Searching for better insurance prices for a new or used Dodge Challenger in California could be an all-consuming task, but you can use our insurance buying tips to save time.
There is a better way to shop for insurance so we’re going to tell you the absolute fastest way to get price quotes for your Dodge and locate the cheapest rates from Long Beach insurance agents and online providers.
Smart consumers take time to shop coverage around at least once a year because prices are usually higher with each renewal. Just because you found the best rates on Dodge Challenger insurance in Long Beach a few years ago there is a good chance you can find better premium rates now. Ignore everything you know about insurance because I’m going to teach you the right way to save on insurance.
Getting quotes for the lowest cost auto insurance policy in Long Beach is easy to do. If you’re already insured or just want to save money, use these techniques to buy cheaper auto insurance without reducing protection. Smart shoppers just have to learn the proper methods to quote multiple rates from many different companies.
The companies shown below provide price quotes in Long Beach, CA. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.
Why insurance is not optional
Even though Long Beach Challenger insurance rates can get expensive, insurance is most likely required but also gives you several important benefits.
- Almost all states have compulsory liability insurance requirements which means state laws require a minimum amount of liability insurance if you don’t want to risk a ticket. 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 your Dodge has a lienholder, more than likely the lender will make it mandatory that you have comprehensive coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Dodge at a significantly higher premium and require you to pay much more than you were paying before.
- Insurance protects not only your car but also your financial assets. It will also provide coverage for all forms of medical expenses that are the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of carrying enough insurance are without a doubt worth the cost, especially when you need to use it. Despite what companies tell you, the average driver is wasting up to $700 annually so you should quote your policy with other companies at every policy renewal to ensure rates are inline.
Facts and figures for Dodge Challenger insurance
The rate information shown below showcases a range of policy rates for Dodge Challenger models. Having a better understanding of how insurance prices are figured can aid in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $490 | $678 | $654 | $38 | $196 | $2,056 | $171 |
| Challenger R/T | $540 | $780 | $654 | $38 | $196 | $2,208 | $184 |
| Challenger SRT-8 | $590 | $882 | $654 | $38 | $196 | $2,360 | $197 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in zip code location which can change prices considerably.
Higher deductibles save money
One of the more difficult decisions when buying auto insurance is at what level do you set your deductibles. The following tables can help illustrate the rate differences when you choose different coverage deductibles. The first data table uses a $250 deductible for physical damage and the second rate chart uses a $500 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 | $348 | $546 | $500 | $30 | $150 | $1,574 | $131 |
| Challenger R/T | $384 | $630 | $500 | $30 | $150 | $1,694 | $141 |
| Challenger SRT-8 | $420 | $712 | $500 | $30 | $150 | $1,812 | $151 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price information does not factor in your specific Long Beach location which can influence auto insurance rates considerably.
Using the premium rates above, we can conclude that using a $250 deductible costs roughly $22 more each month or $264 every year than selecting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 11 months between claims, you would most likely save money if you choose the higher deductible.
Cut your auto insurance rates with discounts
Auto insurance is expensive, but you can get discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you complete an application, but occasionally some discounts must be asked about prior to getting the savings.
- Safety Restraint Discount – Buckling up and requiring all passengers to buckle up before driving could save 15% off the medical payments premium.
- Telematics Discount – Drivers who elect to allow companies to track driving manner by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they show good driving skills.
- Discounts for New Vehicles – Insuring a new Challenger can be considerably cheaper compared to insuring an older model.
- Bundled Policy Discount – If you combine your auto and homeowners policies and insure them with the same company you could save up to 20% off your total Challenger insurance premium.
- Pay Early and Save – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
- Anti-lock Brakes – Cars that have anti-lock braking systems have fewer accidents and will save you 10% or more on Challenger insurance in Long Beach.
- Theft Deterrent Discount – Vehicles that have factory anti-theft systems can help prevent theft and will save you 10% or more on Challenger insurance in Long Beach.
- Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
Don’t be shocked that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck. But any discount will help reduce your policy premiums.
The diagram below visualizes the comparison of Dodge Challenger yearly insurance costs with and without policy discounts. The price estimates are based on a male driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, multi-policy, and claim-free discounts applied.
A list of auto insurance companies and their offered discounts include:
- Progressive discounts include multi-policy, continuous coverage, homeowner, good student, online signing, online quote discount, and multi-vehicle.
- GEICO has savings for air bags, membership and employees, good student, anti-theft, and multi-policy.
- State Farm includes discounts for anti-theft, good driver, student away at school, accident-free, Drive Safe & Save, and passive restraint.
- Esurance offers discounts including good driver, DriveSense, claim free, anti-lock brakes, good student, and emergency road assistance.
- The Hartford offers discounts for anti-theft, defensive driver, bundle, air bag, vehicle fuel type, and good student.
When quoting, ask every insurance company which discounts you may be entitled to. Some discounts listed above may not be offered in your state. For a list of providers that offer discounts in California, click here to view.
Get rate quotes but buy from a neighborhood Long Beach auto insurance agent
A small number of people still like to sit down and talk to an agent and that is a smart decision Agents can answer important questions and help you file claims. A nice benefit of price shopping on the web is the fact that drivers can get the lowest rates and still have an agent to talk to. Putting coverage with neighborhood insurance agencies is important especially in Long Beach.
