Save on 2014 Dodge SRT Viper Car Insurance Quotes

Searching for better car insurance rates for your Dodge SRT Viper? Being forced to pay for expensive car insurance premiums can overdraw your checking account and maybe even restrict other spending.

Due to the large number of insurance companies to choose from, it can be hard to find the right company.

Why smart consumers pay less for Dodge SRT Viper insurance

Smart consumers have a good feel for the rating factors that play a part in calculating your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that can help you get cheaper rates. Multiple criteria are taken into consideration when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but others are less apparent such as your credit history or how financially stable you are.

The items below are some of the factors insurance coverage companies consider when setting your rate level.

  • Responsible credit equals lower rates – Having a good credit score is a big factor in calculating your premium rate. Insureds with very high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit ratings. If your credit leaves room for improvement, you may save money insuring your 2014 Dodge SRT Viper if you clean up your credit.
  • Where you reside – Living in less populated areas may provide you with better prices when buying insurance coverage. People in densly populated areas regularly have much more traffic and longer commute times. Fewer people means a lower chance of having an accident and lower theft and vandalism rates.
  • Safer vehicles save money – Vehicles with good safety scores tend to have lower insurance rates. These vehicles help reduce the chance of injuries in an accident and any reduction in injury severity translates into fewer and smaller insurance claims which can mean better rates for you. If your Dodge has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Raising deductibles saves money – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your Dodge. Examples of covered claims are a windshield shattered by a rock, hail damage, and having your car stolen. Comp and collision deductibles represent how much money the insured will be required to pay if you file a covered claim. The more you pay before a claim is paid (deductible), the better rate you will receive for SRT Viper insurance.

The cheapest auto insurance

When shopping for auto insurance there are multiple ways to compare prices from local auto insurance companies. The easiest way to compare 2014 Dodge SRT Viper insurance prices is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

Hands down the most simple method to compare a lot of rates at once is a comparison rater form click here to open form in new window. This form saves time by eliminating separate quotation requests for each company. Completing one form gets insurance cost estimates from many national carriers.

Another way to compare prices requires a trip to each company website and fill out a new quote form. For sake of this example, let’s assume you are doing a rate comparison from USAA, Safeco and Allstate. To get rate quotes you would need to visit each site to input your insurance information, which can be really labor intensive.

To view a list of companies in your area, click here.

The least efficient and most time consuming way of comparing rate quotes is physically going to different agent offices. Comparing online rate quotes eliminates the need for an insurance agent unless you require the advice and guidance that you can only get from talking to an agent. Some companies do allow you to get the lowest quotes online and get advice from an agent in your area.

It’s your choice how you get your quotes, but do your best to enter equivalent quote data on every quote you get. If you use different liability limits you will not be able to make an equal comparison. Just a small difference in insurance coverages or limits could throw off the whole comparison. And when comparison shopping, having more price comparisons will enable you to find a lower rate.

Big brands don’t always mean big savings

Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. All the ads make an identical promise that you can save after switching your car insurance coverage to their company. How does each company make the same claim? This is the way they can do it.

All companies can use profiling for the type of customer that earns them the highest profit. An example of a preferred risk should be between the ages of 30 and 50, owns a home, and insures a new vehicle. A driver who matches that profile will probably get the lowest rates and will most likely save when they switch companies.

Drivers who are not a match for this stringent profile will get higher premium rates with the end result being the customer not buying. The trick companies use is to say “drivers that switch” not “all people who quote” save that much when switching. That’s why insurance companies can claim big savings. Each company has different criteria, so drivers should get price quotes at each policy renewal. It’s just not possible to know which insurance companies will have the best premium rates for your profile.

Discounts for cheap auto insurance rates

Some insurance providers don’t always list all disounts in an easy-to-find place, so the below list has some of the more common as well as the least known discounts that you may qualify for. If you’re not getting every credit you qualify for, you are throwing money away.

  • Passenger Safety Discount – Factory options such as air bags or automatic seat belts may get savings up to 30%.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Renewal Discounts – A few companies give discounts for switching policies prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
  • Defensive Driving Course – Participating in a defensive driver class could earn you a small percentage discount and also improve your driving technique.

Keep in mind that many deductions do not apply the the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

A few of the larger companies and a summarized list of policyholder discounts are included below.

  • GEICO has savings for good student, anti-theft, driver training, daytime running lights, multi-policy, and five-year accident-free.
  • MetLife has discounts for defensive driver, accident-free, good student, claim-free, and multi-policy.
  • State Farm offers discounts for good driver, driver’s education, defensive driving training, good student, and multiple policy.
  • Progressive policyholders can earn discounts including good student, multi-policy, continuous coverage, online signing, online quote discount, and multi-vehicle.
  • Mercury Insurance offers premium reductions for age of vehicle, accident-free, location of vehicle, low natural disaster claims, and ease of repair.
  • 21st Century may include discounts for teen driver, good student, driver training, automatic seat belts, student driver, and homeowners.
  • Allstate includes discounts for anti-lock brakes, resident student, defensive driver, premier discount, 55 and retired, EZ pay plan discount, and new car.

Double check with each company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your state. If you would like to choose from a list of auto insurance companies who offer online auto insurance quotes, click this link.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Do I need replacement cost coverage?
  • Is my nanny covered when driving my vehicle?
  • Should I carry comprehensive and collision coverage?
  • How much liability insurance is required?
  • Can I make deliveries for my home business?
  • How many claims can I have before being cancelled?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverages explained

Knowing the specifics of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Collision coverage – This coverage will pay to fix damage to your SRT Viper resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, hitting a deer, a tree branch falling on your vehicle and hail damage. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Dodge SRT Viper.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability – Liability insurance can cover damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like emergency aid, attorney fees, funeral expenses, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for bills such as dental work, chiropractic care, nursing services and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Don’t break the bank

Cheaper 2014 Dodge SRT Viper insurance can be purchased online and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not offer internet price quotes and many times these smaller companies only sell coverage through local independent agents.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There are too many instances where someone dropped uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.

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