Save Money on Dodge Challenger Insurance in Cincinnati

It takes a few minutes, but the best way to find low-cost prices for auto insurance rates is to start comparing prices yearly from providers that sell auto insurance in Cincinnati.

  1. Read about how companies price auto insurance and the measures you can control to prevent expensive coverage. Many rating criteria that result in higher rates such as multiple speeding tickets and poor credit rating can be controlled by making lifestyle changes or driving safer. Keep reading for instructions to prevent rate hikes and find possible discounts that are available.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or State Farm, while independent agents can provide rate quotes from multiple companies. Compare rates
  3. Compare the quotes to your current policy premium and see if there is a cheaper rate. If you can save some money, make sure coverage does not lapse between policies.
  4. Provide notification to your current agent or company of your decision to cancel the current policy and submit the signed application along with the required initial payment to your new insurance company. When you receive it, put the new proof of insurance certificate in an easily accessible location in your vehicle.

A valuable tip to remember is to try to compare identical deductibles and limits on every quote request and and to get price estimates from all possible companies. Doing this helps ensure a level playing field and a complete price analysis.

Insurance for Dodge ChallengerSurprisingly, a recent survey revealed that nearly 70% of customers have remained with the same insurance company for at least four years, and just under half have never even shopped around for affordable coverage. The average driver in Cincinnati could save $700 a year by just comparing rate quotes, but they don’t want to spend time to shop their coverage around.

The companies in the list below can provide free rate quotes in Cincinnati, OH. To get the best cheap car insurance in OH, we recommend you visit two to three different companies in order to find the lowest rates.

Premium rates and analysis

The coverage information below showcases estimates of insurance policy prices for Dodge Challenger models. Learning a little about how auto insurance prices are figured can assist in making informed coverage decisions.

Dodge Challenger Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $136 $220 $256 $16 $76 $704 $59
Challenger R/T $150 $252 $256 $16 $76 $750 $63
Challenger SRT-8 $164 $286 $256 $16 $76 $798 $67
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Information does not factor in vehicle location which can raise or lower premiums considerably.

The information below demonstrates how choosing different deductibles and can impact Dodge Challenger insurance rates for different age groups. The information is based on a single female driver, full coverage, and no discounts are applied to the premium.

Auto insurance premiums by gender

The chart below shows the difference between Dodge Challenger annual premium costs for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no discounts are factored in.

Comparison of full coverage and liability-only policies

The chart below visualizes the comparison of Dodge Challenger insurance prices with full coverage and liability only. The data is based on no claims or violations, $250 deductibles, single status, and no policy discounts are applied.

Are you wasting money on full coverage?

There is no clear-cut rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s say your Dodge Challenger replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after the deductible is paid. If it’s costing you more than $700 annually for full coverage, then you might want to think about dropping full coverage.

There are a few situations where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Why you need vehicle insurance in Ohio

Despite the high cost of buying insurance for a Dodge Challenger in Cincinnati, auto insurance may be required and benefits you in several ways.

The benefits of having auto insurance definitely exceed the price paid, especially with large liability claims. According to a 2015 survey, the average American driver overpays as much as $825 a year so you should quote rates every year to help ensure money is not being wasted.

What Determines Dodge Challenger Insurance Prices?

Many factors are part of the calculation when premium rates are determined. Some factors are common sense like your driving record, although others are less apparent such as whether you are married or your financial responsibility. Smart consumers have a good feel for the rating factors that are used to determine the level of your policy premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that could result in cheaper rates.

The list below includes most of the major factors utilized by car insurance companies to help set rates.

Discount Cincinnati insurance quotes

Some insurers don’t list every discount they offer in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find credits available to you.Insurance discounts

Policy discounts save money, but most discounts do not apply to the whole policy. Some only apply to specific coverage prices like comp or med pay. So even though they make it sound like you could get a free insurance policy, nobody gets a free ride.

The diagram below visualizes the comparison of Dodge Challenger annual premium costs with and without discounts being applied to the rates. Data assumes a male driver, no claims or driving violations, Ohio state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, claim-free, multi-policy, and multi-car discounts applied.

The best insurance companies and the discounts they provide can be read below.

When getting free Cincinnati auto insurance quotes, it’s a good idea to each company or agent how you can save money. Some of the discounts discussed earlier may not be available in your area.

Buying car insurance from Cincinnati auto insurance agents

Certain consumers would prefer to get advice from a local agent and that is recommended in a lot of cases Good insurance agents are highly skilled in risk management and help in the event of a claim. One of the benefits of getting online price quotes is the fact that you can find better rates and also buy local.

Find insurance agent in CincinnatiBy using this form (opens in new window), your information is immediately sent to insurance agents in Cincinnati who will give competitive quotes for your insurance coverage. You won’t even need to even leave your home as quotes are delivered to you directly. If you wish to get a comparison quote for a specific company, just navigate to their website and fill out the quote form the provide.

Finding the right insurer requires you to look at more than just a cheap quote. Any agent in Cincinnati should be forthright in answering these questions:

Different types of car insurance agents in Cincinnati

When narrowing the list to find a reputable agency, you must know there are a couple types of agencies and how they can quote your rates. Car insurance agents in Cincinnati are considered either exclusive or independent agents depending on their company appointments. Either one can insure your vehicles properly, but it’s worth mentioning the difference in how they write coverage since it could factor into your selection of an agent.

Exclusive Agencies

Exclusive insurance agents write business for a single company such as Farmers Insurance or State Farm. These agents are not able to compare rates from other companies so always compare other rates. Exclusive agencies receive a lot of sales training on their products and sales techniques and that allows them to sell at a higher price point.

Listed below are exclusive insurance agents in Cincinnati that are able to give price quote information.

9816 Springfield PikeCincinnati, OH 45215(513) 771-6226View Map

Beth Wilker – State Farm Insurance Agent
8406 Winton RdCincinnati, OH 45231(513) 521-0884View Map

8952 Winton RdCincinnati, OH 45231(513) 681-6400View Map

More Cincinnati agents

Independent Agents

Agents in the independent channel are not employed by any specific company so they have the ability to put coverage with an assortment of companies and find you the best rates. If your agent finds better pricing, they can switch companies in-house which is easy for the insured. When searching for an agent, we highly recommend that you check rates from at a minimum one independent agency for maximum quote selection.

Below are Cincinnati independent agencies who can help you get price quote information.

1080 Nimitzview Dr #301Cincinnati, OH 45230(513) 624-0900View Map

5932 Glenway AveCincinnati, OH 45238(513) 451-8050View Map

6701 Ruwes Oak DrCincinnati, OH 45248(513) 896-5555View Map

More Cincinnati agents

Ohio auto insurance company ratings

Finding the right auto insurance company can be challenging considering how many different companies insure vehicles in Cincinnati. The ranking information shown next may help you choose which auto insurers you want to consider purchasing from.

Top 10 Cincinnati Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top 10 Cincinnati Car Insurance Companies Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

Cheap car insurance is out there

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The ultimate goal is to find the BEST coverage for the lowest price.

Discount Dodge Challenger insurance in Cincinnati is definitely available on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection. A few companies may not have the ability to get a quote online and many times these regional insurance providers sell through independent insurance agents.

We’ve covered many tips how you can find lower-cost Dodge Challenger insurance in Cincinnati. The key concept to understand is the more times you quote, the higher your chance of finding the cheapest Dodge Challenger rate quotes. Consumers may even find the most savings is with a small mutual company. They may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

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