Save Money on Dodge Challenger Insurance in Mesa

Remarkably, a study showed that almost 70% of insureds kept their coverage with the same auto insurance company for well over three years, and almost 40% of drivers have never compared rates from other carriers. Arizona consumers could save approximately $730 each year by just shopping around, but they don’t believe the actual amount they would save if they moved their coverage to a different company.

If you want to save money, the best way to get more affordable Dodge Challenger insurance is to compare prices at least once a year from insurance carriers who sell auto insurance in Mesa. You can shop around by following these steps.

Step 1: It will benefit you to learn about car insurance and the measures you can take to keep rates low. Many risk factors that drive up the price like at-fault accidents, careless driving, and poor credit can be amended by making lifestyle changes or driving safer.

Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agents can quote prices for a wide range of companies.

Step 3: Compare the new rates to the premium of your current policy to determine if switching companies saves money. If you find a lower rate and change companies, ensure there is no coverage lapse between policies.

Step 4: Give notification to your current company of your intention to cancel your existing policy and submit a signed application and payment to your new company or agent. Make sure you place your new certificate verifying proof of insurance with your vehicle’s registration.

The key thing to remember is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on every price quote and and to analyze every insurance company. Doing this helps ensure an accurate price comparison and the best price quote selection.

This article’s intent is to familiarize you with how to compare rates easily and also pocket some savings If you already have coverage, you will definitely be able to find better prices using the following tips. Smart shoppers only need an understanding of the most effective way to quote multiple rates from many different companies.

Affordable Dodge insurance rates in Mesa

The companies shown below have been selected to offer free quotes in Arizona. If you want to find cheaper car insurance in Mesa, AZ, we suggest you visit two to three different companies in order to get a fair rate comparison.

Detailed insurance information

The premium table below outlines estimates of prices for Dodge Challenger models. Being more informed about how insurance policy premiums are determined can be valuable when making smart policy decisions.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in garaging location in Mesa which can affect coverage prices considerably.

Should you raise deductibles?

One frequently asked question is which deductible level should you buy. The tables below illustrate how much more rates are when you select higher and lower physical damage deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in specific zip code location which can decrease or increase prices significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $28 more each month or $336 each year than selecting the higher $1,000 deductible. Because you 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 usually have at least 27 months between claim filings, you would probably be better off by selecting a higher deductible.

The example below illustrates how your choice of deductibles and can change Dodge Challenger yearly insurance costs for different age groups. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Safe drivers Mesa pay cheaper rates

The illustration below shows how violations and at-fault claims influence Dodge Challenger car insurance costs for each age group. The prices are based on a married female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Should you buy full coverage?

The information below shows the comparison of Dodge Challenger car insurance costs with full physical damage coverage compared to only buying liability only. The data is based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.

When to drop comprehensive and collision

There is no exact rule to stop buying comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s assume your Dodge Challenger claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after you pay the deductible. If you are paying over $400 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some situations where buying only liability insurance is not a good idea. If you haven’t paid off your loan, you have to carry full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Discounts mean cheaper rates for Dodge Challenger insurance in Mesa

Some insurers don’t always advertise every discount they offer in a way that’s easy to find, so we break down some of the more common and also the more inconspicuous discounts that you can inquire about if you buy Mesa auto insurance online.

• Active Military Service – Having an actively deployed family member can result in better rates.
• No Claim Discounts – Insureds with no claims or accidents can earn big discounts when compared to bad drivers.
• Discount for Life Insurance – Auto insurance companies who offer life insurance give lower premium rates if you buy a life insurance policy as well.
• Passive Restraints – Vehicles equipped with air bags can receive discounts of more than 20%.
• Auto/Home Discount – If you can bundle your auto and homeowners insurance with one insurance company they may give you a discount of nearly 15% which can help you find cheap Challenger insurance.
• Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a Mesa auto insurance quote.

A little disclaimer on discounts, many deductions do not apply to the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, that’s just not realistic.

The chart below compares Dodge Challenger annual premium costs with and without some available policy discounts. The data is based on a female driver, no claims or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, marriage, homeowner, and multi-policy discounts applied.

To locate insurers who offer discounts in Arizona, click here to view.

