Lower Your 2013 Dodge SRT Viper Insurance Quotes

If you are new to getting insurance quotes online, chances are good that you are overwhelmed by the confusing number of companies all advertising big savings.

Shopping for more affordable protection is simple if you know the tricks. Just about every vehicle owner who buys auto insurance will more than likely be able to cut their insurance bill. But drivers do need to understand how the larger insurance companies sell online and take advantage of how the system works.

Discount auto insurance rates

Car insurance companies do not list the entire discount list very well, so the list below contains a few of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online.

• Good Students Pay Less – Performing well in school may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Military Rewards – Being on active deployment in the military could qualify you for better auto insurance rates.
• Homeowners Discount – Owning your own home or condo may earn you a small savings since owning and maintaining a home is proof that your finances are in order.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it can save substantially.
• Discounts for Cautious Drivers – Accident-free drivers can get discounts for up to 45% lower rates on SRT Viper insurance than less cautious drivers.
• Seat Belts Save – Requiring all passengers to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Distant College Student Discount – Youth drivers who are attending college and do not take a car to college could qualify for this discount.
• Sign Early and Save – Select larger companies give a discount for switching companies before your current policy expires. You can save around 10% with this discount.

One thing to note about discounts is that some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, nobody gets a free ride.

If you would like to see a list of companies that offer multiple discounts, click this link.

How to compare car insurance quotes

When looking for the cheapest insurance quotes, there are a couple ways to obtain and compare prices from different companies. By far the easiest way to find cheaper Dodge SRT Viper rates consists of shopping online. This is quite simple and can be completed by using one of the methods below.

1. The first (and easiest) way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form eliminates the need for a different quote for every prospective company. One form submission will get you rate comparisons instantly. It’s the fastest way to compare.
2. A more difficult way to find better pricing requires a trip to the website for every company you want to comare and go through the quote process again. For instance, we’ll assume you want to compare prices for Farmers, 21st Century and Liberty Mutual. To get each rate you have to take the time to go to each site and punch in your information repeatedly, which is why the first method is quicker. For a list of companies in your area, click here.
3. The old school method to get rate quotes is driving to local insurance agencies. Doing it all online eliminates the need for an insurance agent unless you have a complicated situation and need the professional guidance of a local agency. It is possible to compare the best prices online and still use a local agent.

It’s up to you how you get prices quotes, just make absolute certain that you use identical information for every company. If you are comparing different data it’s not possible to determine the best price for your Dodge SRT Viper. Even a minor difference in limits could throw off the whole comparison. Just keep in mind that obtaining a wide range of quotes increases the change that you will find better pricing. Not every company allows you to get online price quotes, so it’s important to compare price quotes from them as well.

Buy Dodge SRT Viper insurance at a discount

Many factors are taken into consideration when you get a price on insurance. Some are obvious such as traffic violations, but others are not quite as obvious such as your credit history or your vehicle rating.A large part of saving on car insurance is knowing the factors that help determine your premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that can help you get better car insurance rates.

• Having a spouse pays dividends – Walking down the aisle may save some money on your car insurance bill. Having a significant other is viewed as being more mature and it’s statistically proven that drivers who are married are more cautious.
• Costs can change based on your address – Living in a small town can be a good thing if you are looking for the lowest rates. Drivers in populated areas tend to have much more traffic and longer commutes to work. Lower population corresponds to lower accident rates as well as less vandalism and auto theft.
• Gender and insurance coverage – Over time, data shows women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Both sexes get in fender benders at a similar rate, but guys tend to have more serious accidents. Not only that, but men also have more aggressive citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident and are penalized with high car insurance rates.
• Drive fewer miles and save – Driving more miles every year the higher your rates will be. Almost all companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles that are left in the garage qualify for better rates than those used for commuting. An improperly rated SRT Viper is just wasting money. It’s a smart idea to ensure your declarations sheet properly reflects the correct usage, because it can save money.
• Poor credit can mean higher premiums – Your credit score will be a significant factor in calculating your car insurance rates. Insureds that have excellent credit tend to file fewer claims and have better driving records than drivers who have poor credit. If your credit is not that good, you could pay less to insure your 2013 Dodge SRT Viper by improving your credit score.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

• How can I get high-risk coverage after a DUI?
• What are the best liability limits?
• Is my cargo covered for damage or theft?
• What is the rate difference between pleasure use and commuting?
• Exactly who is provided coverage by my policy?
• What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Coverages available on your policy

Having a good grasp of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Dodge SRT Viper.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. 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. Another option is to bump up the deductible to bring the cost down.

Liability car insurance

This protects you from damage that occurs to people or other property. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like structural damage, pain and suffering and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like pain medications, EMT expenses, dental work, X-ray expenses and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. 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 but can be used in place of medical payments coverage

Comprehensive coverage (or 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 can pay for claims such as hitting a bird, damage from flooding, rock chips in glass and a broken windshield. The maximum amount you can receive from a comprehensive 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.

One last thing about your coverage

Insureds change insurance companies for a number of reasons such as lack of trust in their agent, being labeled a high risk driver, high prices or even unfair underwriting practices. Regardless of your reason, finding a new company can be easy and end up saving you some money.

Budget-friendly insurance is possible from both online companies as well as from insurance agents, so get free insurance quotes from both of them to have the best selection. Some insurance companies do not offer price quotes online and many times these smaller providers only sell through independent insurance agents.

As you quote insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, someone dropped full coverage and discovered at claim time that the savings was not a smart move. Your focus should be to find the BEST coverage for the lowest cost while not skimping on critical coverages.

For more information, take a look at the articles below:

• Choosing a Car for Your Teen (State Farm)
• Side Impact Crash Tests (iihs.org)
• Collision Insurance Coverage (Nationwide)
• Get the Right Protection (InsureUonline.org)
• Auto Insurance FAQ (Farmers Insurance)
• Smart Auto Insurance Tips (Insurance Information Insitute)