When looking for more affordable insurance, are you intimidated by the sheer number of insurance sources available to you? You're not alone. There are such a large number of options that it can turn into a real hassle to find better prices for Dodge Challenger insurance in Houston. If you live there, you know that Houston is a great city to live in, but budgeting for expensive insurance can make it hard for many drivers to afford coverage.
A recent insurance study revealed that most insurance policyholders have remained with the same insurance company for at least the last four years, and 38% of customers have never compared rates with other companies. Many drivers in Texas can cut their rates by roughly $1,770 a year by just comparing rate quotes, but they don't know the large savings they would see if they switched to a more affordable policy.
It's a good idea to compare rates as often as possible due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best rate on Dodge Challenger insurance in Houston at your last renewal you can probably find a lower rate today. Forget all the misinformation about insurance because you're about to find out the fastest and easiest way to buy cheaper Dodge Challenger insurance in Houston.
Best companies for affordable Dodge Challenger insurance in Texas
The companies shown below are our best choices to provide quotes in Texas. To find the best car insurance in Houston, it's highly recommended you compare several of them to find the cheapest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific zip code location which can decrease or increase insurance rates substantially.
Higher deductibles lower rates
The illustration below shows how different deductible levels and can affect Dodge Challenger insurance costs for each age group. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Full coverage rates compared to liability-only
The illustration below visualizes the comparison of Dodge Challenger insurance costs when comparing full coverage to state minimum liability only. Data assumes no claims or violations, $1,000 deductibles, single male driver, and no discounts are taken into consideration.
When to drop comprehensive and collision
There is no specific rule to eliminate physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let's assume your Dodge Challenger claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying your deductible. If premium cost is more than $600 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some conditions where dropping full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Dodge Challenger insurance rates by gender
The diagram below compares Dodge Challenger premium costs for male and female drivers. The premium estimates are based on no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Dodge Challenger Insurance Rates Can Be More Affordable
A large part of saving on auto insurance is knowing a few of the rating criteria that play a part in calculating your premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs. Lots of things are used when pricing auto insurance. A few of the factors are predictable like an MVR report, but other factors are not quite as obvious like your vehicle usage or your commute time.
Shown below are some of the major factors used by companies to determine rates.
The higher your credit score the lower your costs - Credit rating will be a significant factor in determining what you pay for auto insurance. So if your credit history is low, you could potentially save money when insuring your Dodge Challenger by spending a little time repairing your credit. Consumers who have good credit tend to be better risks to insure as compared to drivers with poor credit scores.
How many coverages with the same company - Most major companies provide a discount to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even if you're getting this discount it's always a smart idea to compare other company rates to confirm you are receiving the best rates possible.There is a good possibility that you can find a better deal by splitting coverages up.
Your gender affects costs - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean females are better at driving than males. Males and females tend to get into fender benders in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also statistically receive more costly citations such as reckless driving. Young males tend to get in the most accidents so they pay the highest premiums.
Consider raising coverage deductibles - Protection for physical damage, aka comp and collision, covers damage that occurs to your Dodge. Examples of some claims that would be covered would be colliding with a building, damage caused by hail, and damage caused by flying debris. Deductibles for physical damage are the amount of money the insured will be required to pay before a claim is paid by your company. The higher the amount the insured has to pay upfront, the better rate you will receive.
With age comes lower premiums - Inexperience drivers are statistically shown to get distracted easily when behind the wheel so auto insurance rates are higher. Parents adding a young driver to your policy can break the bank. More mature drivers are viewed as being more responsible, cost insurance companies less in claims, and get fewer tickets.
Lower premiums with theft deterrents - Purchasing a vehicle with anti-theft technology or alarm system can save you some money. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft and help lower rates.
Cheaper Houston car insurance rates with discounts
Auto insurance companies don't always list all discounts very clearly, so we took the time to find both well-publicized in addition to some of the lesser obvious credits that may apply to you.
- Air Bags and Passive Restraints - Cars that have air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
- Multi-Vehicle Discounts - Purchasing coverage when you have multiple cars on one policy qualifies for this discount.
- Low Mileage - Driving fewer miles could earn substantially lower premium rates.
- Paperless Signup - A few larger online companies give back up to $50 for buying your policy on your computer.
- Defensive Driver Discounts - Taking a course in defensive driving could cut 5% off your bill if your company offers it.
- Federal Government Employee - Active or former government employment could provide a small rate reduction depending on your car insurance provider.
- Discounts for Seat Belt Usage - Buckling up and requiring all passengers to wear their seat belts can save 10% or more off PIP or medical payments premium.
- Resident Student - Older children who are enrolled in higher education away from home and won't have access to an insured vehicle may be able to be covered for less.
- Professional Memberships - Being a member of a qualifying organization could qualify you for a break on your next renewal.
- Discounts for Responsible Drivers - Insureds without accidents may receive a discount up to 45% than their less cautious counterparts.
While discounts sound great, it's important to understand that some credits don't apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, it doesn't quite work that way.
Large car insurance companies and their possible discounts are included below.
- State Farm may include discounts for safe vehicle, defensive driving training, accident-free, multiple policy, and Drive Safe & Save.
