Would you prefer to buy the cheapest Dodge Challenger insurance in Houston? Feel like you have an expensive insurance policy? Trust us, you are not the only one feeling buyer’s remorse.
Remarkably, a study showed that the vast majority of insurance customers kept buying from the same company for four years or more, and almost half have never even compared rates from other companies. Many consumers in Houston could save roughly $1,770 each year by just comparing rate quotes, but they just don’t want to go online and compare rates.
Numerous auto insurance companies battle for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest rate on Dodge Challenger insurance in Houston.
Cheap companies for Dodge Challenger insurance
The companies in the list below are ready to provide free rate quotes in Houston, TX. If several companies are displayed, it’s highly recommended you compare several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $178 | $312 | $414 | $24 | $124 | $1,052 | $88 |
| Challenger R/T | $280 | $520 | $582 | $34 | $174 | $1,590 | $133 |
| Challenger SRT-8 | $382 | $754 | $404 | $24 | $122 | $1,686 | $141 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in specific zip code location which can revise coverage rates noticeably.
Rate comparison of full coverage and liability-only
The illustration below illustrates the difference between Dodge Challenger annual premium costs when comparing full coverage to state minimum liability only. Data assumes no accidents or driving violations, $500 deductibles, single male driver, and no discounts are applied.
When to stop buying comprehensive and collision coverage
There is no definitive guideline to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s pretend your Dodge Challenger claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after paying your policy deductible. If you are paying more than $700 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are a few cases where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Verify you’re getting every discount
Car insurance is not cheap, but discounts can save money and there are some available that can dramatically reduce your bill. A few discounts will automatically apply at quote time, but occasionally some discounts must be inquired about prior to receiving the credit.
- Multi-line Discount – Some insurance companies give a break if you buy some life insurance too.
- Buy New and Save – Buying a new car instead of a used Challenger may earn a small discount because new vehicles keep occupants safer.
- Mature Driver Discount – Drivers that qualify as senior citizens could receive a discount up to 10%.
- Defensive Driver – Taking a driver safety class is a good idea and can lower rates depending on where you live.
- Onboard Data Collection – Policyholders that allow their insurance company to track driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they exhibit good driving behavior.
- Government Employee Discount – Federal government employees may reduce rates when you quote Houston auto insurance with certain companies.
Just know that many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, companies don’t profit that way.
Insurance companies that possibly offer these discounts include:
If you need affordable Dodge Challenger insurance quotes, ask every prospective company which credits you are entitled to. Discounts might not be offered on policies in your state. To see a list of insurance companies that offer some of these discounts in Houston, click here to view.
Insurance agent or online?
Many drivers would prefer to sit down and talk to an agent and doing that can be a smart decision An additional benefit of comparing rate quotes online is that you can find cheap auto insurance rates and also buy local. And buying from neighborhood insurance agencies is important particularly in Houston.
After filling out this quick form, your information gets sent to participating agents in Houston that can give you free Houston auto insurance quotes for your auto insurance coverage. It makes it easy because there is no need to contact an agency because prices are sent to you. It’s the lowest rates and an insurance agent to talk to. If you have a need to quote rates from a particular provider, you just need to navigate to their website and submit a quote form there.
If you’re trying to find local Houston agents, it’s helpful to know the different types of agents and how they can write your policy. Agents in Houston can either be independent or exclusive depending on the company they work for.
Independent Auto Insurance Agents (or Brokers)
Independent agents do not have single company limitations so they can write business with any number of different companies and help determine which has the cheapest rates. To move your coverage to a new company, they simply move your policy to a different company and that require little work on your part. When comparing auto insurance rates, you need to get several quotes from a couple of independent agencies to have the best price comparison.
The following are independent insurance agencies in Houston that can possibly get you competitive price quotes.
Craig Insurance Agency
1020 Bay Area Blvd # 100 – Houston, TX 77058 – (281) 488-2733 – View Map
Hallmark Insurance Agency Inc
12337 Jones Rd – Houston, TX 77070 – (281) 894-8200 – View Map
Noveri Insurance Agency
2657 Gessner Rd – Houston, TX 77080 – (713) 460-9400 – View Map
Exclusive Agents
Exclusive agents have only one company to place business with and some examples include Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents receive extensive training on the products they sell which can be an advantage.
Below are Houston exclusive insurance agents who can help you get rate quotes.
State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 – View Map
Linda Tuck – State Farm Insurance Agent
2402 Bay Area Blvd g – Houston, TX 77058 – (281) 488-9050 – View Map
Felicia Boudreaux – State Farm Insurance Agent
14901 TX-249 #105 – Houston, TX 77086 – (713) 464-2077 – View Map
Finding the right insurance agency requires you to look at more than just the quoted price. Any agent in Houston should have no problem answering these questions:
- Can they help ensure a fair claim settlement?
- Which family members are covered?
- How will an accident affect your rates?
- Do they offer claims assistance after hours?
- Is working in the agency their full-time job?
- Will they give you a referral list?
- How would your car be valued if totalled?
After getting acceptable answers to any questions you may have and inexpensive Dodge Challenger insurance in Houston quotes, you have narrowed it down to an insurance agent that will insure your vehicles. But keep in mind you can cancel coverage any time you want so don’t assume that you’re stuck with your new company with no way out.
Auto insurance coverage basics
Understanding the coverages of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.
Auto liability insurance – Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 30/60/25 that translate to $30,000 in coverage for each person’s injuries, a total of $60,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against things such as court costs, medical services, structural damage and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as much as you can afford. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing more coverage.
Collision – Collision coverage pays for damage to your Challenger resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as damaging your car on a curb, colliding with another moving vehicle, colliding with a tree, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible on your Challenger in order to get cheaper collision rates.
Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like falling objects, damage from getting keyed and damage from a tornado or hurricane. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like nursing services, chiropractic care, prosthetic devices and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Challenger.
Since a lot of drivers only purchase the least amount of liability that is required (30/60/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.
One last thing to lower rates
When getting Houston auto insurance quotes online, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.
Cheaper car insurance in Houston can be bought both online and from local agencies, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not offer online quoting and these small insurance companies only sell through independent agencies.
We covered quite a bit of information on how to lower your Dodge Challenger insurance prices in Houston. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheaper Houston auto insurance quotes. Drivers may even discover the most savings is with a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give better rates than their larger competitors like State Farm or Progressive.
Helpful resources
- Keeping Children Safe in Crashes Video (iihs.org)
- Who Has the Cheapest Houston Auto Insurance Quotes for a Dodge Ram? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- Credit and Insurance Scores (Insurance Information Institute)