Discount Dodge Challenger insuranceWant to know how to find low-cost Dodge Challenger insurance in Colorado Springs? Are you kicking yourself for buying an underperforming, overpriced auto insurance policy? Say no more because there are many Colorado Springs drivers thinking the same thing.

Amazingly, the vast majority of auto insurance customers in Colorado renewed their policy with the same company for well over three years, and 38% of customers have never quoted auto insurance rates at all. Drivers in America can cut their rates by approximately $859 a year just by shopping around, but they underestimate how much savings they would realize if they switched. Due to the increasing number of insurance providers from which to choose, it's nearly impossible to find the most affordable auto insurance company.

How to compare free Colorado Springs Dodge Challenger insurance rate quotes

Most companies like State Farm, Allstate and GEICO provide prices online. Getting online quotes for Dodge Challenger insurance in Colorado Springs is quite easy as you just type in the coverage amounts you desire into the quote form. Once entered, their system automatically retrieves reports for credit and driving violations and returns a price determined by many factors. This helps simplify price comparisons, and it is important to do this in order to get the best rate possible.

To get comparison pricing now, compare rates now from the companies shown below. If you have a policy now, it's recommended you duplicate the coverage information identical to your current policy. Using the same limits helps guarantee you're receiving an apples-to-apples comparison for the exact same coverage.

The following companies can provide price quotes in Colorado. If several companies are displayed, we suggest you visit as many as you can to find the lowest auto insurance rates.

Dodge Challenger Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $328 $608 $516 $30 $154 $1,636 $136
Challenger R/T $418 $764 $536 $32 $160 $1,910 $159
Challenger SRT-8 $328 $652 $480 $28 $144 $1,632 $136
Get Your Own Custom Quote Go

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in vehicle garaging location which can decrease or increase auto insurance rates substantially.

Policy deductible comparison

One common question asked by Colorado Springs drivers is which deductible level should you buy. The rates shown below may aid in understanding the rate difference between high and low physical damage coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Dodge Challenger insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $380 $644 $396 $24 $118 $1,587 $132
Challenger R/T $420 $740 $396 $24 $118 $1,723 $144
Challenger SRT-8 $458 $838 $396 $24 $118 $1,859 $155
Get Your Own Custom Quote Go
Dodge Challenger insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $210 $340 $396 $24 $118 $1,088 $91
Challenger R/T $232 $390 $396 $24 $118 $1,160 $97
Challenger SRT-8 $254 $442 $396 $24 $118 $1,234 $103
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in specific location information which can raise or lower insurance rates significantly.

We can derive from the above data that using a $100 deductible costs roughly $47 more each month or $564 every year than requesting the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 19 months between claim filings, you would probably be better off if you choose the higher deductible.

Buying the right Challenger insurance in Colorado is an important decision

Despite the high cost of buying insurance for a Dodge Challenger in Colorado Springs, paying for auto insurance is mandatory in Colorado but it also protects more than you think.

The benefits of carrying adequate insurance definitely exceed the price paid, especially when you need to use it. As of last year, the average driver in Colorado is currently overpaying as much as $700 annually so we recommend shopping around every year to be sure current rates are still competitive.

Components of Your Dodge Challenger Insurance Premiums

An important part of buying insurance is that you know some of the elements that play a part in calculating the level of your policy premiums. When you understand what influences your rates, this allows you to make good choices that will entitle you to better insurance rates.

Listed below are some of the most rate-impacting factors used by your company to calculate premiums.

Lower rate quotes on Dodge Challenger insurance in Colorado Springs with these car insurance discounts

Car insurance can cost a lot, but you may qualify for discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time you complete a quote, but a few need to be specially asked for in order for you to get them.Cheaper car insurance with discounts

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates all the discounts add up to a free policy, that's just not realistic.

A list of car insurance companies and a selection of discounts are outlined below.

When comparing rates, check with every prospective company to apply every possible discount. Depending on the company, some discounts might not apply in Colorado Springs.

Auto insurance can be complex

Always keep in mind that when comparing the best auto insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. You are unique.Higher deductibles save money

For instance, these questions may help you determine if your insurance needs would benefit from professional advice.

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Insurance is available from your local insurance agencies

A lot of people would rather go talk to an agent and doing that can be a smart decision Good agents are trained risk managers and will help you if you have claims. An additional benefit of getting online price quotes is that you can find cheap rate quotes and still have a local agent. And buying from local agencies is definitely important in Colorado Springs.

Insurance agency in Colorado SpringsOnce you complete this quick form, your insurance coverage information is transmitted to local insurance agents in Colorado Springs that provide free Colorado Springs car insurance quotes for your insurance coverage. There is no need to search for any insurance agencies since rate quotes are delivered to you directly. If for some reason you want to get a comparison quote from a particular provider, you just need to visit that company's website and give them your coverage information.

Types of auto insurance agents in Colorado Springs

If you need to find a local agent, you should know the different types of agencies and how they are slightly different. Colorado Springs agents can be categorized as either exclusive or independent agents depending on their company appointments. Both types can handle insurance, but it's important to point out how they differ since it can impact the kind of agent you use.

Independent Insurance Agents

Independent insurance agents are not limited to a single company so they can quote policies amongst many companies and find you cheaper rates. If you are not satisfied with one company, your agent can switch companies and you don't have to switch agencies.

When shopping rates, you definitely need to get rate quotes from a couple of independent agencies to get the most accurate price comparison.

Listed below is a short list of independent insurance agents in Colorado Springs who may be able to give you price quotes.

4390 Academy Blvd N - Colorado Springs, CO 80918 - (719) 329-4441 - View Map

1837 Austin Bluffs Pkwy #101 - Colorado Springs, CO 80918 - (719) 268-1300 - View Map

5155 N Academy, #110 - Colorado Springs, CO 80918 - (719) 622-3079 - View Map

More Colorado Springs agents

Exclusive Insurance Agents

These type of agents normally can only provide a single company's rates and some examples include State Farm or Allstate. They generally cannot provide other company's prices so they have to upsell other benefits. They are usually quite knowledgeable on what they offer which helps offset the inability to provide other markets.

Below are exclusive agencies in Colorado Springs that can give you rate quotes.

Jeff Schmidt - State Farm Insurance Agent
1230 Tenderfoot Hill Rd Ste. 200 - Colorado Springs, CO 80906 - (719) 445-0070 - View Map

1957 W Uintah St - Colorado Springs, CO 80904 - (719) 477-1636 - View Map

308 W Fillmore St #106 - Colorado Springs, CO 80907 - (719) 632-5433 - View Map

More Colorado Springs agents

Finding the right insurance agent shouldn't rely on just a cheap price quote. Here are some questions to ask:

After talking to the agent and getting reasonable responses to all your questions and a low price estimate, you may have just found an auto insurance agent that is reputable and can provide insurance coverage.

Shop smart and save

Some companies may not have price quotes online and these small, regional companies provide coverage only through local independent agents. The cheapest Dodge Challenger insurance in Colorado Springs can be sourced both online as well as from independent agents in Colorado Springs, so compare prices from both in order to have the best price selection to choose from.

When shopping online for insurance, it's not a good idea to buy less coverage just to save a little money. Too many times, someone dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

Drivers change insurance companies for any number of reasons including denial of a claim, policy cancellation, policy non-renewal and high rates after DUI convictions. No matter why you want to switch, finding a great new company can be less work than you think.

Other resources