Want the cheapest insurance rates for your Dodge SRT Viper? Tired of scraping the payment together to buy insurance? Your situation is no different than many other consumers.
With consumers having so many options, it is very difficult to pick the most cost effective insurance company.
It’s a good habit to compare rates yearly because rates are variable and change quite frequently. Just because you found the best rate for SRT Viper insurance at your last renewal there may be better deals available now. There is lot of inaccurate information about insurance on the web, but in this article, you’re going to get some of the best techniques to find cheap insurance.
Car insurance companies do not advertise every available discount in an easy-to-find place, so we researched both well-publicized as well as the least known savings tricks you should be using when you buy auto insurance online.
We need to note that most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But all discounts will definitely reduce the amount you have to pay.
A few of the larger companies and some of the premium reductions they offer are outlined below.
Before purchasing a policy, check with each company or agent which credits you are entitled to. Discounts may not be available everywhere. For a list of insurance companies who offer online insurance quotes, click here.
Auto insurance providers like State Farm, Allstate and Geico consistently run television and radio advertisements. All the ads make the same claim that you can save if you move your policy. How is it plausible that every one can give you a lower rate? This is the way they can do it.
Many companies provide the lowest rates for the type of customer that is profitable for them. For example, this type of driver could possibly be a mature driver, owns a home, and has great credit. Someone who meets those qualifications will get a cheap rate quote and most likely will cut their rates if they switch.
Potential customers who don’t measure up to those standards will see more expensive rates and business not being written. If you listen to the ad wording, they say “customers who switch” not “everyone that quotes” save that kind of money. This is how companies can truthfully make those statements.
This really emphasizes why you absolutely need to get as many free auto insurance quotes as possible. Because without a comparison, you cannot know which insurance companies will have the lowest rates for your situation.
When buying the best insurance coverage coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that These are some specific questions can aid in determining whether you may require specific advice.
If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Learning about specific coverages of car insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.
This coverage provides protection from damage or injury you incur to a person or their property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for claims like loss of income, emergency aid and medical services. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a bird, falling objects, damage from a tornado or hurricane and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Dodge SRT Viper.
Since a lot of 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. Usually these limits are set the same as your liablity limits.
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like chiropractic care, funeral costs and dental work. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
This pays for damage to your SRT Viper resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as hitting a parking meter, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.
Lower-priced auto insurance can be bought on the web as well as from independent agents, so get free auto insurance quotes from both of them to get a complete price analysis. Some insurance companies do not provide online quoting and many times these small, regional companies provide coverage only through independent agents.
While you’re price shopping online, do not buy poor coverage just to save money. Too many times, an insured dropped liability coverage limits only to regret at claim time they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford, but do not skimp to save money.
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Christopher Fischer
Cheaper car insurance is a myth. I live just to the south of Norman, OK. Don’t remember every company but I ended up saving about $70 each month. Was with Mercury. Have an at-fault accident tho. I used their online quote form to compare rates.
Katharina Rice
I’m in the south part of Shreveport, LA. Went online for free insurance quotes for a 2014 Dodge SRT Viper. Ended up at about $450 savings annually. Went with State Farm.
Regena Weeks
Anyone find cheap rates around Burlington, Vermont?
Mayme Farrell
Went with 21st Century for my Dodge and saved around $440 a year.
Fred Cole
I’m looking for cheaper coverage. I live just outside Henderson, NV. Don’t remember every company but I ended up saving about $70 each month. Wish I didn’t have to insure at all.
Letisha Chapman
Got pretty cheap 2014 Dodge SRT Viper insurance from 21st Century in West Valley City, UT.
Glendora Burch
Cheap is relative. I live on the south side of Newark, NJ. I got free quotes with 21st Century, GMAC, and Esurance for my Dodge and I’m now saving $31 a month. I have kids on my policy, too.
Weldon Adams
If you have a good history and are close to Columbia, South Carolina, check out Progressive. They seem to be cheaper.
Cora Alexander
Proud to be from Rockford, IL. Got quotes with Travelers, Auto-Owners, Liberty Mutual, and Sentry for my Dodge and I’m now saving $56 a month. Even increased coverage a bit. Bought it from an online quote.
Reva Ayala
If you’re a decent driver and live near Frederick, Maryland, check out GEICO. They seem to be cheaper. Left MetLife to switch.
Raylene Downs
If you have a good history and live around West Valley City, Utah, check out State Farm. You might save some money.
Tashina Booker
Cheaper not always better. I’m just south of Nashua, NH. Got car insurance rates from AAA, Nationwide, and Western Auto Insurance for my SRT Viper and saved around $420 a year. Insured with 21st Century before. Even increased coverage a bit. LOL
Jaye Mcfadden
I can’t pay high rates. From Tucson, AZ. Got car insurance rates from 21st Century, Amica, and Farmers for my SRT Viper and I’m now saving $64 a month.
Calandra Montoya
Enjoyed the article. I live in a small town just outside of Jackson, Mississippi. Got car insurance prices from Sentry, Erie, GEICO, and AAA for my Dodge and I think I cut my rates about $30 each month. A clean driving record helps. Bought it from an online quote.