- Progressive includes discounts for multi-policy, online signing, online quote discount, homeowner, good student, continuous coverage, and multi-vehicle.
- Travelers discounts include hybrid/electric vehicle, driver training, continuous insurance, multi-car, early quote, payment discounts, and new car.
- American Family may offer discounts for accident-free, air bags, multi-vehicle, bundled insurance, defensive driver, good driver, and Steer into Savings.
- Liberty Mutual policyholders can earn discounts including good student, exclusive group savings, multi-policy, new move discount, multi-car, and preferred payment discount.
If you need lower rates, check with every company to apply every possible discount. Discounts might not be available to policyholders in your state.
Compare rates but buy from a local Houston insurance agency
A lot of people still prefer to get advice from a local agent and that is recommended in a lot of cases One of the great benefits of comparing insurance prices online is the fact that you can find cheaper rates and still choose a local agent.
To make it easy to find an agent, after completing this short form, your insurance coverage information is immediately sent to local insurance agents in Houston who can give free rate quotes to get your business. You won't even need to contact any insurance agencies since rate quotes are delivered to your email. You'll get the best rates and a licensed agent to work with. If for some reason you want to get a comparison quote from a particular provider, you can always jump over to their website and complete a quote there.
Picking the best company needs to be determined by more than just the premium amount. Any agent in Houston should be willing to answer these questions.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they reduce claim amounts on high mileage vehicles?
- Is the agency involved in supporting local community causes?
- By raising physical damage deductibles, how much would you save?
- What are their preferred companies if they are an independent agency?
- What insurance company do they write the most business with?
If you want a reputable agency, you need to know there are two types of agencies and how they function. Agents in Houston can be categorized as either independent agents or exclusive agents.
Exclusive Car Insurance Agencies
Agents that choose to be exclusive have only one company to place business with and examples are Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to compare other company's rates so they are skilled at selling on more than just price. They receive a lot of sales training on their company's products which helps offset the inability to provide other markets. Consumers frequently buy from the same agent for years primarily because of the brand rather than having low rates.
Below is a short list of exclusive insurance agents in Houston that are able to give comparison quotes.
- Joy Knox State Farm Insurance Agency
1510 Eldridge Pkwy #108 - Houston, TX 77077 - (281) 759-4300 - View Map
- Ricky Maique - State Farm Insurance Agent
8811 Westheimer Rd #205 - Houston, TX 77063 - (713) 781-6132 - View Map
- State Farm: Ken Quach
6489 Wilcrest Dr - Houston, TX 77072 - (281) 498-1010 - View Map
Independent Insurance Agents
Independent agents do not sell for just one brand and that is an advantage because they can write policies through many different car insurance companies and get the cheapest rates. If they find a lower price, they can switch companies in-house and that require little work on your part. When comparing car insurance prices, we recommend you include a couple of independent agencies to have the most options to choose from. They often place coverage with lesser-known insurance companies which could offer lower prices.
Below is a list of independent insurance agencies in Houston that can give you price quote information.
- Noveri Insurance Agency
2657 Gessner Rd - Houston, TX 77080 - (713) 460-9400 - View Map
- Pasadena Insurance Agency, Inc.
99 Detering St #280 - Houston, TX 77007 - (713) 869-6991 - View Map
- Texas Prime Insurance Agency, LLC
6750 West Loop S #430 - Bellaire, TX 77401 - (713) 750-9000 - View Map
Are you falling for claims of savings?
Well-known car insurance companies like State Farm, GEICO and Progressive continually stream ads in print and on television. All the ads advertise claims that drivers can save some big amount just by moving your coverage to them. How can each company give you a better price on Dodge Challenger insurance in Houston? Here is the trick they use.
Car insurance companies have a preferred profile for a prospective insured they prefer to insure. A good example of a profitable customer might have to be over the age of 50, has no driving citations, and drives a car with an anti-theft system. Any customer that meets those criteria gets the lowest premium rates and have a good chance to save when they switch companies.
Insureds who fall outside the "perfect" profile will be quoted higher prices and this can result in business not being written. If you listen to the ad wording, they say "people who switch" not "everybody who quotes" save that much money. That's the way companies can state the savings. Different companies use different criteria so you need to compare price quotes frequently. It's not possible to predict the company that will provide the lowest Dodge Challenger insurance in Houston.
Compare. Compare. Compare.
As you restructure your insurance plan, don't be tempted to skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage at the best price, but don't skip important coverages to save money.
We just covered many ideas to shop for Dodge Challenger insurance online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest priced car insurance comes from an unexpected company.
People switch companies for a number of reasons such as policy non-renewal, delays in responding to claim requests, unfair underwriting practices and even policy cancellation. Whatever your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.
More information can be found on the following sites:
- Speed and Speed Limit FAQ (iihs.org)
- How Much are Car Insurance Rates for 4x4 Vehicles in Texas? (FAQ)
- Who Has Cheap Auto Insurance Rates for Teenage Females in Texas? (FAQ)
- Who Has Cheap Car Insurance Quotes for College Students in Texas? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Institute)
- How do I File a Claim? (Insurance Information Institute)