Would you like to buy more competitive Dodge Challenger insurance in Omaha? Searching for affordable Omaha Dodge Challenger insurance quotes over the internet may seem to be difficult for beginners to comparing and buying auto insurance over the internet. With so many agents and companies in the marketplace, how are vehicle owners expected to have the ability to compare every possible option in order to find the cheapest available price?
It’s a fact that insurance companies don’t want you quoting rates from other companies. Drivers who get price quotes annually are highly likely to buy a different policy because there is a good chance of finding coverage at a cheaper rate. A recent auto insurance study discovered that drivers who compared rates once a year saved approximately $3,500 over four years compared to other drivers who never compared other company’s rates.
If finding the cheapest price on auto insurance in Omaha is your ultimate goal, then having a good understanding how to find and compare cheaper coverage can make it easier to shop your coverage around.
Smart consumers take time to do price comparisons at least once a year because auto insurance prices are variable and change quite frequently. Even if you think you had the best rates on Dodge Challenger insurance in Omaha two years ago you can probably find a lower rate today. There is too much inaccurate information about Challenger insurance on the internet, but I’m going to show you some proven techniques to reduce your auto insurance bill.
Locating the best rates in Omaha seems hard but is not really that difficult. If you have a current auto insurance policy, you stand a good chance to be able to get lower rates using the techniques presented in this article. Although Nebraska drivers must know how insurance companies calculate your auto insurance rates and take advantage of how the system works.
Lower Your Omaha Insurance Costs
Many things are considered when pricing auto insurance. Some are obvious like your driving record, but other criteria are less apparent such as your credit history or your vehicle rating.
The following are a partial list of the pieces that factor into your rates.
- Do you really need to file those policy claims? – Car insurance companies in Nebraska generally give the best rates to drivers who file claims infrequently. If you file a lot of claims you can expect higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for claims that pose a financial burden.
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Careless drivers pay higher premiums – Having a clean driving record has a lot to do with how much you pay for insurance. Having a single citation can increase the cost of insurance to the point where it’s not affordable. Good drivers get better prices compared to bad drivers. Drivers with multiple violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to maintain a SR-22 with their state’s licensing department in order to legally drive a vehicle.
The chart below shows how traffic citations and at-fault accidents raise Dodge Challenger insurance costs for different categories of driver ages. The information is based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
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Does car insurance cost more for men? – Over time, data shows women tend to be less risk to insure than men. It does not mean females are better at driving than males. Men and women have accidents in similar numbers, but males have costlier accidents. They also get more serious tickets such as DWI and reckless driving.
The illustration below shows the comparison of Dodge Challenger yearly insurance costs for male and female drivers. The premiums are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no policy discounts are applied.
- Improve your credit score and save – Having a bad credit score factor in your rate calculation. Therefore, if your credit history is low, you could potentially save money when insuring your Dodge Challenger by taking the time to improve your credit score. People with high credit ratings tend to be more responsible than drivers who have poor credit scores.
- Lower insurance rates with alarms and GPS tracking – Owning a car with an alarm system can help lower your rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft.
- Qualify for multi-policy discounts – Some insurers afford lower prices to customers who buy several policies from them. It’s known as a multi-policy discount. Even with this discount applied, consumers should still get quotes from other companies to guarantee you are still saving the most.
- Liability is cheap – The liability section of your policy is the protection if you are ruled to be at fault for damages from an accident. It will provide for a legal defense which can cost a lot. Liability insurance is pretty cheap compared to other policy coverages, so drivers should carry high limits.
There are several ways of comparing price quotes from local Omaha auto insurance companies. The quickest method to compare rates involves getting comparison quotes online. It’s important to know that obtaining a wide range of quotes increases the chance that you will find more affordable insurance. Some smaller insurers do not give Omaha Challenger insurance quotes over the internet, so it’s necessary to compare price estimates from them as well.
The providers in the list below are ready to provide price quotes in Nebraska. If your goal is to find the best car insurance in Nebraska, we recommend you click on several of them in order to get a fair rate comparison.
Rates and detailed analysis
The premium table below covers different coverage costs for Dodge Challenger models. Having a better understanding of how car insurance prices are figured is important to be able to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $278 | $538 | $356 | $22 | $106 | $1,300 | $108 |
| Challenger R/T | $308 | $620 | $356 | $22 | $106 | $1,412 | $118 |
| Challenger SRT-8 | $336 | $700 | $356 | $22 | $106 | $1,520 | $127 |
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in vehicle garaging location which can increase or decrease auto insurance rates greatly.