To make it easy to find an agent, after completing this short form, the coverage information is emailed to local insurance agents in Long Beach that provide free Long Beach auto insurance quotes for your coverage. You never need to find an agent due to the fact that quote results will go to you instantly. In the event you want to compare rates from one company in particular, you just need to find their quoting web page and give them your coverage information.
Best auto insurance agent in Long Beach
If you are wanting to purchase auto insurance from an insurance agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Long Beach agents are considered either independent (non-exclusive) or exclusive. Both can sell and service auto insurance coverage, but it’s important to know how they are different because it can impact the type of agent you choose.
Independent Auto Insurance Agencies
Agents in the independent channel often have affiliation with several companies so as a result can place your coverage with many different companies and find you the best rates. If your premiums go up, they simply switch companies in-house which requires no work on your part.
When comparing auto insurance prices, it’s a good idea to get quotes from a couple of independent agencies for maximum quote selection. Most have the option of insuring with companies that do not advertise much that may have much lower rates than larger companies.
Below is a short list of independent agencies in Long Beach that may be able to give you cheap rate quotes.
- Greg D. Pyle Auto, Home, Commercial Insurance Long Beach
3777 Long Beach Blvd #500 – Long Beach, CA 90802 – (562) 436-3200 – View Map - Long Beach Insurance Services
2316 E 7th St – Long Beach, CA 90804 – (562) 439-0244 – View Map - Amico Insurance Agency Inc.
100 Oceangate #1200 – Long Beach, CA 90802 – (877) 467-8799 – View Map
Exclusive Auto Insurance Agents
Exclusive agencies generally can only insure with one company such as Allstate, Farmers Insurance or State Farm. They are unable to provide other company’s prices so you need to shop around if the rates are high. Exclusive insurance agents are trained well on sales techniques which helps offset the inability to provide other markets. Consumers sometimes purchase coverage from exclusives mostly because of loyalty to the company rather than low rates.
The following are exclusive agents in Long Beach that are able to give rate quotes.
- Del Johnson – State Farm Insurance Agent
2642 N Los Coyotes Diagonal – Long Beach, CA 90815 – (562) 982-1444 – View Map - Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291 – View Map - State Farm: Keir Jones
5150 E Colorado St – Long Beach, CA 90814 – (562) 433-5573 – View Map
Finding the right car insurance agent requires more thought than just a cheap price. These are some questions your agent should answer.
- Will the quote change when the policy is issued?
- Is auto insurance their primary focus in Long Beach?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Are claims handled at the agent’s location?
- When do they do policy reviews?
- Is there a 24/7 contact number?
Tailor your car insurance coverage to you
When quoting and comparing adequate coverage, there really isn’t a one-size-fits-all type of policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply.
For example, these questions can help discover whether you will benefit from professional help.
- Does car insurance cover theft of personal property?
- Should I have combined single limit or split liability limits?
- What policy terms are available?
- Does every company file a SR-22 automatically?
- Are my tools covered if they get stolen from my vehicle?
- Should I file a claim if it’s only slightly more than my deductible?
- Does my insurance cover a custom paint job?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
One last note
In this article, we presented quite a bit of information on how to compare Dodge Challenger insurance prices in Long Beach. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may even discover the lowest prices come from some of the lesser-known companies. Some small companies often have lower rates on specific markets as compared to the big name companies such as Progressive and GEICO.
Cheap Dodge Challenger insurance in Long Beach can be bought online and also from your neighborhood Long Beach agents, and you need to comparison shop both to have the best rate selection. Some companies may not have online quoting and these smaller companies provide coverage only through independent agents.
When searching for cheaper Long Beach auto insurance quotes, do not buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to find out that it was a big error on their part. Your focus should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.
Steps to buying lower priced Dodge Challenger insurance in Long Beach
If your goal is the lowest price, then the best way to find affordable Dodge Challenger insurance is to regularly compare price quotes from insurance carriers who sell auto insurance in Long Beach.
- Read and learn about car insurance and the measures you can take to lower rates. Many things that cause high rates like at-fault accidents, speeding tickets, and a bad credit rating can be amended by paying attention to minor details.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while agents who are independent can quote rates for many different companies.
- Compare the price quotes to your current policy premium to see if switching to a new carrier will save money. If you can save money and buy the policy, make sure there is no coverage gap between policies.
- Provide notification to your current company to cancel your current coverage and submit the signed application along with the required initial payment for the new policy. Don’t forget to put the certificate verifying coverage along with your vehicle registration.
The most important part of shopping around is to compare similar coverage information on every quote and and to get prices from every company you can. Doing this helps ensure an apples-to-apples comparison and the best price selection.
To learn more, feel free to browse these articles:
- Insurance Losses by Make and Model (iihs.org)
- Who Has the Cheapest Long Beach Auto Insurance Quotes for a Ford Edge? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Honda Civic in Long Beach? (FAQ)
- What Car Insurance is Cheapest for a Nissan Altima in Long Beach? (FAQ)
- How Much are Car Insurance Quotes for Drivers with a DUI in Long Beach? (FAQ)
- What Insurance is Cheapest for Teenage Males in Long Beach? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- Rollover Crash FAQ (iihs.org)