Dodge Challenger insurance image courtesy of QuoteInspector.com
If saving money is your primary concern, then the best way to find low-cost Dodge Challenger insurance is to make a habit of regularly comparing prices from providers in Santa Ana.
- Spend a few minutes and learn about car insurance and the steps you can take to drop your rates. Many rating factors that cause rate increases like at-fault accidents, careless driving, and a low credit rating can be amended by making minor changes in your lifestyle.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can quote prices from multiple sources. View insurance agents
- Compare the new quotes to the premium of your current policy and see if you can save money. If you find better rates and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Tell your current agent or company to cancel your current car insurance policy and submit a down payment along with a signed application for the new policy. Be sure to put the new proof of insurance paperwork along with the vehicle's registration papers.
An important part of this process is that you'll want to make sure you compare the same amount of coverage on each quote request and and to get prices from every company you can. Doing this ensures the most accurate price comparison and the best price selection.
It's easy to assume that insurance companies don't want their customers to go rate shopping. Drivers who shop around for cheaper prices will most likely switch companies because there is a high probability of finding a policy with better rates. A survey found that consumers who compared prices regularly saved over $70 a month compared to drivers who didn't regularly shop around.
If finding the cheapest price for car insurance is your target objective, then having a grasp of how to find companies and compare car insurance can make it easier to find better rates.
If you have insurance now or just want a better rate, you can learn to buy cheaper insurance without reducing protection. This article will familiarize you with how car insurance quotes work and also pocket some savings You only need an understanding of how to get comparison quotes instantly.
Compare Santa Ana Dodge Challenger insurance rate quotes
The companies in the list below have been selected to offer price quotes in Santa Ana, CA. If several companies are displayed, we suggest you visit two to three different companies in order to find the cheapest rates.
Dodge Challenger insurance charts and tables
The data table shown next covers different prices for Dodge Challenger models. Understanding how insurance prices are formulated is important to be able to make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $302 | $426 | $654 | $38 | $196 | $1,616 | $135 |
| Challenger R/T | $334 | $490 | $654 | $38 | $196 | $1,712 | $143 |
| Challenger SRT-8 | $364 | $556 | $654 | $38 | $196 | $1,808 | $151 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes noticeably.
An analysis of deductible level
When shopping for auto insurance, a common question is how high should the physical damage deductibles be. The rates below may help to conceptualize the costs and benefits of buying low and high insurance deductibles. The first set of prices uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $430 | $678 | $500 | $30 | $150 | $1,813 | $151 |
| Challenger R/T | $474 | $780 | $500 | $30 | $150 | $1,959 | $163 |
| Challenger SRT-8 | $518 | $882 | $500 | $30 | $150 | $2,105 | $175 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $266 | $426 | $500 | $30 | $150 | $1,372 | $114 |
| Challenger R/T | $292 | $490 | $500 | $30 | $150 | $1,462 | $122 |
| Challenger SRT-8 | $320 | $556 | $500 | $30 | $150 | $1,556 | $130 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in specific zip code location which can alter insurance rates greatly.
Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $41 more each month or $492 annually than requesting 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 go more than 18 months between claims, you would probably save some money if you opt for a higher deductible.
The illustration below highlights how deductible selection and can influence Dodge Challenger yearly insurance costs for different age groups of insureds. The information is based on a single male driver, comp and collision included, and no additional discounts are factored in.
Impact of violations and accidents on rates
The information below illustrates how violations and accidents drive up Dodge Challenger insurance prices for different age categories. The rate quotes are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
Dodge Challenger insurance costs by gender and age in Santa Ana
The chart below visualizes the comparison of Dodge Challenger insurance costs for male and female drivers. The rates are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Difference between full coverage and liability only rates
The information below illustrates the difference between Dodge Challenger insurance prices with full physical damage coverage and with liability coverage only. The premiums assume no claims, a clean driving record, $100 deductibles, marital status is single, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no written rule of when to stop paying for full coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let's pretend your Dodge Challenger replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after paying your deductible. If premiums are more than $400 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some scenarios where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Insuring your Challenger just makes sense
Despite the fact that auto insurance is not cheap in Santa Ana, paying for auto insurance is required for several reasons.
