View 2014 Dodge SRT Viper Insurance Quotes

Looking for better auto insurance rates for your Dodge SRT Viper? Purchasing lower priced auto insurance may at first seem to be overwhelming for people who are beginners to quoting and comparing and buying auto insurance online. With so many options of insurers to choose from, how are people able to have the ability to compare the different rates to find the cheapest available price?

This information will familiarize you with the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you should be able to cut costs considerably using these tips. Although consumers must comprehend how insurance companies sell online and take advantage of how the system works.

Cut your insurance coverage rates with discounts

Some companies don’t list all their discounts very well, so here is a list some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online. If you do not double check each discount you qualify for, you are throwing money away.

  • Theft Prevention System – Cars and trucks with anti-theft systems are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.
  • Discounts for Multiple Vehicles – Insuring all your vehicles on one policy could earn a price break for each car.
  • College Student Discount – Youth drivers who attend college more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Federal Employees – Active or former government employment could cut as much as 10% off on SRT Viper insurance with some insurance coverage companies.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school.
  • Accident Waiver – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before they charge you more for coverage so long as you are claim-free for a specific time period.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts can save 10% or more off PIP or medical payments premium.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20% or more.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.

If you would like to view insurers who offer discounts, click here to view.

Eight things that influence your insurance rates

Many factors are considered when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other factors are not as apparent such as whether you are married or your vehicle rating.

The items below are a few of the “ingredients” that factor into your prices.

  • Getting married equates to better rates – Having a wife or husband may earn you lower rates on insurance. Marriage demonstrates that you tend to be more mature and responsible and statistics prove married drivers tend to have fewer serious accidents.
  • Proper usage rating affects rates – Driving a lot of miles every year the higher your rates will be. A lot of insurance companies calculate rates based on their usage. Cars that do not get driven very much cost less to insure than cars that get driven a lot. Incorrect rating for your SRT Viper can result in significantly higher rates. Ask your agent if your insurance declarations sheet properly reflects the proper vehicle usage, because improper ratings can cost you money.
  • Certain vocations raise premiums – Occupations like fire fighters, architects and accountants generally pay the highest average rates attributed to high stress levels and lots of time spent away from family. On the flip side, professions such as actors, students and the unemployed receive lower rates on SRT Viper insurance.
  • Females tend to be lower risk – Statistics show that females take fewer risks when driving. It does not mean women are better drivers. Both genders are in auto accidents in similar numbers, but the male of the species cause more damage. Not only that, but men also have more aggressive citations like reckless driving and DUI.
  • Liability is important – Liability coverage will protect you if a jury decides you are liable for physical damage or personal injury to other. Your liability coverage provides legal defense coverage which can be incredibly expensive. It is affordable coverage compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Obey driving laws and save – Your driving record impacts your car insurance rates tremendously. Having just one driving citation can boost insurance rates by as much as thirty percent. Good drivers receive lower rates compared to bad drivers. Drivers who have received multiple citations like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • See if your company offers a multi-policy discount – The majority of insurers will give better rates to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s still a good idea to compare rates to guarantee you are still saving the most.
  • Lower coverage deductibles cost more – The deductibles you choose represent how much money you are willing to pay if a covered claim is submitted. Coverage for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Examples of some claims that would be covered could be rearending another vehicle, hail damage, and damage caused by road hazards. The more of the claim the insured is willing to pay, the less your insurance will be on SRT Viper insurance.

You are unique and your car insurance should be too

When buying the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Why am I required to get a high-risk car insurance policy?
  • Should I bundle my homeowners policy with my auto?
  • Do I have coverage if my license is suspended?
  • How can I force my company to pay a claim?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

The coverage is in the details

Understanding the coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto collision coverage

This pays for damage to your SRT Viper 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, hitting a parking meter, colliding with a tree, rolling your car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses for things like rehabilitation expenses, hospital visits and prosthetic devices. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability auto insurance

This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is 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 things like funeral expenses, loss of income, attorney fees, repair costs for stationary objects and court costs. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, theft and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Don’t throw your cash in the trash

In this article, we covered many ideas to shop for 2014 Dodge SRT Viper insurance online. The key thing to remember is the more companies you get prices for, the better your chances of lowering your prices. You may even discover the lowest priced car insurance comes from some of the lesser-known companies.

When shopping online for car insurance, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice physical damage coverage only to discover later that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.

Lower-priced car insurance can be bought online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some car insurance companies do not offer the ability to get a quote online and many times these regional carriers only sell coverage through local independent agencies.

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