Cheap 2013 Dodge SRT Viper Car Insurance Quotes

Searching for cheaper insurance for a Dodge SRT Viper can normally be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to find car insurance online so we’re going to tell you the quickest way to quote coverages on a Dodge and obtain the cheapest rates either online or from local insurance agents.

If you are insured now or need a new policy, you can learn to cut your premiums and possibly find even better coverage. Buying the cheapest protection is not that difficult. Consumers just need to learn the best way to compare prices online.

Pay discount rates these discounts

Car insurance is not inexpensive, but there may be some discounts to help bring down the price. Certain reductions will be credited when you purchase, but a few must be requested specifically before being credited. If you aren’t receiving every discount you qualify for, you are just wasting money.

  • Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a discount if you purchase life insurance from them.
  • Multi-Vehicle Discounts – Drivers who insure all your vehicles on one policy can get a discount on all vehicles.
  • No Accidents – Insureds who avoid accidents and claims have much lower rates in comparison to policyholders that have many claims.
  • Low Mileage Discounts – Low mileage vehicles could earn discounted car insurancerates on garaged vehicles.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for SRT Viper coverage than drivers with accident claims.
  • Telematics Discount – People who choose to allow companies to look at where and when they drive by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.
  • Paperless Signup – A handful of larger companies may give you up to $50 just for signing your application on the web.
  • Distant Student – Youth drivers who live away from home at college and do not have a car could get you a discount.
  • Switch and Save Discount – A few insurance companies offer discounts for renewing your policy early. Ten percent is about the average savings.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will lower the cost of coverage.

Companies and some of the premium reductions they offer are included below.

  • GEICO has discounts for air bags, defensive driver, multi-policy, seat belt use, and driver training.
  • SAFECO policyholders can earn discounts including multi-car, teen safe driver, accident prevention training, anti-lock brakes, and anti-theft.
  • State Farm offers discounts including driver’s education, good student, Steer Clear safe driver discount, defensive driving training, anti-theft, and passive restraint.
  • MetLife may have discounts that include defensive driver, claim-free, good student, multi-policy, good driver, and accident-free.
  • 21st Century has savings for student driver, anti-lock brakes, early bird, homeowners, 55 and older, and defensive driver.
  • Progressive offers premium reductions for good student, multi-policy, online signing, continuous coverage, homeowner, and online quote discount.

It’s a good idea to ask each company or agent which discounts can lower your rates. A few discounts might not be offered on policies in your area.

The Dodge SRT Viper insurance price equation

Lots of factors are taken into consideration when you get a price on insurance. A few of the factors are predictable such as traffic violations, although others are more transparent like your continuous coverage and annual miles driven.When buying car insurance it’s important to understand a few of the rating criteria that play a part in calculating your premiums. When consumers understand what impacts premium levels, this enables informed choices that may result in cheaper rates.

The following are just a few of the factors used by your company to calculate prices.

  • Safety first – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and reduced instances of injuries means lower claim amounts and thus lower rates.
  • Car insurance rates and age – More mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents and tend to be get fewer driving tickets.Teenage drivers are statistically shown to be inattentive in a vehicle so they pay higher car insurance rates.
  • Consolidate policies with the same company – Many car insurance companies afford a discount to customers who carry more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, you still need to compare other company rates to help ensure you have the lowest rates. Consumers may save even more than the discount even if you have your coverage with different companies
  • Get better costs after the wedding – Having a spouse can actually save you money when buying car insurance. It is viewed as being more stable financially and insurance companies like that married drivers tend to have fewer serious accidents.
  • Don’t let your car insurance lapse – Allowing your coverage to lapse will be a guaranteed way to trigger a rate increase. Not only will rates go up, not being able to provide proof of insurance will get you a steep fine or even jail time. You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • More people means more accidents – Choosing to live in less populated areas can be a good thing when trying to find low car insurance rates. Fewer drivers and short commutes means reduced accidents and a lower car theft rate. City drivers have to deal with more auto accidents and more severe claims. Higher commute times means higher likelihood of an accident.

Special considerations

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions might help in determining if you would benefit from an agent’s advice.

  • Should I get collision insurance on every vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Where can I find high-risk insurance?
  • Should I have a commercial auto policy?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I break a side mirror?
  • What is PIP insurance?
  • Should I buy additional glass protection?
  • Is motorclub coverage worth it?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability coverage

This coverage protects you from damage that occurs to other people or property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like medical expenses, court costs and medical services. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, sideswiping another vehicle, rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hitting a bird and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as funeral costs, EMT expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge SRT Viper.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Keep this in mind

People who switch companies do it for many reasons like high rates after DUI convictions, poor customer service, extreme rates for teen drivers or not issuing a premium refund. No matter why you want to switch, finding a new auto insurance company can be easy and end up saving you some money.

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured cut liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Cost effective 2013 Dodge SRT Viper insurance is definitely available both online and from local insurance agents, and you need to price shop both to have the best rate selection. A few companies may not offer online price quotes and these small insurance companies provide coverage only through independent insurance agencies.

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