Insurance rates Dodge Challenger in HonoluluWould you like to find the cheapest Dodge Challenger insurance in Honolulu? Paying for expensive Dodge Challenger insurance in Honolulu can deplete your savings account and make it tough to pay other bills. Comparison shopping is a smart way to make ends meet.

Amazingly, nearly 70% of customers renewed their policy with the same company for four years or more, and nearly the majority have never quoted rates to find affordable coverage. With the average premium in the United States being $1,847, drivers could cut their rates by roughly $859 a year by just comparing rate quotes, but they underestimate the actual amount they would save if they switched to a more affordable policy.

You have multiple insurers to buy insurance from, and although it's a good thing to have multiple companies, it can be more difficult to find a good deal for Dodge Challenger insurance in Honolulu.

Quoting and buying the lowest cost policy in Honolulu can be fairly easy. Nearly every person who wants cheaper auto insurance will be able to cut their insurance bill. Nevertheless, Hawaii vehicle owners can benefit from knowing how big insurance companies set your policy premium because it varies considerably.

Best Dodge Challenger insurance rate quotes in Hawaii

The companies in the list below can provide free quotes in Honolulu, HI. If multiple companies are shown, it's highly recommended you click on several of them in order to find the most affordable rates.

Dodge Challenger Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $180 $320 $314 $18 $94 $926 $77
Challenger R/T $288 $514 $308 $18 $92 $1,220 $102
Challenger SRT-8 $384 $776 $404 $24 $120 $1,708 $142
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can impact insurance rates greatly.

Physical damage deductible comparison

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The tables below determine the differences in price between high and low physical damage coverage deductibles. The first data set uses a $100 physical damage deductible and the second set of prices uses a $1,000 deductible.

Dodge Challenger insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $286 $484 $300 $18 $90 $1,203 $100
Challenger R/T $316 $558 $300 $18 $90 $1,307 $109
Challenger SRT-8 $346 $632 $300 $18 $90 $1,411 $118
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Dodge Challenger insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Challenger SE $158 $256 $300 $18 $90 $822 $69
Challenger R/T $176 $294 $300 $18 $90 $878 $73
Challenger SRT-8 $192 $332 $300 $18 $90 $932 $78
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect rates significantly.

Based on the figures above, using a $100 deductible will cost you roughly $36 more each month or $432 each year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 25 months between claim filings, you would more than likely save some money by selecting a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $109
Average monthly premium for $1,000 deductibles (subtract): - $73
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One thing to note is that higher deductibles means you will have to pay more of your own money when you do file a claim. It will be required that you have some savings in the bank in the event you have to pay more to get your vehicle repaired.

Get cheap rates on Dodge Challenger insurance in Honolulu with these nine discounts

Companies that sell car insurance don't always list every discount they offer very clearly, so the below list has a few of the more common as well as some of the hidden discounts you could be receiving when you buy Honolulu car insurance online.Car insurance discounts

Consumers should know that most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, you won't be that lucky. But any discount will cut the amount you have to pay.

Large car insurance companies and some of their more popular discounts are included below.

Before purchasing a policy, check with every prospective company to give you their best rates. All car insurance discounts may not apply to policyholders everywhere. If you would like to see a list of insurance companies that have a full spectrum of discounts in Honolulu, click here.

Which policy gives me the best coverage?

When selecting coverage online or from an agent for your vehicles, there really is not a perfect coverage plan. You are unique and your policy should reflect that.Drive safe and save For instance, these questions could help you determine if your insurance needs could use an agent's help.

If you're not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance agencies can help

Many people still prefer to talk to a local agent and doing that can be a smart decision A nice benefit of comparing rates online is that you can obtain better rates but also keep your business local. Buying insurance from local insurance agents is definitely important in Honolulu.

Once you complete this simple form, your information is emailed to local insurance agents who will give you bids for your car insurance coverage. There is no reason to leave your computer because quoted prices will be sent directly to your email. You can find the lowest rates and an insurance agent to talk to. If you need to get a price quote from a specific company, you would need to navigate to their website and give them your coverage information.

Choosing a insurance company should depend on more than just the bottom line cost. Below are some questions you should ask.

Specifics of your auto insurance policy

Having a good grasp of auto insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on most auto insurance policies.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses like hospital visits, rehabilitation expenses, ambulance fees, prosthetic devices and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Challenger to bring the cost down.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the "other guys" do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Challenger.

Since a lot of drivers carry very low liability coverage limits (20/40/10 in Hawaii), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 20/40/10 that means you have $20,000 in coverage for each person's injuries, $40,000 for the entire accident, and a limit of $10,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical expenses, bail bonds, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible. Hawaii state minimum liability requirements are 20/40/10 but drivers should carry more liability than the minimum.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, damage from flooding and hitting a deer. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Don't give up on affordable premiums

As you prepare to switch companies, it's not a good idea to skimp on critical coverages to save a buck or two. In many instances, someone dropped collision coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

Affordable Dodge Challenger insurance in Honolulu is possible on the web and from local agencies, so get free Honolulu car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers don't offer online quoting and usually these smaller providers prefer to sell through local independent agencies.

We covered many ways to lower your Dodge Challenger insurance premium rates in Honolulu. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

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