Why You Might Pay Higher Rates in Mesa

Consumers need to have an understanding of a few of the rating criteria that are used to determine your premiums. When consumers understand what influences your rates, this enables you to make decisions that can help you get lower premium levels. Multiple criteria are part of the equation when quoting car insurance. Some are obvious such as your driving history, but some are more transparent such as your marital status or how safe your car is.

The list below includes some of the things used by your company to calculate your prices.

• Women tend to cost less – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Males and females cause accidents at about the same rate, but guys cause more damage. They also receive more costly citations like reckless driving and DUI. Youthful male drivers cause the most accidents and therefore are the most expensive to insure.

  The diagram below visualizes the comparison of Dodge Challenger insurance costs for male and female drivers. The premium estimates are based on no accidents, no driving violations, full coverage, $500 deductibles, drivers are not married, and no other discounts are factored in.

• More traffic equals higher prices – Having an address in a rural area may provide you with better prices when it comes to auto insurance. Less people means reduced accidents and also fewer theft and vandalism claims. People who live in big cities have more aggressive driving styles and higher rates of accident claims. More time behind the wheel means a statistically higher chance of an accident.
• Small coverages can add up – There are a ton of extra coverages that can add up if you don’t pay attention. Coverages like rental car reimbursement, death and dismemberment, and extra life insurance coverage are probably not needed. These coverages may sound good when deciding what coverages you need, but if you don’t need them remove them from your policy.
• Cheaper rates with high comp and collision deductibles – Deductibles for physical damage represent how much money you are willing to pay if a covered claim is submitted. Protection for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered would be a windshield broken by a bird, damage from fire, and damage from wind. The more the insured is willing to pay, the less your auto insurance will be.
• Save by driving safer cars – Safer cars tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and better occupant protection translates directly to fewer claims and lower rates for you. If your Dodge scored better than four stars on Safercar.gov it may be receiving lower rates.

Insurance agents can help

Certain consumers still prefer to talk to an insurance agent and that is recommended in a lot of cases Licensed agents are very good at helping people manage risk and will help you if you have claims. The biggest benefit of comparing rate quotes online is the fact that you can find cheap auto insurance rates but also keep your business local. Buying from small agencies is still important in Mesa.

For easy comparison, once you complete this simple form, your information is transmitted to local insurance agents who will give you bids for your auto insurance coverage. It makes it easy because there is no need to leave your house since rate quotes are delivered immediately to you. If you have a need to quote rates from a specific company, don’t hesitate to visit that company’s website and complete a quote there.

Finding the right provider needs to be determined by more than just a cheap quote. Any agent in Mesa should be forthright in answering these questions:

• Where would your vehicle be repaired?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• What are their preferred companies if they are an independent agency?
• Do they make recommendations based only on price?
• Are there any discounts for paying up front?
• Will their companies depreciate repairs to your car based on the mileage?
• Is the coverage adequate for your vehicle?

Which car insurance company is best in Mesa?

Picking the best car insurance company is hard considering how many choices you have in Arizona. The company rank data in the lists below could help you analyze which providers you want to consider when shopping your coverage around.

Top 10 Mesa Car Insurance Companies Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Top 10 Mesa Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. Mercury Insurance
7. AAA Insurance
8. State Farm
9. Nationwide
10. Safeco

Affordable car insurance prices are available

Budget-conscious Dodge Challenger insurance is available both online in addition to many Mesa insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers may not provide internet price quotes and these smaller companies sell through independent insurance agents.

When trying to cut insurance costs, never reduce coverage to reduce premium. In too many instances, someone dropped uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your aim should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

Insureds change insurance companies for a variety of reasons including policy cancellation, questionable increases in premium, delays in responding to claim requests or being labeled a high risk driver. It doesn’t matter why you want to switch finding a new car insurance company is less work than it seems.

Additional detailed information can be found in the articles below:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Who Has the Cheapest Auto Insurance Rates for Safe Drivers in Mesa? (FAQ)
• Who Has Affordable Auto Insurance for a Ford Explorer in Mesa? (FAQ)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• Cellphones, Texting and Driving (iihs.org)
• Credit and Insurance Scores (Insurance Information Institute)