2013 Dodge SRT Viper Insurance Rates

Locating low-cost insurance for a Dodge SRT Viper could be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to shop for auto insurance so you’re going to learn the quickest way to compare rates for a Dodge and get the best price possible either online or from local insurance agents.

Lesser-known factors impacting Dodge SRT Viper insurance rates

Smart consumers have a good feel for the factors that help determine insurance coverage rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to big savings.

  • Males pay more for insurance – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. They both tend to get into accidents in similar numbers, but men cause more damage. Men also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • Tickets mean higher rates – Your driving citation history impacts your car insurance rates tremendously. Just one moving violation can increase rates forty percent or more. Good drivers receive lower rates than bad drivers. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for insurance coverage? Careers like lawyers, social workers and accountants are shown to have higher rates than average due to high stress and long work days. On the flip side, jobs such as actors, athletes and performers pay the least for SRT Viper insurance.
  • Protect yourself with liability coverage – Your policy’s liability coverage is the protection if ever you are found to be at fault for causing damage or personal injury in an accident. Liability provides for a legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Consolidate policies to earn discounts – The majority of insurers give discounts to people who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.
  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.

Finding Car Insurance

Performing a rate comparison can take hours if you don’t know the most efficient way to do it. You can waste hours talking about coverages with insurance companies in your area, or you can stay home and use online quoting to quickly compare rates.

All the larger companies belong to a marketplace where prospective buyers enter their coverage request one time, and at least one company can provide price quotes for coverage. This saves time by eliminating quotation requests for each company you want a rate for.

To compare pricing click here (opens in new window).

The only downside to doing it this way is you cannot specify which companies to get pricing from. If you prefer to choose specific insurance companies to compare, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using exactly the same coverages and limits for every quote you compare. If your comparisons have different deductibles then you won’t be able to make an equal comparison.

Do you qualify for discounts?

Companies offering auto insurance don’t list every discount very clearly, so we researched some of the more common and the harder-to-find discounts you could be receiving. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for SRT Viper insurance with a few insurance coverage companies.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill if you qualify.
  • Bundle and Save – When you have multiple policies with one company you will save approximately 10% to 15%.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current expiration date. It’s a savings of about 10%.

It’s important to note that some credits don’t apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

A partial list of companies that may have some of the above discounts include:

Check with each insurance company how you can save money. Some discounts may not be available in your state.

Don’t assume everyone needs the same coverage

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help you determine whether or not you might need professional guidance.

  • How can I force my company to pay a claim?
  • How high should deductibles be on a 2013 Dodge SRT Viper?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when pulling a rental trailer?
  • Can my babysitter drive my car?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Insurance coverages 101

Understanding the coverages of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision – This coverage covers damage to your SRT Viper resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, nursing services, rehabilitation expenses, ambulance fees and pain medications. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from getting keyed, hitting a bird, falling objects and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance – This coverage can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like structural damage, pain and suffering and medical services. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge SRT Viper.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Have the Midas touch

Cost effective 2013 Dodge SRT Viper insurance can be sourced on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

We just covered some good ideas how you can lower your insurance rates. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from some of the smallest insurance companies.

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