instantly submitted to local insurance agents in Jacksonville who will give you bids for your auto insurance coverage. You won’t even need to find an agent as quotes are delivered straight to your inbox. If you wish to compare prices from a specific auto insurance provider, you just need to visit that company’s website and complete a quote there.
Pick the best auto insurance agent in Jacksonville for you
If you would like to find a reputable insurance agent or broker, you must know there are a couple types of agencies to choose from. Auto insurance agents in Jacksonville can either be independent (non-exclusive) or exclusive. Either type can properly insure your vehicles, but it’s important to point out the difference in how they write coverage since it can affect the kind of agent you use.
Independent Insurance Agents
Agents that elect to be independent do not work for one specific company so they can quote policies with many different companies and potentially find a lower price. If premiums increase, the agent simply finds a different carrier and you stay with the same agent.
If you are trying to find cheaper rates, you should always get several quotes from independent agents to have the most options to choose from. Most also have access to less well-known companies which may have better rates.
Shown below is a small list of independent insurance agents in Jacksonville who may be able to give you price quotes.
- Erwin Insurance, LLC
841 Prudential Drive, 12th Floor – Jacksonville, FL 32207 – (904) 764-7531 – View Map - Giella Insurance Agency
7855 Argyle Forest Blvd #502 – Jacksonville, FL 32244 – (904) 783-3388 – View Map - Beans Insurance Agency, LLC
3041 Dunn Ave – Jacksonville, FL 32218 – (904) 766-1995 – View Map
Exclusive Auto Insurance Agencies
Agents of this type are contracted to one company such as AAA, Allstate, and State Farm. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are well trained on their company’s products and that enables them to sell even at higher rates. Some people will only use the same agent primarily because of high brand loyalty rather than having low rates.
Below are exclusive insurance agencies in Jacksonville that can give you comparison quotes.
- Otis Johnson – State Farm Insurance Agent
1629 Race Track Rd Unit 104 – Jacksonville, FL 32259 – (904) 287-1523 – View Map - Yuleen Broome – State Farm Insurance Agent
3120 Atlantic Blvd – Jacksonville, FL 32207 – (904) 398-0401 – View Map - Allstate Insurance: Stephanie Ando
3546 St Johns Bluff Rd S #109 – Jacksonville, FL 32224 – (904) 645-8880 – View Map
Picking a insurance agent needs to be determined by more than just a cheap price. The following questions are important to ask.
- When do they do policy reviews?
- Do the companies they represent have a solid financial rating?
- Can you choose the body shop in case repairs are needed?
- Are they able to provide referrals?
- How would your car be valued if totaled?
- Are there any discounts for paying up front?
- Which insurance company do they prefer to write with?
- Do they receive special compensation for putting your coverage with one company over another?
If you get answers to your satisfaction for all questions you ask and a low price estimate, you may have found an insurance agency that is reliable enough to insure your vehicles. Just be aware that you are entitled to terminate your policy for any reason so don’t think that you are permanently stuck with your new company for any length of time.
Three main reasons to buy insurance
Despite the high cost of buying insurance for a Dodge Challenger in Jacksonville, insurance is required by state law in Florida and it also provides benefits you may not be aware of.
- Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability protection if you drive a vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Challenger has a loan, it’s guaranteed your bank will stipulate that you buy insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may insure your Dodge at a significantly higher premium and require you to reimburse them the higher premium.
- Insurance safeguards not only your Dodge but also your financial assets. Insurance will pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying insurance more than cancel out the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is overpaying more than $830 a year so you should quote rates at least once a year to ensure rates are inline.
Don’t give up on cheaper rates
As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. In too many instances, an insured dropped physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best price and still be able to protect your assets.
Lower-priced insurance in Jacksonville can be bought on the web in addition to many Jacksonville insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not offer price quotes online and many times these regional insurance providers work with local independent agents.
People change insurance companies for a number of reasons such as high prices, delays in paying claims, policy cancellation and even poor customer service. Regardless of your reason, finding the right insurance provider is easier than you think.
Steps to quoting cheaper Dodge Challenger insurance in Jacksonville
If you want to find the absolute lowest rates, then the best way to find the cheapest price for car insurance rates in Jacksonville is to start doing an annual price comparison from companies who sell auto insurance in Florida. This can be done by following these guidelines.
- Step 1: Try to learn about the coverage provided by your policy and the modifications you can make to prevent expensive coverage. Many rating criteria that cause rate increases like at-fault accidents, careless driving, and an unfavorable credit rating can be controlled by making small lifestyle or driving habit changes.
- Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive and State Farm, while agents who are independent can provide rate quotes from multiple companies.
- Step 3: Compare the price quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save some money and change companies, make sure there is no coverage gap between policies.
- Step 4: Provide notification to your current company of your intent to cancel your existing policy. Submit a completed application and payment for the new policy. Immediately put the new certificate verifying coverage in your vehicle.
A good tip to remember is that you use the same physical damage deductibles and liability limits on each quote and and to look at all possible companies. This helps ensure a fair rate comparison and many rates to choose from.
Other resources
- Distracted Driving Statistics (Insurance Information Institute)
- How Much are Jacksonville Auto Insurance Rates for 17 Year Olds? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers with Bad Credit in Jacksonville? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Senior Drivers (Insurance Information Institute)