- Most states have mandatory insurance requirements which means you are required to carry a minimum amount of liability insurance if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your vehicle, almost every bank will require that you have full coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank may insure your Dodge at a significantly higher premium and force you to reimburse them for it.
- Auto insurance protects not only your car but also your financial assets. It will also reimburse you for medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you cause an accident and are sued. If mother nature or an accident damages your car, your policy will pay to repair the damage.
The benefits of having insurance are without a doubt worth the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $855 a year so you should quote rates at least once a year to be sure current rates are still competitive.
Verify you're getting every discount
Some providers don't always list every discount in a way that's easy to find, so below is a list some of the best known as well as the least known credits available to bring down your rates.
- Discounts for Federal Employees - Federal government employees can earn a discount up to 10% with select insurance companies.
- Drivers Education - Reduce the cost of insurance for teen drivers by having them complete a driver education course in school or through a local driver safety program.
- Smart Student Discounts - Maintaining excellent grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
- Early Switch Discount - Some larger companies reward drivers for buying a policy prior to your current Challenger insurance policy expiring. Ten percent is about the average savings.
- College Student - Older children living away from Santa Ana attending college and do not have a car may be able to be covered for less.
- Discount for Home Ownership - Just owning your own home can help you save on insurance because it requires personal responsibility.
You can save money using discounts, but most discount credits are not given to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, insurance companies aren't that generous.
The example below shows the difference between Dodge Challenger auto insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, safe-driver, homeowner, and multi-policy discounts applied.
If you would like to choose from a list of providers who offer insurance discounts in California, click here to view.
How do I know if I need professional advice?
Keep in mind that when it comes to choosing a policy for your vehicles, there really isn't a best way to insure your cars. Each situation is unique so your insurance should reflect that
For instance, these questions may help you determine if your situation could use an agent's help.
- Can I still get insurance after a DUI?
- Why do I need rental car insurance?
- Do I need replacement cost coverage on my Dodge Challenger?
- Can my babysitter drive my car?
- Does my Dodge Challenger qualify for pleasure use?
- What can I do if my company won't pay a claim?
- Are split liability limits better than a combined single limit?
- Does medical payments coverage apply to all occupants?
- What does roadside assistance cover?
- How can I find cheaper teen driver insurance?
If you're not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
What if I want to buy from local Santa Ana auto insurance agents?
Some people just prefer to sit down with an agent and that can be a great decision Good agents can help you build your policy and help submit paperwork. An additional benefit of comparing insurance prices online is the fact that you can find the best rates and still buy from a local agent. And providing support for local insurance agencies is important especially in Santa Ana.
To find an agent, once you fill out this short form, your information is emailed to agents in your area that provide free Santa Ana auto insurance quotes and help you find cheaper coverage. There is no need to find an agent on your own due to the fact that quote results will go directly to you. If you have a need to get a price quote for a specific company, just jump over to their website and fill out the quote form the provide.
When looking for a local agent, you need to know there are two types of insurance agents and how they work. Auto insurance agencies are classified as either exclusive or independent agents depending on their company appointments. Both types of agents can provide auto insurance policies, but it is a good idea to know the difference in the companies they write for since it can impact the selection process.
Independent Auto Insurance Agents (or Brokers)
Agents in the independent channel are not employed by any specific company so they can quote policies with many different companies and get you the best rates possible. If your agent finds better pricing, the agent simply finds a different carrier and you don't have to do anything. If you need cheaper auto insurance rates, we highly recommend that you get some free quotes from several independent insurance agents for the best price selection. Most independent agents also contract with smaller regional carriers which may provide better rates.
