Insurance quote for Dodge Challenger in TacomaDo you want to save money by buying cheaper Dodge Challenger insurance in Tacoma? Are you burned out from scraping the payment together to pay auto insurance each month? You're in the same situation as many other Washington drivers.

Regrettably, 70% of consumers have remained with the same auto insurance company for at least the last four years, and about 40% of consumers have never even shopped around for lower-cost coverage. Drivers in Tacoma could pocket roughly 40% a year, but they underestimate how much money they would save if they swap their current policy for a cheaper one. With so many different company options, it can be challenging to pick the lowest cost company.

Our goal is to instruct you on how insurance works and some tips to save money. If you have a policy now, you will be able to find the best rates using the ideas you're about to read. You only have to learn the tricks to compare rate quotes from many different companies online.

Lower rate quotes on Dodge Challenger insurance in Tacoma with these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help bring down the price. Some of these discounts will be visible at quote time, but lesser-known reductions have to be requested specifically prior to getting the savings.

Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you won't be that lucky.

Some of the larger companies who might offer these discounts include:

When quoting, ask each company how you can save money. All car insurance discounts may not apply in Tacoma.

Many insurance companies provide prices online. Obtaining pricing for Dodge Challenger insurance in Tacoma is possible for anyone as all you need to do is type in the amount of coverage you want as detailed in the form. Once entered, their quoting system automatically retrieves your credit score and driving record and generates pricing information based on the information you submitted. This helps simplify price comparisons, and it is imperative to compare as many rates as possible in order to find a better rate.

In order to get comparison pricing now, compare rates now from the companies shown below. To compare your current rates, we recommend you complete the form with coverages and limits as shown on your current policy. Doing this assures you will be getting a rate comparison for similar insurance coverage.

The companies shown below are ready to provide price quotes in Tacoma, WA. If the list has multiple companies, it's highly recommended you compare several of them in order to get a fair rate comparison.

Dodge Challenger Insurance Estimates in Tacoma, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $274 $556 $376 $22 $112 $1,340 $112
Challenger R/T $272 $510 $376 $22 $112 $1,292 $108
Challenger SRT-8 $274 $546 $404 $24 $120 $1,368 $114
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can modify price quotes substantially.

Dodge Challenger insurance premiums by gender and age

The illustration below shows the comparison of Dodge Challenger insurance costs for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Higher deductibles lower rates

The example below demonstrates how choosing different deductibles and can raise or lower Dodge Challenger insurance premiums for different ages of insureds. Data assumes a married male driver, comp and collision included, and no discounts are applied to the premium.

Raise deductibles and save

One of the hardest decisions when shopping for car insurance is at what level do you set your deductibles. The comparisons below illustrate the costs and benefits when you select higher and lower coverage deductibles. The first rate estimation uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Dodge Challenger insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $318 $540 $334 $20 $100 $1,337 $111
Challenger R/T $352 $622 $334 $20 $100 $1,453 $121
Challenger SRT-8 $384 $704 $334 $20 $100 $1,567 $131
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Dodge Challenger insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $232 $364 $334 $20 $100 $1,050 $88
Challenger R/T $256 $420 $334 $20 $100 $1,130 $94
Challenger SRT-8 $280 $476 $334 $20 $100 $1,210 $101
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price estimates do not factor in your specific Tacoma location which can impact rates greatly.

We can derive from the above data that using a $100 deductible costs roughly $27 more each month or $324 a year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 15 months between claims, you would probably be better off if you opt for a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $121
Average monthly premium for $500 deductibles (subtract): - $94
Monthly savings from raising deductible: $27
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

Learn How to Lower Your Insurance Premiums

Many things are taken into consideration when you get a price on insurance. Some are obvious like your driving record, but other criteria are more transparent such as your marital status or how safe your car is. A large part of saving on insurance is knowing the factors that aid in calculating the rates you pay for insurance. When you understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower premium levels.

The items below are some of the things utilized by car insurance companies to help set your rate level.

When should I contact an insurance agent?

A small number of people would prefer to visit with an insurance agent and that is not a bad decision Licensed agents will help you protect your assets and help in the event of a claim. One of the great benefits of comparing insurance prices online is the fact that drivers can get lower rates and still have an agent to talk to. Putting coverage with local agents is still important in Tacoma.

Find insurance agent in TacomaAfter completing this short form, the quote information is immediately sent to companies in Tacoma who will return price quotes and help you find cheaper coverage. It makes it easy because there is no need to search for any insurance agencies because quoted prices will be sent instantly to you. If you need to compare prices from one company in particular, don't hesitate to search and find their rate quote page to submit a rate quote request.

When narrowing the list to find a reliable insurance agency, it helps to know the two different types of agents and how they differ in how they quote coverages. Agents can be classified as either independent agents or exclusive agents. Both sell and service auto insurance coverage, but it's good to learn the difference in the companies they write for since it could factor into the kind of agent you use.

Independent Agents (or Brokers)

Independent insurance agents often have many company appointments and that allows them to write policies with multiple insurance companies and find you the best rates. If premiums increase, your agent can just switch to a different company and you don't have to switch agencies. If you need cheaper auto insurance rates, it's recommended you check rates from a couple of independent agencies for the best price selection.

Listed below is a short list of independent agents in Tacoma that can give you competitive price quotes.

1901 S 72nd St - Tacoma, WA 98408 - (253) 830-2631 - View Map

1007 Pacific Ave - Tacoma, WA 98402 - (253) 382-2100 - View Map

I-705 - Tacoma, WA 98402 - (877) 949-7873 - View Map

View more Tacoma agents

Exclusive Agents

Agents of this type work for only one company such as Allstate, State Farm and Farm Bureau. They generally cannot give you multiple price quotes so if the price isn't competitive there isn't much they can do. Exclusive insurance agents receive a lot of sales training on their products and sales techniques and that allows them to sell at a higher price point.

Shown below is a short list of exclusive agents in Tacoma willing to provide rate quotes.

7403 Lakewood Dr W #13 - Lakewood, WA 98499 - (253) 565-3234 - View Map

1625 E 72nd St #900 - Tacoma, WA 98404 - (253) 212-3147 - View Map

3025 S Union Ave - Tacoma, WA 98409 - (253) 475-0753 - View Map

View more Tacoma agents

Picking the best auto insurance agent shouldn't rely on just a cheap quote. The following questions are important to ask.

Three main reasons to buy insurance

Even though Tacoma Challenger insurance rates can get expensive, buying insurance is required in Washington but also provides important benefits.

The benefits of buying insurance more than offset the price you pay, particularly for liability claims. According to a survey of 1,000 drivers, the average driver overpays as much as $825 a year so compare quotes from several companies at least once a year to make sure the price is not too high.

Quote more and you will save more

We just covered many ideas to find cheaper Dodge Challenger insurance in Tacoma. It's most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers could even find that the best car insurance rates are with a small mutual company. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

Low-cost Dodge Challenger insurance in Tacoma can be sourced from both online companies as well as from independent agents in Tacoma, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide online rate quotes and usually these small insurance companies only sell through independent agencies.

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