Compare 2014 Dodge SRT Viper Car Insurance Quotes

Finding the lowest price for car insurance can be a challenge if you’ve never compared online price comparisons. But relax because finding affordable coverage online is easier than you think.

Save big with these discounts

Car insurance can cost a lot, but companies offer discounts to help offset the cost. Certain discounts will be applied at the time you complete a quote, but a few must be asked about prior to receiving the credit.

  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Distant Student – Youth drivers who live away from home without a vehicle on campus can receive lower rates.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% for SRT Viper insurance with certain companies.

Drivers should understand that some credits don’t apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.

Insurance companies that may offer these money-saving discounts include:

Check with all companies you are considering which discounts you may be entitled to. Savings may not apply in your area.

The best way to compare car insurance company rates is to know the trick car insurance companies participate in a system to provide you with a free rate quote. The one thing you need to do is give the companies some data like distance driven, an estimate of your credit level, whether your vehicle is owned or leased, and how your vehicles are used. The rating information is instantly submitted to multiple insurance coverage providers and they respond with quotes with very little delay.

Why you might be paying too much to insure your Dodge SRT Viper

It’s important that you understand some of the elements that come into play when calculating the price you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to lower car insurance prices.

  • High deductibles save money – Your deductibles define the amount you are willing to pay if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, collision with an animal, or theft. The more expense you have to pay, the bigger discount you will receive for SRT Viper insurance.
  • Never let your coverage lapse – Letting your insurance expire is a sure-fire way to bump up your car insurance costs. Not only will rates go up, but not being able to provide proof of insurance might get you a revoked license or a big fine.
  • Teen drivers pay high rates – Youthful drivers are statistically proven to get distracted easily in a vehicle so car insurance rates are higher. Mature drivers are more responsible, tend to file fewer claims and get fewer tickets.
  • Multi-policy discounts can save money – Some companies give discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other company rates to make sure you are getting the best deal. Drivers may still find a better deal by buying car insurance from a different company.
  • Keep rates low by being claim-free – If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Car insurance companies generally give lower rates to policyholders who do not rely on their insurance for small claims. Car insurance is intended for larger claims.
  • Your location affects your rates – Choosing to live in a rural area is a positive aspect when it comes to car insurance. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Less people living in that area means reduced accidents.

But I don’t know anything about car insurance

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions could help you determine whether you might need an agent’s assistance.

  • Which companies will insure high-risk drivers?
  • Am I covered when driving in Canada or Mexico?
  • When would I need rental car insurance?
  • Is my trailer covered?
  • Do I need medical payments coverage since I have good health insurance?
  • How can I find cheaper teen driver insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

The coverage is in the details

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive auto insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, a tree branch falling on your vehicle and vandalism. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for expenses for doctor visits, ambulance fees, hospital visits and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This coverage will pay to fix damage to your SRT Viper resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, crashing into a building, damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability coverages – This coverage will cover damage or injury you incur to people or other property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, repair costs for stationary objects, structural damage and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Dodge SRT Viper.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Cheaper insurance is a realistic goal

Affordable 2014 Dodge SRT Viper insurance is definitely available on the web and with local insurance agents, so compare prices from both to have the best selection. Some insurance companies do not offer online quoting and these small insurance companies work with independent agents.

Throughout this article, we presented a lot of tips how to get a better price on insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. You may even find the best price on insurance is with a smaller regional carrier.

Drivers change insurance companies for any number of reasons including lack of trust in their agent, an unsatisfactory settlement offer, high rates after DUI convictions and even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

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