Choosing deductibles
One of the most common insurance questions is which deductible level should you buy. The comparisons below may aid in understanding the rate difference when you buy lower versus higher physical damage deductibles. The first data table uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $324 | $548 | $338 | $20 | $102 | $1,357 | $113 |
| Challenger R/T | $358 | $632 | $338 | $20 | $102 | $1,475 | $123 |
| Challenger SRT-8 | $390 | $716 | $338 | $20 | $102 | $1,591 | $133 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $180 | $290 | $338 | $20 | $102 | $930 | $78 |
| Challenger R/T | $198 | $334 | $338 | $20 | $102 | $992 | $83 |
| Challenger SRT-8 | $216 | $376 | $338 | $20 | $102 | $1,052 | $88 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes considerably.
We can derive from the above data that using a $100 deductible will cost you approximately $40 more each month or $480 every year averaged for all Challenger models than buying 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 go more than 23 months between claim filings, you would probably be better off if you elect the higher deductible.
The information below demonstrates how deductible levels and can increase or decrease Dodge Challenger insurance prices for different categories of driver ages. The costs are based on a married male driver, comp and collision included, and no discounts are factored in.
Protect your Dodge vehicle and other assets
Despite the high cost, car insurance is required for several reasons.
- Most states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance coverage if you drive a vehicle. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Dodge Challenger has a lienholder, almost every bank will require you to have insurance to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank may insure your Dodge at a more expensive rate and require you to fork over for the expensive policy.
- Insurance safeguards your Dodge and your assets. It will also reimburse you for many types of medical costs that are the result of an accident. One policy coverage, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, your car insurance policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance definitely exceed the price paid, especially if you ever need it. Today the average American driver overpays more than $800 each year so compare rate quotes at every policy renewal to help ensure money is not being wasted.
Lower rates by qualifying for discounts
Some insurers don’t list every discount they offer in a way that’s easy to find, so below is a list some of the more common and the harder-to-find savings tricks you should be using when you buy Omaha auto insurance online.
- Save with a New Car – Buying insurance coverage on a new vehicle may earn a small discount since new vehicles are generally safer.
- Defensive Driving Course – Taking part in a course that instructs on driving safety could earn you a small percentage discount and also improve your driving technique.
- Discounts for Multiple Vehicles – Having multiple cars with the same company qualifies for this discount.
- Clubs and Organizations – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on auto insurance.
- Discount for Swiching Early – Some companies reward drivers for renewing your policy before your current coverage expires. It can save you around 10%.
- Low Mileage – Driving fewer miles could earn lower premium rates due to less chance of an accident.
- Auto/Life Discount – Not all companies offer life insurance, but some may give you a break if you buy a life policy as well.
While discounts sound great, it’s important to understand that most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, auto insurance companies aren’t that generous.
The diagram below visualizes the comparison of Dodge Challenger car insurance rates with and without discounts applied to the premium. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, homeowner, marriage, and multi-policy discounts applied.
Large auto insurance companies and some of their more popular discounts include:
- State Farm may offer discounts for accident-free, multiple autos, defensive driving training, student away at school, multiple policy, and safe vehicle.
- American Family offers discounts for bundled insurance, Steer into Savings, defensive driver, mySafetyValet, accident-free, multi-vehicle, and good driver.
- AAA has discounts for anti-theft, good driver, multi-car, AAA membership discount, good student, pay-in-full, and multi-policy.
- GEICO has savings for five-year accident-free, multi-vehicle, emergency military deployment, anti-lock brakes, multi-policy, membership and employees, and defensive driver.
- Mercury Insurance may include discounts for location of vehicle, accident-free, low natural disaster claims, anti-theft, age of vehicle, good driver, and professional/association.
- Farmers Insurance offers discounts including switch companies, pay in full, early shopping, good student, homeowner, and alternative fuel.
- Progressive discounts include multi-vehicle, homeowner, continuous coverage, online quote discount, and good student.
If you want inexpensive Omaha auto insurance quotes, ask every prospective company what discounts are available to you. Discounts might not be offered in Omaha. For a list of providers that offer many of these discounts in Omaha, click here to view.
Auto insurance is available from your local insurance agencies
Many people would rather get professional advice from a licensed agent and that is a personal choice. The best thing about price shopping on the web is that you can obtain cheap auto insurance quotes and still have an agent to talk to.
By using this form (opens in new window), the quote information is submitted to companies in Omaha that can provide free Omaha auto insurance quotes and help you find cheaper coverage. You won’t even need to even leave your home due to the fact that quote results will go immediately to your email address. You can find the lowest rates and a licensed agent to work with. If you have a need to get a rate quote from a specific company, feel free to search and find their rate quote page and submit a quote form there.
Finding a good company should include more criteria than just the premium amount. Any agent in Omaha should be forthright in answering these questions:
- If independent agents, which companies do they recommend?
- What is the financial rating for the quoted company?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Will you work with the agent or an assistant?
- How long has their agency been open in Omaha?
- Is insurance their full-time profession?
Best auto insurance agent in Omaha
When narrowing the list to find an insurance agent, there are a couple of different agency structures from which to choose. Agents are categorized either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
Exclusive agents can only provide one company’s prices and examples are State Farm, Allstate, or Farmers Insurance. They generally cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates. Some insured continue to buy insurance from these agents partially due to the brand and solid financial strength.
Listed below are Omaha exclusive agencies that can give you price quote information.
- American Family Insurance – Shane Boring Agency Inc.
16855 Q St – Omaha, NE 68135 – (402) 932-5755 – View Map - Aaron Stockton – State Farm Insurance Agent
1411 N 72nd St – Omaha, NE 68114 – (402) 551-3455 – View Map - Larry Smith – State Farm Insurance Agent
11717 Burt St #105 – Omaha, NE 68154 – (402) 491-0111 – View Map
Independent Agents (or Brokers)
Independent insurance agents are normally appointed by many insurers and that allows them to write policies through many companies and potentially find a lower price. If they quote lower rates, the agent simply finds a different carrier and you don’t have to find a new agent. If you need lower rates, you should always include several independent agencies to get the most accurate price comparison. A lot of them also have access to smaller regional carriers which may provide better rates.
Below is a list of independent insurance agents in Omaha who can help you get price quotes.
- BW Insurance Agency, Inc.
13906 Gold Cir # 103 – Omaha, NE 68144 – (402) 918-0102 – View Map - N P Dodge Insurance
8701 W Dodge Rd #100 – Omaha, NE 68114 – (402) 938-5008 – View Map - Best Insurance Agency
7300 F St – Omaha, NE 68127 – (402) 331-1515 – View Map
Best auto insurance in Omaha
Selecting a highly-rated auto insurance company can be challenging considering how many choices you have in Nebraska. The company rank data listed below can help you pick which auto insurers you want to consider purchasing a policy from.
Top 10 Omaha Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Allstate
Top 10 Omaha Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
Car insurance can be complex
When selecting your policy, there really isn’t a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
For example, these questions might point out if your situation might need an agent’s assistance.
- Do I need higher collision deductibles?
- Is a blown tire covered by insurance?
- Are my company tools covered if they get stolen?
- How long can I keep a teen driver on my policy?
- Which is better, split liability limits or combined limits?
- Do I need special endorsements for business use of my vehicle?
- What is the minimum liability in Nebraska?
- Which companies will insure me after a DUI?
- What if I total my Dodge Challenger and owe more than it’s worth?
- Should I get collision insurance on every vehicle?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.
Don’t give up on cheaper premiums
Insureds leave their current company for a number of reasons such as high rates after DUI convictions, delays in paying claims, extreme rates for teen drivers and an unsatisfactory settlement offer. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.
Cheap Dodge Challenger insurance in Omaha is possible from both online companies and from local agencies, so you need to quote Omaha auto insurance with both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and many times these smaller companies work with independent agencies.
We just showed you quite a bit of information on how to compare Dodge Challenger insurance car insurance rates in Omaha. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from some of the smallest insurance companies.
How to buy discount Dodge Challenger insurance in Omaha
If your goal is the lowest price, then the best way to find discount auto insurance rates in Omaha is to regularly compare prices from companies in Nebraska.
- Step 1: Try to learn about auto insurance and the measures you can take to prevent expensive coverage. Many risk factors that result in higher prices such as accidents, careless driving, and a less-than-favorable credit score can be controlled by making small lifestyle or driving habit changes.
- Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while agents who are independent can quote prices for a wide range of companies. View prices
- Step 3: Compare the new rate quotes to your existing coverage to see if cheaper Challenger coverage is available in Omaha. If you can save money and switch companies, make sure coverage does not lapse between policies.
- Step 4: Give notification to your agent or company of your intention to cancel your current policy. Submit a down payment along with a signed application for the new policy. When you receive it, place the new certificate verifying proof of insurance with your vehicle’s registration.
One important bit of advice is to use the same deductibles and limits on each quote request and and to look at all possible companies. Doing this helps ensure a fair rate comparison and a complete selection of prices.
More detailed auto insurance information is available in the articles below:
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has the Cheapest Car Insurance Rates for a Learners Permit in Omaha? (FAQ)
- Who Has the Cheapest Auto Insurance for a Chevrolet Equinox in Omaha? (FAQ)
- What Car Insurance is Cheapest for Immigrants in Omaha? (FAQ)
- Who Has Affordable Auto Insurance with Multiple Speeding Tickets in Omaha? (FAQ)
- Who Has the Cheapest Car Insurance for a Nissan Rogue in Omaha? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Honda Accord in Omaha? (FAQ)
- Who Has Cheap Auto Insurance for a Dodge Ram in Omaha? (FAQ)
- What Auto Insurance is Cheapest for Ride Shares in Omaha? (FAQ)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)
- Collision Coverage (Liberty Mutual)