Compare 1996 Dodge Viper Insurance Quotes

No car owner looks forward to buying insurance coverage, in particular when the cost is way too high. There is such a variety of insurance companies to buy insurance from, and although it’s a good thing to be able to choose, so many choices can make it hard to get the best deal.

Get cheaper car insurance rates with discounts

Some insurers do not advertise every available discount very clearly, so we break down a few of the more common and also the lesser-known discounts that may be available. If you check and find you aren’t receiving every discount possible, you are paying more than you should be.

• Early Switch Discount – Select car insurance companies give a discount for signing up before your current expiration date. You can save around 10% with this discount.
• Accident Waiver – This one is not really a discount per se, but certain companies allow you one accident before your rates go up so long as you haven’t had any claims prior to being involved in the accident.
• Military Discounts – Having a family member in the military could trigger a small discount.
• Good Grades Discount – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
• Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may get savings as much as 30%.
• Accident Free – Drivers with accident-free driving histories get the best car insurance rates as compared to drivers with a long claim history.
• Own a Home – Being a homeowner may trigger a policy discount on car insurance due to the fact that maintaining a home is proof of financial responsibility.
• Defensive Driver Discounts – Passing a course that instructs on driving safety is a good idea and can lower rates depending on where you live.

As is typical with insurance, some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, companies don’t profit that way.

A few of the larger companies and some of the discounts are included below.

• AAA offers premium reductions for good student, anti-theft, good driver, multi-car, and pay-in-full.
• Progressive has savings for continuous coverage, multi-policy, online quote discount, online signing, homeowner, and multi-vehicle.
• State Farm may include discounts for defensive driving training, good student, accident-free, passive restraint, multiple autos, and student away at school.
• Esurance discounts include multi-policy, good driver, anti-theft, anti-lock brakes, paid-in-full, online shopper, and online quote.
• Nationwide may offer discounts for anti-theft, business or organization, multi-policy, easy pay, and defensive driving.

When quoting, ask every prospective company to apply every possible discount. A few discounts might not apply in your area. To locate insurance companies offering car insurance discounts, click this link.

Ways to get insurance coverage quotes

There are a lot of ways to compare insurance coverage prices but some are more efficient than others. You can waste hours discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to get the quickest rates.

Most of the larger companies take part in a program where prospective buyers only type in their quote data once, and each participating company can provide price quotes for coverage. This eliminates the need for quote forms to every company. To participate in this free quote system, click here (opens in new window).

The single downside to using this type of form is you don’t know exactly the companies you want to price. If you wish to select from a list of companies to receive pricing from, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you use the same quote data for each comparison quote. If you use differing limits it’s impossible to truly determine the lowest rate.

Save money with these tips

Lots of factors are part of the calculation when you quote your car insurance policy. Most are fairly basic such as traffic violations, although some other factors are less apparent such as whether you are married or your commute time.

• Lower rates with uninterrupted coverage – Not maintaining insurance can get your license suspended and you will pay a penalty because you let your coverage lapse. Not only will you pay higher rates, getting caught without coverage might get you a license revocation or jail time.
• Certain jobs raise rates – Occupational choices like military generalspolice officers and stock brokers generally have the highest average rates due to job stress and lengthy work days. Conversely, professions such as actors, historians and retirees have lower than average premiums on Viper coverage.
• A good credit history can save money – Your credit history is likely to be a major factor in determining premium rates. Therefore, if your credit history leaves room for improvement, you could be paying less to insure your 1996 Dodge Viper by taking the time to improve your credit score. People that have excellent credit tend to be more responsible than drivers who have poor credit scores.
• Minor frequent insurance claims are not good – If you file a lot of claims you can definitely plan on either policy cancellation or increased premiums. Companies generally give discounts to insureds that do not abuse their auto insurance. Your insurance policy is designed for claims that you cannot pay yourself.
• Policy add-ons add up – Insurance companies have many additional extra coverages you can purchase if you don’t pay attention. Things like rental car coverage, better glass coverage, and Farm Bureau memberships may be costing you every month. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
• Lower rates with a multi-policy discount – Most insurers will give better rates to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare other insurance prices to guarantee you are still saving the most.
• Alarm systems lowers premiums – Selecting a car model with advanced anti-theft systems can save you some money. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine whether you may require specific advice.

• Do I need replacement cost coverage?
• Will my rates increase for filing one claim?
• Is business equipment covered while in my vehicle?
• Am I covered when using my vehicle for business?
• Does my policy pay for OEM or aftermarket parts?
• Why does it cost so much to insure a teen driver?
• Are my friends covered when driving my car?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Coverage specifics

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Viper.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as repair bills for other people’s vehicles, legal defense fees, attorney fees and medical services. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, rock chips in glass, theft, damage from getting keyed and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays for damage to your Viper resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses such as chiropractic care, dental work and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Make a quick buck

As you restructure your insurance plan, do not reduce needed coverages to save money. In many instances, an accident victim reduced full coverage and found out when filing a claim that it was a big mistake. Your goal should be to purchase plenty of coverage at the best possible price, but do not skimp to save money.

Discount 1996 Dodge Viper insurance is attainable on the web and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not have online rate quotes and these small insurance companies only sell through independent insurance agencies.

You just learned a lot of information how to reduce 1996 Dodge Viper insurance premium rates online. It’s most important to understand that the more times you quote, the better your comparison will be. You may be surprised to find that the best premium rates are with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Allstate, Geico and Progressive.

To learn more, feel free to browse these articles:

• Rollover Crash FAQ (iihs.org)
• Car Insurance FAQ (Trusted Choice)
• Safe Vehicles for Teens (iihs.org)
• Alcohol Impaired Driving FAQ (iihs.org)