Trying to find better insurance coverage rates for your Dodge SRT Viper? Overpriced Dodge SRT Viper insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparison shopping is a great way to cut your insurance bill. There is such a variety of insurance companies to purchase coverage from, and although it’s a good thing to have a choice, it makes it harder to find a good deal.
It’s important to check insurance coverage prices every six months because insurance rates change frequently. Even if you think you had the best price for SRT Viper insurance a couple years back the chances are good that you can find a lower rate today. Starting now, ignore everything you know about insurance coverage because I’m going to teach you one of the quickest ways to find better rates and still maintain coverage.
Buying car insurance is not rocket science. If you are insured now or need new coverage, you can follow these tips to reduce the price you pay while maximizing coverage. Consumers only need to know the most efficient way to shop for insurance online.
Getting a cheaper price on 2013 Dodge SRT Viper insurance is not a difficult process. You just need to take a couple of minutes getting comparison quotes provided by online insurance companies. This can be done using a couple different methods.
The fastest way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating repetitive form entry for every car insurance company. Filling out one form will get you price quotes from all major companies.
A more difficult way to get quotes online requires visiting the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s assume you want rates from State Farm, Safeco and GMAC. To find out each rate you need to spend time on each company’s site and enter your information, which is why most consumers use the first method.
For a list of links to companies insuring cars in your area, click here.
It’s your choice how you get your quotes, but ensure you are comparing exactly the same coverage limits and deductibles for every company. If the quotes have different deductibles you can’t possibly make an equal comparison.
Consumers get pounded daily by advertisements for cheaper car insurance from the likes of Allstate and Progressive. All the ads make the same claim about savings if you switch your coverage to them.
But how can every company make the same claim?
Insurance companies can use profiling for the type of customer they prefer to insure. For example, a desirable insured might be profiled as over the age of 40, a clean driving record, and chooses high deductibles. A driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.
Potential insureds who fall outside this ideal profile will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save that much money. That’s why insurance companies can confidently claim big savings. Because of the profiling, drivers must get as many comparisons as possible. You cannot predict which auto insurance company will fit your personal profile best.
Companies offering auto insurance don’t necessarily list every discount in a way that’s easy to find, so we break down both well-publicized and the harder-to-find ways to save on car insurance. If you aren’t receiving every discount you deserve, you’re paying more than you need to.
It’s important to understand that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.
For a list of companies with the best car insurance discounts, click here.
When choosing adequate coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique so your insurance should reflect that For example, these questions may help you determine whether your personal situation would benefit from professional advice.
If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.
Having a good grasp of car insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverage types found on the average car insurance policy.
Comprehensive (Other than Collision)
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things like hitting a deer, vandalism and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Auto liability insurance
This coverage can cover damage that occurs to people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.
Liability coverage pays for things like repair bills for other people’s vehicles, loss of income and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge SRT Viper.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as EMT expenses, rehabilitation expenses and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible
This coverage pays for damage to your SRT Viper from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision can pay for claims such as rolling your car, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.
We’ve covered a lot of ways to compare 2013 Dodge SRT Viper insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.
When buying insurance coverage, do not reduce coverage to reduce premium. In many instances, drivers have reduced comprehensive coverage or liability limits and learned later that it was a big error on their part. Your strategy should be to buy enough coverage at an affordable rate while not skimping on critical coverages.
The cheapest insurance is possible on the web and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and these smaller companies work with independent agents.
Additional detailed information can be found at these sites: