2013 Dodge SRT Viper Car Insurance Cost

Trying to find better insurance rates for your Dodge SRT Viper? Expensive Dodge SRT Viper insurance can stress out your funds and force you to make tough financial choices. Performing a price comparison can be a smart way to tighten up your finances.

You have multiple insurance companies to insure vehicles with, and even though it’s nice to have a selection, so many choices can make it hard to compare rates and cut insurance costs.

It is always a good idea to shop coverage around before your policy renews because insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest premium rates on SRT Viper insurance on your last policy there may be better deals available now. Forget anything you know (or think you know) about insurance because we’re going to show you the right way to properly buy coverages and cut your premium.

How to compare free car insurance quotes

When comparison shopping, there are several ways to compare rate quotes from many different insurance companies. The easiest way to find the lowest Dodge SRT Viper rates consists of obtaining rate quotes online. It is quite easy and can be accomplished using a couple different methods.

  • If you are pressed for time, the simplest way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This quick form eliminates the need for boring form submissions for each company you want a rate for. A single, simple form gets coverage cost estimates from multiple companies.
  • A more time consuming way to find better pricing requires a trip to each company website and repeat the quote process. For instance, we’ll pretend you want comparison quotes from State Farm, Esurance and Geico. To do that, you would have to go to each individual site to enter the same coverage data repeatedly, which is why first method is reommended. To view a list of companies in your area, click here.

How you compare quotes is your choice, just compare the exact same coverage information with each company. If your comparisons have unequal deductibles or liability limits you will not be able to make an equal comparison. Even a minor difference in coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that comparing more rates from different companies gives you a better chance of getting the best rates.

Verify you’re earning every discount

Some insurers do not list all available discounts very clearly, so the next list breaks down some of the best known in addition to some of the lesser obvious discounts that you may qualify for. If you are not receiving all the discounts you deserve, you are just wasting money.

  • Discounts for Responsible Drivers – Drivers who avoid accidents may receive a discount up to 45% on SRT Viper insurance compared to accident prone drivers.
  • Defensive Driver – Successfully completing a course in defensive driving could earn you a small percentage discount depending on where you live.
  • Save with More Vehicles Insured – Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.
  • Telematics Data Discounts – People who choose to allow data collection to track when and where they use their vehicle by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they are good drivers.
  • Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you may reduce your total bill.
  • Air Bag Discount – Options like air bags can receive discounts up to 30%.
  • Good Student Discount – A discount for being a good student may save as much as 25% on a insurance quote. The good student discount can last up to age 25.
  • Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
  • Senior Citizens – Seniors may be able to get a small decrease in premiums on SRT Viper insurance.

You should keep in mind that many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will help lower the cost of your policy.

To see a list of companies with discount rates, click this link.

When should I discuss my situation with an agent?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation will benefit from professional help.

  • Do I need medical payments coverage since I have good health insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Why am I required to buy high-risk coverage?
  • How can I get my company to pay me more for my totalled car?
  • What if I owe more than I can insure my car for?
  • What companies insure drivers after a DUI or DWI?
  • Is a blown tire covered by insurance?
  • When should I remove comp and collision on my 2013 Dodge SRT Viper?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

What insurance coverages do you need?

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, damage from a tornado or hurricane, hitting a bird and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses like prosthetic devices, rehabilitation expenses, doctor visits and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Dodge SRT Viper.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Collision insurance

This coverage pays for damage to your SRT Viper from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability coverages

This coverage will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per 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 and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical expenses, pain and suffering, medical services, emergency aid and structural damage. How much coverage you buy is your choice, but consider buying higher limits if possible.

Save for a rainy day

We’ve covered a lot of information how to save on 2013 Dodge SRT Viper insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

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