Hello, First off this is my First Post,

I'm currently deployed to Afghanistan, and I'm making a Wish List,
One item on my Wish list, obviously, since I'm registered on this forum, Is a CrossFire SRT-6.

Right now, i have a Neon SRT-4 in storage, and with 0miles listed i pay 105$ a month for insurance through USAA.

I put in for a quote on a SRT-6 at 6,000 miles a year, to replace the SRT-4, and it cost 96$ a month! 9 dollars cheaper a month on a car that's being Driven.

Now if that didn't surprise me, and give me further motivation to pursue a purchase on my dream car then i don't know what would.

Is there any particular reason that the SRT-6 cost less to insure than a SRT-4.... neon?

Also, through my searches I've seen plenty of low mileage SRT-6's being sold right around 16-18k, which is right around my price range for a "new" car when I get back.
I plan on buying the vehicle straight up, cash in hand, does the normally account as a good bargaining tool?

Any random fact, hello's, or comments are appreciated.

Thanks, and hello.

BTW, I'm not interested in a normal coupe or roadster, sorry for those guys, but I'd rather just sit on the neon than drive anything but SRT.

-Daniel

 

First of all it is chrysler SRT6 not dodge. As for the insurance i can't really common on that since i'm in Canada. But i am paying 190 a month just to let you know as a referance.
The SRT6 is so much better than the SRT4, it is german built after all.

 

Welcome to the forum!

Before anyone jumps you, let me just mention that the Crossfire is a Chrysler not a Dodge.

The insurance difference is probably due to the average age of the owners of the vehicles. The Neon SRT-4 is typically owned by young single men, who are the highest risk category in insurance. SRT-6 owners are typically a few years older. In fact, I'd say the average age is more like 40 rather than 20. But with the price dropping, the age is dropping too.

Cash-in-hand can be a good bargaining tool when dealing with a private owner, but it isn't much of one with a dealership. The dealership is looking forward to getting a kick-back on the loan that you'll need to buy the car. So you may not want to bring it up with a dealer until you've settled on price.

Another tip is to always run a Car Fax on the car before you buy. Don't bother with the one the dealership hands you. Run it yourself. It's only $20 and it will give you an idea of how many owners it has had and if the car has a bad history. That's $20 well spent when you're considering a 18 thousand dollar purchase.

Lastly, play hard to get when you go shopping. If you walk in there with a stiffy for the SRT-6, the salesman will smell it and run the price up because he knows you want it. Walk away and wait for him to call you a couple days later with a better price. You have to show them that you don't _need_ to buy _this_ particular car.

Good luck, and have fun shopping! Be safe in Afganistan!

 

It still upsets me to see a 20,000$ sticker priced car in 2005 costing more to insure than a 45,000$ car in 2005.

Given, nowdays the diffrence in a prestine SRT-4 is only 3-4 thousand less than a SRT-6.
It's almost too good to be true.

Thanks for the comments.


BTW, i went ahead and edited my first post, so as to not upset anyone.

 

first and foremost thank you for your service!
now on to the specifics. CASH will always i repeat always get you a better deal! if youn find what you want from a private sale then the cash really works in your favor. a car with title in hand also affects the ins. you have the ability to choose the the amounts of coverage from pip to full replacemanet coverage. as its your car you decide. when the bank owns it they decide!
if the srt6 is your choice then go for it. i may suggest to the chagrin of all on here that you look at the slk32 amg. this is were the srt6 was born from. fast elegant and the option of a hardtop or a convertible with the push of a button. either way you will have a blast with these rockets!

 

It comes down to the demographic who will be driving it. A large majority of SRT-4 owners are young smacked asses living their life "a 1/4 mile at a time", and giving everyone in earshot a sample of their blow-off valve sound.

PS USAA rocks- that's who insures our 3 cars.
PPS My insurance went up when I traded my Honda S2000 for an H3 Hummer.

 

insurance is definately related to the average age of the drivers. also, the insurance rates are related to how many claims they have a year for that specific vehicle (i.e. SRT4) after that the insurance companies have the number of times that vehicle was reported stolen in the past year.


All of those things go into what the baseline insurance rates are. Then of course your own personal driving record and age also factor into the equation.

 

It also has to do with where you live as well. I'm surprised mine is so cheap ($94 a month for a posted 22,000 miles a year). After I turned 25 it dropped to $75, but then I got in an accident so who knows where it's going to jump to.

Try another company. I use Geico and even got a 5% drop for doing monthly "paperless" transactions and another 5% just because I use Bank of America.

 

A couple of comments:

If your car is in storage the only insurance you need is comprehensive. That would drop you insurance cost drastically.

Stick with USAA. Their sevice and value is hard to beat, especially for those in the military.

 

I used to own two SRT-4's(consecutively) and then sold my last $20k SRT-4 for a new $45k Charger SRT-8 and my car insurance dropped in HALF!!! It truely is almost all about what "type" of people own the cars though. I have 6 friends in vegas that had SRT-4s and totalled them out doing stupid ****...............and have 1 friend that totalled out his Charger doing the same.




PS Cash in hand is always the best bargaining tool. I don't know how it is in Texas, but here in Nevada if you buy a car from a private party(non dealer) you do NOT have to pay sales tax........or any stupid dealer fees as well.