Dodge SRT-4 Drivers Find the Best Car Insurance Rates

Searching for the cheapest insurance for a new or used Dodge SRT-4 could be an all-consuming task, but you can learn our car insurance buying tips and make it easy. There are more efficient ways to compare car insurance rates so we’re going to tell you the proper way to price shop coverage for your Dodge and locate the lowest possible price from both online companies and local agents.

Consumers should take time to shop coverage around yearly because prices are variable and change quite frequently. Despite the fact that you may have had the best price for SRT-4 coverage two years ago you can probably find a lower rate today. There is a lot of wrong information about car insurance online, so we’re going to give you a bunch of ideas how to slash your car insurance rates.

Save big with these discounts

Companies offering auto insurance don’t necessarily list every discount very clearly, so we break down both the well known as well as the least known discounts you could be receiving.

Distant Student – Kids in college living away from home attending college and do not have a car can be insured at a reduced rate.
Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in school.
Early Signing – Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for SRT-4 coverage than less cautious drivers.
Homeowners Savings – Owning a house can save you money because owning a home demonstrates responsibility.

It’s important to note that some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way.

Dodge SRT-4 insurance rates have many determining factors

Consumers need to have an understanding of the rating factors that help determine your car insurance rates. Having a good understanding of what determines base rates enables informed choices that can help you get better car insurance rates.

How your age affects price – Mature drivers are more responsible, file fewer claims and are safer drivers. Teenage drivers are statistically proven to get distracted easily in a vehicle and because of this, their car insurance rates are much higher.
Don’t get talked into coverage you don’t need – There are many extra coverages that can waste your money when buying car insurance. Coverages like personal injury protection, accident forgiveness and additional equipment coverage may be wasting your money. These coverages may sound good at first, but now you might not need them so get rid of them and save.
Rural vs Urban Areas – Choosing to live in a small town can save you money when it comes to car insurance. Drivers who live in large cities tend to have traffic congestion and much longer commute distances. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
Performance influences rates – The performance of the vehicle you own makes a huge difference in your rates. The lowest rates are usually for lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors. Since the Dodge SRT-4 is considered a sports car, insuring your vehicle will cost much more as compared to the average rate.
A lapse in coverage is a bad thing – Driving without insurance is against the law and car insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, but not being able to provide proof of insurance may earn you a revoked license or a big fine.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Don’t assume everyone needs the same coverage

When it comes to buying the best car insurance coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether your personal situation would benefit from professional advice.

Do I need motorclub coverage?
Are rental cars covered under my policy?
What is the difference between comprehensive and collision coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Does my insurance cover my expensive audio equipment?
Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Online quotes with a local insurance agent

Certain consumers prefer to sit down with an agent and that is just fine! One of the great benefits of comparing rates online is that you can obtain the best rates but also keep your business local.

Upon completion of this form (opens in new window), your insurance coverage information gets sent to insurance agents who will battle for your coverage. You don’t have to visit any agencies due to the fact that quote results will go to your email. It doesn’t get any easier! You’ll get the best rates and an insurance agent to talk to.

Choosing an insurance company requires more thought than just a low price. These questions are important to ask:

How often do they review policy coverages?
How much can you save by raising your physical damage deductibles?
Are claim adjusters local or do you have to take your car somewhere else?
Is the agency involved in supporting local community causes?
How many years of experience in personal lines insurance coverages do they have?
If you are a high risk driver, do they have special markets for your coverage?
Do the companies they represent have a solid financial rating?

Two types of insurance agencies

If you’re trying to find a reputable insurance agent or broker, there are two types of agencies from which to choose. Insurance agencies can either be independent or captive.

Captive Insurance Agents

Captive insurance agents write business for a single company and some examples include American Family, Liberty Mutual and AAA. They usually cannot place coverage with different providers so they have no alternatives for high prices. They are trained well in insurance sales which can be an advantage. Consumers sometimes buy from captive agents mostly because of the brand legacy and strong financial ratings.

Independent Agents

Independent insurance agents do not work for one specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part. When shopping rates, you should always include at a minimum one independent agency to get the best comparison. They also have the ability to place coverage with lesser-known insurance companies who may have lower rates.

To view a complete directory of agents, click here.

After getting reasonable responses to your questions in addition to an acceptable price estimate, most likely you have located an auto insurance agent that can adequately provide car insurance.

What is YOUR best insurance company?

We just showed you some good ideas how to get a better price on Dodge SRT-4 insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest rates come from some of the smallest insurance companies.

Affordable Dodge SRT-4 insurance is definitely available both online as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, high prices, delays in paying claims or even policy non-renewal. No matter why you want to switch, switching car insurance companies is pretty easy and you might even save some money in the process.