Insurance rates Dodge Challenger in Fort CollinsAre you tired of trying to find more affordable Dodge Challenger insurance in Fort Collins? Scraping up a payment for overpriced Dodge Challenger insurance in Fort Collins can stress out your personal savings and maybe even restrict other spending. Comparing cost estimates can be a smart way to tighten up your finances.

Remarkably, a study showed that about 70% of customers kept their coverage with the same auto insurance company for a minimum of four years, and nearly half have never even shopped around for cheap coverage. Fort Collins drivers could cut their rates by up to 35% a year by just comparing rate quotes, but they don't want to spend time to compare rates and save money.

Many auto insurance companies compete for your business, so it can be very hard to choose a insurance company and get the definite best rates possible on Dodge Challenger insurance in Fort Collins.

If you are insured now, you will definitely be able to cut your premiums using the techniques presented in this article. Finding the cheapest insurance coverage in Fort Collins is really quite simple as long as you have a good starting point. But Colorado car owners do need to know how the larger insurance companies compete online and take advantage of how the system works.

The method we recommend to compare rate quotes for Dodge Challenger insurance in Fort Collins is to know the fact car insurance companies provide online access to give you rate quotes. The one thing you need to do is give them rating details such as what your job is, how many miles driven, how you use your vehicles, and if the car is leased. The data is submitted instantly to many highly-rated insurers and you will get price comparisons immediately.

To check Dodge Challenger insurance prices now, click here and complete the quick form.

The following companies have been selected to offer price quotes in Fort Collins, CO. If several companies are displayed, it's a good idea that you compare several of them to find the lowest auto insurance rates.

Dodge Challenger Insurance Cost Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $272 $500 $480 $28 $144 $1,424 $119
Challenger R/T $200 $382 $448 $26 $134 $1,190 $99
Challenger SRT-8 $288 $584 $448 $26 $134 $1,480 $123
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in vehicle garaging location which can change auto insurance rates greatly.

Rate increases following a ticket or accident

The example below demonstrates how citations and fender-benders can drive up Dodge Challenger insurance rates for each different age group. The data is based on a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

Price comparison of only insuring for liability

The example below visualizes the comparison of Dodge Challenger premium costs with liability coverage only compared to full coverage. The premiums assume no claims or violations, $500 deductibles, married female driver, and no additional discounts are factored in.

When to stop buying full coverage

There is no exact formula to eliminate physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's say your Dodge Challenger claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after you pay the deductible. If you are paying in excess of $300 annually to have full coverage, then it could be time to drop full coverage.

There are some scenarios where dropping full coverage is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Analysis of deductible levels

When shopping for auto insurance, a common question is where should you set your physical damage deductibles. The rates shown below can help you visualize the costs and benefits when you select higher and lower physical damage coverage deductibles. The first data set uses a $100 deductible for comp and collision and the second set of prices uses a $500 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
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Dodge Challenger insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $278 $434 $396 $24 $118 $1,250 $104
Challenger R/T $306 $500 $396 $24 $118 $1,344 $112
Challenger SRT-8 $334 $566 $396 $24 $118 $1,438 $120
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific zip code location which can impact price quotes significantly.

Using the data above, we can ascertain that using a $100 deductible costs roughly $32 more each month or $384 annually than requesting the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 13 months between claims, you would save money if you opt for a higher deductible.

Which policy gives me the best coverage?

Keep in mind that when it comes to choosing a policy, there isn't really a "perfect" insurance plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply.Higher deductibles save money These are some specific questions might help in determining if you might need an agent's assistance.

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance agencies can help

Some consumers prefer to have an agent's advice and doing that can be a smart decision The best thing about comparing insurance prices online is that drivers can save money and get better rates but still work with a licensed agent.

Find insurance agent in Fort CollinsTo find an agent, once you fill out this form (opens in new window), the coverage information is instantly submitted to companies in Fort Collins who will gladly provide quotes for your insurance coverage. It's much easier because you don't need to find an agent on your own as quotes are delivered to the email address you provide. Get lower rates AND a local agent. In the event you want to get a price quote from a particular provider, just search and find their rate quote page and fill out the quote form the provide.

Picking an insurance company shouldn't rely on just a cheap price quote. These are some questions you should get answers to.

When looking for a local Fort Collins insurance agency, you must know there are a couple different types of agents to choose from. Fort Collins agents are classified as either independent (non-exclusive) or exclusive.

Exclusive Car Insurance Agencies

Agents of this type are contracted to one company like Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to place coverage with different providers so you need to shop around if the rates are high. Exclusive insurance agents are well schooled on their company's products which aids in selling service over price.

Shown below are Fort Collins exclusive agents who may provide you with comparison quotes.

375 E Horsetooth Rd Bldg 6100 - Fort Collins, CO 80525 - (970) 223-0940 - View Map

1136 E Stuart St #2220 - Fort Collins, CO 80525 - (970) 223-2911 - View Map

4020 S College Ave #10 - Fort Collins, CO 80525 - (970) 226-5034 - View Map

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Independent Agents

Independent agents are normally appointed by many insurers so they have the ability to put coverage with a variety of different insurance companies and find you cheaper rates. To transfer your coverage to a different company, an independent agent can move your coverage and you stay with the same agent. When searching for an agent, we recommend you get several quotes from multiple independent agents to have the best price comparison.

Shown below is a short list of independent insurance agencies in Fort Collins that are able to give price quotes.

1100 Haxton Dr # 100 - Fort Collins, CO 80525 - (970) 223-1804 - View Map

Colorado - B W Insurance Agency Inc
1075 W Horsetooth Rd # 106 - Fort Collins, CO 80526 - (970) 223-0924 - View Map

1015 W Horsetooth Rd - Fort Collins, CO 80526 - (970) 221-1141 - View Map

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