The following is a small list of independent agents in Santa Ana that may be able to give you cheap rate quotes.
- Nuway Insurance Agency Inc.
410 N Bristol St - Santa Ana, CA 92703 - (714) 953-2117 - View Map - Roberti's Insurance Agency
2128 N Tustin Ave #B - Santa Ana, CA 92705 - (714) 543-2788 - View Map - Ayala's Insurance
2020 N Grand Ave #107 - Santa Ana, CA 92705 - (714) 210-5770 - View Map
Exclusive Agents
Exclusive agents write business for a single company and some examples include AAA, Allstate, and State Farm. Exclusive agents cannot give you multiple price quotes so they are skilled at selling on more than just price. They receive extensive training in insurance sales which helps overcome the inability to quote other rates. Drivers often purchase coverage from exclusives partially due to high brand loyalty rather than having low rates.
Below are Santa Ana exclusive agents that can give you rate quotes.
- Farmers Insurance Agency: Blake Robbins
3611 S Harbor Blvd #200 - Santa Ana, CA 92704 - (417) 263-1934 - View Map - Farmers Insurance - Juan Chavez
207 N Main St - Santa Ana, CA 92701 - (714) 202-0092 - View Map - Farmers Insurance: Wendy Munoz
2441 N Tustin Ave - Santa Ana, CA 92705 - (714) 550-1100 - View Map
Picking an insurance agency is decision based upon more than just a cheap price. Before buying a policy in Santa Ana, get answers to these questions.
- Which insurance companies are they affiliated with?
- Is insurance their full-time profession?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they feel the quoted coverages are adequate?
- What insurance companies do they recommend if they are an independent agent?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How is replacement cost determined on your vehicle?
Car insurance coverage breakdown
Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you'll find typical coverage types available from car insurance companies.
Collision - This pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as colliding with a tree, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible on your Challenger to get cheaper collision coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage - This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Challenger.
Due to the fact that many California drivers only carry the minimum required liability limits (15/30/5), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Medical payments and PIP coverage - Med pay and PIP coverage pay for bills for prosthetic devices, chiropractic care, nursing services, dental work and EMT expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Liability insurance - Liability coverage can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people's claims, and doesn't cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 15/30/5 which means a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and $5,000 of coverage for damaged property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.
Liability can pay for claims such as repair bills for other people's vehicles, emergency aid and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible. California state minimum liability requirements are 15/30/5 but it's recommended drivers buy more coverage.
The next chart demonstrates why low liability limits may not provide adequate coverage.
Comprehensive auto coverage - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as vandalism, fire damage and rock chips in glass. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.
Persistent drivers can save
We just presented a lot of techniques to lower your Dodge Challenger insurance premium rates in Santa Ana. The most important thing to understand is the more providers you compare, the better your comparison will be. Drivers may even discover the best premium rates are with some of the lesser-known companies. These smaller insurers may often insure only within specific states and give better rates compared to the large companies like State Farm, GEICO and Nationwide.
Affordable Dodge Challenger insurance in Santa Ana can be found from both online companies in addition to many Santa Ana insurance agents, so get free Santa Ana auto insurance quotes from both of them to have the best selection. Some insurance companies do not provide the ability to get a quote online and many times these smaller providers provide coverage only through independent insurance agents.
As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. In many instances, someone dropped physical damage coverage only to regret that it was a big mistake. Your focus should be to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.
More information
- Speed and Speed Limit FAQ (iihs.org)
- Who Has the Cheapest Santa Ana Car Insurance Rates for a Toyota Tacoma? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Toyota Highlander in Santa Ana? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers with a DUI in Santa Ana? (FAQ)
- Who Has Affordable Auto Insurance for a Ford F-150 in Santa Ana? (FAQ)
- How Much is Santa Ana Car Insurance for College Graduates? (FAQ)
- Distracted Driving (Insurance Information Institute)
- Collision Insurance Coverage (Nationwide)