Discount Dodge Challenger insuranceSearching for cheaper insurance for a new or used Dodge Challenger in Nevada can be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to compare car insurance rates so we're going to tell you the quickest way to quote coverages for a Dodge and locate the best price possible either online or from Reno insurance agents.

Unfortunately, the vast majority of drivers kept their policy with the same company for at least the last four years, and approximately 40% of consumers have never quoted car insurance rates at all. With the average car insurance premium being $1,620, Reno drivers could save about 35% every year just by shopping around, but they don't believe the actual amount they would save if they replace their high priced policy.

Quoting and buying affordable policy in Reno can be fairly easy. If you have a policy now or just want cheaper coverage, you can use these tips to get lower rates while maximizing coverage. Shoppers just need to know the tricks to compare company rates using one simple form.

Companies offering low-cost Dodge Challenger rate quotes in Reno, NV

The companies shown below have been selected to offer quotes in Reno, NV. If multiple companies are listed, we suggest you get rate quotes from several of them to find the most affordable car insurance rates.

Dodge Challenger Insurance Estimates in Reno, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $210 $374 $366 $22 $110 $1,082 $90
Challenger R/T $316 $616 $452 $26 $136 $1,546 $129
Challenger SRT-8 $310 $604 $366 $22 $110 $1,412 $118
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Information does not factor in specific location which can decrease or increase premium rates noticeably.

Auto insurance deductibles

One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The tables below may help to illustrate the premium difference when you buy lower versus higher physical damage deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Dodge Challenger insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $334 $564 $348 $20 $104 $1,395 $116
Challenger R/T $368 $650 $348 $20 $104 $1,515 $126
Challenger SRT-8 $402 $736 $348 $20 $104 $1,635 $136
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Dodge Challenger insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $244 $382 $348 $20 $104 $1,098 $92
Challenger R/T $268 $438 $348 $20 $104 $1,178 $98
Challenger SRT-8 $294 $496 $348 $20 $104 $1,262 $105
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in Reno location which can alter coverage rates considerably.

We can estimate from the data above that using a $100 deductible will cost you roughly $28 more each month or $336 annually than quoting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 14 months between claims, you would save money if you choose the higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $126
Average monthly premium for $500 deductibles (subtract): - $98
Monthly savings from raising deductible: $28
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important caveat is that increasing deductibles to lower your rates means you pay more out-of-pocket when you have to file a claim. You must have access to more funds in the event you have to pay more for the deductible.

Insurance rates and discounts

Some companies do not list every available discount very clearly, so the list below gives a summary of some of the best known in addition to some of the lesser obvious discounts that you may qualify for.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, company stockholders wouldn't be very happy. Any amount of discount will help lower your policy premium.

A partial list of companies who might offer these money-saving discounts include:

When comparing rates, check with all the companies what discounts are available to you. Some discounts listed above may not apply in Reno. If you would like to see a list of providers with significant discounts in Reno, click here to view.

You are unique and your insurance should be too

When quoting and choosing coverage online or from an agent, there isn't really a single plan that fits everyone. Everyone's situation is unique.

These are some specific questions might help in determining if you could use an agent's help.

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It's fast, free and you can get the answers you need.

Exclusive and independent insurance agents

A lot of people just want to have an agent's advice and that is not a bad decision Professional agents are very good at helping people manage risk and help in the event of a claim. One of the benefits of getting online price quotes is that you can obtain better rates and still buy from a local agent. And buying from local agencies is definitely important in Reno.

Find insurance agent in RenoTo find an agent, once you fill out this form (opens in new window), your insurance data is transmitted to companies in Reno who will give you bids and help you find cheaper coverage. You won't even need to do any legwork as quotes are delivered straight to your inbox. If you have a need to get a comparison quote from a particular provider, don't hesitate to find their quoting web page and fill out their quote form.

When narrowing the list to find a reliable agent, it's important to understand the different types of agents that you can select. Agents in Reno can either be independent or exclusive. Both types can insure your vehicles, but it's good to learn the subtle differences because it can influence buying decisions.

Independent Agencies or Brokers

Agents that elect to be independent are not restricted to one company and that is an advantage because they can write policies through many companies and find you cheaper rates. To transfer your coverage to a different company, an independent agent can move your coverage and you don't have to switch agencies. When comparison shopping, you will definitely want to get some free quotes from independent agents in order to compare the most rates. Many can place coverage with different regional companies that can offer cheaper rates than bigger companies.

The following is a partial list of independent insurance agents in Reno who may provide free price quotes.

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Exclusive Insurance Agencies

Agents in the exclusive channel can only place business with one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on their products and sales techniques and that enables them to sell even at higher rates. Some insured continue to buy from the same agent for years mainly due to the prominence of the brand instead of buying on price only.

Shown below is a list of exclusive insurance agencies in Reno that are able to give price quotes.

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Choosing the best auto insurance agent is decision based upon more than just the premium amount. Here are some questions you might want to ask.

Can you really save $461 a year?

Consumers in Nevada can't get away from ads for the lowest price car insurance by Progressive, Allstate and GEICO. All the ads seem to make the promise about saving some big amount if you get a free Reno auto insurance quote and switch your car insurance coverage to their company.

How does every company charge lower premium rates? This is how they do it.

Car insurance companies are able to cherry pick for the type of driver that earns them the most money. One example of this type of driver might have to be a female over age 40, has no claims, and chooses high deductibles. Any driver who fits those characteristics will get the preferred premium rates in Reno and have a good chance to save a lot on Reno Dodge Challenger insurance if they switch.

Potential customers who are not a match for the requirements must pay a higher rate and this results in business going elsewhere. If you pay attention, the ads say "drivers who switch" but not "everyone who gets a quote" save that much money. That's why companies can make claims that they all have the best rates.

This really drives home the point why you absolutely need to get Reno auto insurance quotes from several different companies. Because without a comparison, you cannot know the company that will give you lower prices than your current company.

Cheaper car insurance prices are available

We've covered a lot of techniques to save on Dodge Challenger insurance in Reno. The key concept to understand is the more rate comparisons you have, the better likelihood of getting affordable Dodge Challenger insurance quotes. You may even discover the best price on car insurance is with the smaller companies.

Cheaper Dodge Challenger insurance in Reno is attainable on the web and also from your neighborhood Reno agents, so you need to quote Reno auto insurance with both to have the best chance of lowering rates. Some car insurance companies do not provide rate quotes online and usually these small insurance companies only sell coverage through independent insurance agents.

Drivers leave their current company for many reasons like high prices, high rates after DUI convictions, delays in paying claims or being labeled a high risk driver. It doesn't matter why you want to switch switching companies is less work than it seems.

Even more information is located by following these links: