Believe it or not, my insurance went DOWN when I got the SRT-4 and traded in my 2003 Stratus R/T. The Neon has 50 more ft-lb of torque, 30 more horses, and weighs 500 lb less. But it has foor doors and is a four-cylinder. The Stratus was a two-door and 6 cylinder. So even though it is stronger and lighter, and was 2 years newer, the insurance company didn't see it that way.