Finding low cost insurance could be hard for people new to shopping for insurance online. With such a big selection of agents and companies, it can easily turn into a real challenge to find more affordable prices.
All the larger insurance companies allow consumers to get insurance quotes on their websites. Doing online price comparisons is quite simple because you just enter the coverage amounts you desire into the quote form. Once you submit the form, the company’s rating system will obtain credit information and your driving record and quotes a price determined by many factors.
This makes it easy to compare insurance prices but the time it takes to visit each company’s website and repetitively type in the same data is a waste of time. But it’s also necessary to compare as many rates as possible if you are searching for a better rate.
There is a better way!
A less time-consuming method to locate the lowest prices is to use a quote form that gets prices from several different companies. It saves time, requires less work, and makes online shopping much easier to do. As soon as you send your information, your coverage is rated and you can select any one of the quote results.
If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. This process takes 15 minutes at the most and can result in significant savings.
In order to find out how much you’re overpaying now, click here to open in new window and submit the form. If you have your current policy handy, we recommend you copy the limits and deductibles just like they are on your policy. This ensures you will be getting rate quotes using the same coverage and limits.
Car insurance companies do not advertise every discount they offer very well, so we break down a few of the more common and the harder-to-find credits that you can use to lower your rates. If you are not receiving all the discounts possible, you are not getting the best rate possible.
We need to note that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck.
Large insurance companies and the discounts they provide are included below.
If you want low cost car insurance quotes, ask all companies you are considering which credits you are entitled to. All car insurance discounts might not be available to policyholders in your area. For a list of providers with the best insurance discounts, click here.
When buying the best insurance coverage coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.
For instance, these questions might point out if your insurance needs may require specific advice.
If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.
Having a good grasp of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Medical expense coverage
Coverage for medical payments and/or PIP reimburse you for bills for rehabilitation expenses, hospital visits and surgery. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
This can cover damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things like structural damage, loss of income, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.
Uninsured or underinsured coverage
Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays 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 limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.
Collision insurance will pay to fix damage to your Viper caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like crashing into a ditch, rolling your car, damaging your car on a curb, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as rock chips in glass, fire damage, damage from a tornado or hurricane, a broken windshield and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
We just covered a lot of tips how to shop for 1997 Dodge Viper insurance online. The key thing to remember is the more you quote car insurance, the better your comparison will be. You may be surprised to find that the lowest car insurance rates are with a lesser-known regional company.
Cheaper 1997 Dodge Viper insurance is available on the web and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide rates over the internet and usually these smaller providers provide coverage only through independent agents.
Consumers change insurance companies for many reasons like delays in responding to claim requests, unfair underwriting practices, an unsatisfactory settlement offer or policy non-renewal. No matter why you want to switch, finding a new insurance coverage company can be easier than you think.
If you have a clean record and live near Tacoma, WA, check out GEICO. They seem to be cheaper. :) Not worth enough to pay for comprehensive and collision.
Here’s what I found out. Live in the eastern part of Rochester, MN. I don’t recall every quote but I ended up saving about $20 each month. I got a quote from their website. I think I’ll get rid of full coverage next time.
I found pretty cheap rate quotes for a 1997 Dodge Viper in Omaha, NE. Ended up at about $70 every six months with Auto-Owners. Thankfully I’m not a high risk driver.
From northwest of Tucson, AZ. I got free prices from GMAC, AAA, Nationwide, and a couple others for my 1997 Dodge Viper and saved about $110 a year. Insured with AAA before. BTW speeding tickets are not good. Not worth enough to pay for comprehensive and collision.
Compared auto insurance prices with State Farm and Progressive but still not cheap enough.
In Nampa, ID, Auto-Owners had the best rates for my 1997 Dodge Viper. Thankfully I’m not a high risk driver. Might find lower rates online.
Does GEICO offer multi-policy discounts?
GEICO is pretty cheap in Hawaii! :)
Anyone buy from AAA? I’m in Las Cruces, New Mexico.
IT’S ALL TOO EXPENSIVE! I live in a small town just outside of West Valley City, UT. Received rates from AAA, Mercury, and a few others for my Viper and saved just over $70 a year. Moved home policy as well. Can still barely afford it. I think I’ll get rid of full coverage next time.
Mine is so expensive. Got a quote with State Farm for my Dodge and cut my rates about $60 a year. I get lower rates because of my clean driving record.
Cheaper car insurance is a myth. I live in a small town just outside of Provo, Utah. Got rates from Allstate, AIG Insurance, and some I forget for my Viper and I think I cut my rates about $20 each month. Left Liberty Mutual to switch. Ask about discounts. It’s only liability tho.
Located in Springfield, MO. Checked online prices for a 1997 Dodge Viper. Ended up at about $80 savings annually. Went with State Farm. Left Travelers to switch. They offer free online rate quotes. Not worth enough to pay for comprehensive and collision.
If you have a good history and live near South Burlington, VT, check out GEICO. You might get cheaper rates. Just waiting to see how claims go. Just liability coverage since it’s getting old.
Cheap car insurance? What’s that? I’m in the east part of Rochester, NY. Quoted with Amica, MetLife, and USAA for my Viper and saved about $110 a year. Insured with Auto-Owners before. I have a couple other vehicles on the policy. I quoted rates online then called them.
If you don’t have tickets and are close to Kailua, Hawaii, check out 21st Century. I saved quite a bit. Full coverage costs too much.