Compare 2014 Dodge SRT Viper Insurance Rates

Finding the cheapest insurance coverage on the web can be problematic for people who are new to comparison shopping online. Because there are so many companies competing online, how can consumers even start to compare the different rates to find the best pricing?

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. Pricing the best insurance is not that difficult. But vehicle owners must understand the way insurance companies sell insurance online and take advantage of how the system works.

Dodge SRT Viper insurance rates consist of many parts

Smart consumers have a good feel for the different types of things that come into play when calculating car insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with lower car insurance prices.

Safer cars cost less to insure – Cars with high safety ratings are cheaper to insure. The safest vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your Dodge SRT Viper is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
Your credit rating is important – Your credit rating is a big factor in determining what you pay for car insurance. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit ratings. Therefore, if your credit rating can use some improvement, you could be paying less to insure your 2014 Dodge SRT Viper by improving your rating.
Pay less after the wedding – Having a wife or husband can get you a discount on your car insurance policy. Marriage means you’re more mature and responsible and statistics show being married results in fewer claims.
Liability coverage is cheap – Liability insurance is the protection in the event that you are found to be at fault for damages from an accident. It provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so do not cut corners here.
Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Occupations such as judges, executives and stock brokers are shown to have the highest rates because of stressful work requirements and lots of time spent at work. On the other hand, occupations such as pilots, students and homemakers pay the least on SRT Viper insurance.
Your age impacts your rates – Young drivers are known to get distracted easily when behind the wheel so they pay higher car insurance rates. Older insureds are more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
Your location affects your rates – Residing in a small town has it’s advantages when insuring your vehicles. Drivers who live in large cities have congested traffic and longer commutes to work. Lower population means fewer accidents and also fewer theft and vandalism claims.
Battle of the sexes – Statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men are in accidents in similar numbers, but the males have costlier accidents. They also have more aggressive citations like reckless driving and DUI. Young males are several times more likely to be in an accident and are penalized with high car insurance rates.

Low Cost Insurance

There are several ways to compare quotes from insurance companies in your area. The simplest method to find the cheapest 2014 Dodge SRT Viper insurance rates involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

Probably the best way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do separate quotation requests for each company. One quote request will get you rate comparisons direct from many companies. It’s the fastest way to compare.
A more time consuming way to compare rate quotes is spending the time to visit the website for each individual company and request a quote. For sake of this example, let’s say you want comparison quotes from Nationwide, 21st Century and State Farm. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
The least efficient method to get comparison rates is driving to different agent offices. The ability to buy insurance online makes this process obsolete unless you require the trained guidance of a local agent. It is possible to comparison shop your insurance online but buy from a local insurance agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but be sure to compare identical coverage limits and deductibles for every company. If you use mixed coverages then you won’t be able to find the best deal for your Dodge SRT Viper. Slightly different limits can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes will increase your chances of finding a lower rate.

Auto insurance ads bend the truth

State Farm and Allstate consistently run ads on television and other media. All the companies say the same thing that you’ll save big if you change to them. How does each company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the right customer that makes them money. For instance, a preferred risk could possibly be a mature driver, has no driving citations, and chooses high deductibles. Any new insured who meets those qualifications will get the preferred rates and most likely will save quite a bit of money when switching.

Potential insureds who do not match these standards will have to pay higher rates and ends up with business not being written. The ad wording is “drivers who switch” not “people who quote” save that much. That’s why companies can claim big savings.

Because of the profiling, drivers must get quotes from several different companies. It is impossible to predict which insurance companies will provide you with the cheapest Dodge SRT Viper insurance rates.

Cut your insurance rates with discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but lesser-known reductions have to be asked for before they will apply.

Club Memberships – Being a member of a professional or civic organization may earn a discount when buying insurance on SRT Viper insurance.
Safe Drivers – Insureds without accidents may save up to 50% more on SRT Viper insurance than their less cautious counterparts.
Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on SRT Viper insurance depending on your company.
Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up to age 25.
Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.
Resident Student – Kids in college who live away from home and don’t have a car may be able to be covered for less.

Consumers should know that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free insurance policy, it just doesn’t work that way. But all discounts will cut your overall premium however.

Car insurance companies who might offer these money-saving discounts are:

Before buying, ask all companies you are considering how you can save money. Some discounts might not be offered in every state.

You are unique and your auto insurance should be too

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

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

Does liability extend to a camper or trailer?
Is my cargo covered for damage or theft?
At what point should I drop full coverage?
Can I get a multi-policy discount?
Are rock chip repairs covered?
Is my 2014 Dodge SRT Viper covered for flood damage?
Which companies will insure high-risk drivers?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Insurance policy specifics

Understanding the coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Liability insurance

This provides protection from damage that occurs to a person or their property. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like loss of income, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This covers damage to your SRT Viper caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive coverage

This coverage covers 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 insurance covers things like damage from flooding, vandalism and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for funeral costs, hospital visits, EMT expenses, surgery and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Feed the piggy bank

When shopping online for insurance, make sure you don’t skimp on coverage in order to save money. There are many occasions where consumers will sacrifice full coverage only to regret they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Budget-conscious 2014 Dodge SRT Viper insurance can be found both online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Drivers leave their current company for a variety of reasons including not issuing a premium refund, policy non-renewal, poor customer service and even policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.