Compare Dodge Challenger Insurance Rates in Miami

Insurance for Dodge ChallengerThe easiest way to get discount auto insurance rates in Miami is to regularly compare quotes from different companies that sell auto insurance in Florida. You can compare rates by following these guidelines.

The most important part of this process is to try to compare identical deductibles and limits on each price quote and and to get prices from as many companies as feasibly possible. Doing this ensures a fair rate comparison and a complete price analysis.

Amazingly, the majority of drivers kept their coverage with the same auto insurance company for at least four years, and virtually 40% of consumers have never even compared quotes to find affordable rates. With the average premium in America being $1,847, drivers could save themselves roughly $850 a year by just comparing quotes, but they don’t want to take the time to go online and compare rates.

If you’re already insured, you will be able to lower your rates using this information. Locating the most cost-effective car insurance policy in Miami is actually quite simple. But Florida drivers need to have an understanding of how the larger insurance companies sell online and take advantage of how the system works.

Low Cost car insurance in Miami, FL

The following companies offer price comparisons in Florida. If you want to find cheap car insurance in FL, we suggest you visit two to three different companies to get a more complete price comparison.

Detailed insurance information

The price information displayed below highlights detailed analysis of policy rates for Dodge Challenger models. Learning how auto insurance prices are formulated can aid in making smart choices when purchasing an auto insurance policy.

Dodge Challenger Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $322 $594 $570 $34 $170 $1,690 $141
Challenger R/T $356 $684 $570 $34 $170 $1,814 $151
Challenger SRT-8 $388 $774 $570 $34 $170 $1,936 $161
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in specific zip code location which can raise or lower coverage rates noticeably.

Higher deductibles save money

A question often asked by Miami drivers is how high should your deductibles be. The comparisons below sum up the rate differences when you buy lower versus higher physical damage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Dodge Challenger insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $452 $764 $472 $28 $142 $1,883 $157
Challenger R/T $498 $880 $472 $28 $142 $2,045 $170
Challenger SRT-8 $544 $994 $472 $28 $142 $2,205 $184
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Dodge Challenger insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $250 $402 $472 $28 $142 $1,294 $108
Challenger R/T $276 $464 $472 $28 $142 $1,382 $115
Challenger SRT-8 $302 $524 $472 $28 $142 $1,468 $122
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in your specific Miami location which can modify insurance rates substantially.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $55 more each month or $660 a year than selecting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 16 months between claim filings, you would probably come out ahead if you choose a higher deductible.

The example below shows how different deductible levels and can affect Dodge Challenger insurance costs for different age groups of insureds. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

Take advantage of these premium slashing discounts

Car insurance companies don’t always advertise every policy discount in an easy-to-find place, so the list below gives a summary of both the well known and the more hidden credits that may apply to you. If you do not double check each discount available, you are just wasting money.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Despite the fact that it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

The illustration below compares Dodge Challenger insurance rates with and without discounts. The information is based on a male driver, no violations or claims, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, marriage, homeowner, and safe-driver discounts applied.

Popular auto insurance companies and some of the premium reductions they offer include:

When getting a coverage quote, ask all the companies to apply every possible discount. Some of the discounts discussed earlier might not be offered in Miami. For a list of providers offering auto insurance discounts in Miami, follow this link.

Auto insurance is unique, just like you

When quoting and comparing a policy, there really is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions could help you determine if your situation may require specific advice.

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Compare prices but buy from a local Miami insurance agency

A small number of people still prefer to sit down with an agent and that is recommended in a lot of cases A nice benefit of comparing insurance prices online is that you can find lower rates and still choose a local agent. And buying from local agents is important particularly in Miami.

Miami insurance agentsTo make it easy to find an agent, after completing this quick form, your information is sent to participating agents in Miami that can provide free Miami auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies because prices are sent immediately to you. You can get cheaper insurance rates without a big time investment. If you need to compare rates from a specific company, don’t hesitate to go to their quote page and submit a quote form there.

Independent or Exclusive: It’s your choice

When researching a reputable insurance agent or broker, it’s helpful to know the types of agencies that you can select. Insurance agencies in Miami may be either independent or exclusive depending on the company they work for.

Independent Insurance Agencies or Brokers

Independent agents are not restricted to one company and that allows them to write policies through many companies and find you cheaper rates. If they find a lower price, the business is moved internally and you stay with the same agent.

When comparing insurance prices, it’s recommended you contact at a minimum one independent agency to ensure the widest selection of prices.

Listed below are independent agents in Miami that may be able to provide price quotes.

Miami International Insurance Agency
2200 SW 16th St, Suite 212Miami, FL 33145(305) 856-3333View Map

3819 NW 7th StMiami, FL 33126(305) 335-8676View Map

AV Insurance Agency Inc
2497 NW 79th StMiami, FL 33147(305) 696-2291View Map

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Exclusive Agencies

Agents in the exclusive channel can only place business with one company like AAA, Allstate, State Farm, or Farmers Insurance. They are unable to place coverage with different providers so keep that in mind. Exclusive agents receive extensive training in insurance sales which helps them compete with independent agents.

Listed below is a list of exclusive insurance agents in Miami that are able to give comparison quotes.

5209 NW 36th StMiami Springs, FL 33166(305) 887-9543View Map

Rick Gonzalez – State Farm Insurance Agent
8830 Coral WayMiami, FL 33165(305) 226-3412View Map

2250 S Dixie Hwy Ste. 2Miami, FL 33133(305) 860-0616View Map

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Selecting a insurance agent should include more criteria than just a low price. The following questions are important to ask.

Upon receiving good answers to your questions in addition to an acceptable price estimate, you may have just found an insurance agent that will provide insurance coverage.

What is YOUR best insurance company?

Lower-priced car insurance in Miami can be sourced on the web and from local insurance agents, and you should be comparing both so you have a total pricing picture. Some car insurance companies don’t offer rates over the internet and usually these smaller companies provide coverage only through independent agents.

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured dropped uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at a price you can afford while still protecting your assets.

People who switch companies do it for a variety of reasons including extreme rates for teen drivers, unfair underwriting practices, policy non-renewal and high rates after DUI convictions. It doesn’t matter why you want to switch switching car insurance companies can be easy and end up saving you some money.

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