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.
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.
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.
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.
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.
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.
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.
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.
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.
To read more, feel free to browse the articles below: