1997 Dodge Viper Car Insurance Cost – 9 Savings Tips

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.

How to buy insurance online

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.

Pay discount rates with these nine discounts

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.

• Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Viper insurance as compared to drivers with claims.
• Seat Belt Discounts – Drivers who require all occupants to buckle their seat belts may be able to save a few bucks off PIP or medical payments premium.
• Drivers Ed for Students – Require your teen driver to complete a driver education course as it will make them better drivers and lower rates.
• Organization Discounts – Being in specific professional or occupational memberships or organizations can get you a small discount on your policy.
• Life Insurance – Insurance companies who offer life insurance give a discounted price on car insurance if you buy a life policy as well.
• Discounts for Multiple Vehicles – Having several vehicles with one company qualifies for this discount.
• Own a Home – Owning a home can get you a discount because maintaining a house is proof of financial responsibility.
• College Student Discount – Older children who attend college more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
• Discount for Low Mileage – Maintaining low annual mileage may allow you to get substantially lower rates.

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.

• Geico may have discounts that include daytime running lights, air bags, multi-policy, federal employee, anti-lock brakes, and emergency military deployment.
• Travelers may offer discounts for multi-policy, student away at school, IntelliDrive, hybrid/electric vehicle, and early quote.
• Nationwide policyholders can earn discounts including easy pay, defensive driving, multi-policy, business or organization, anti-theft, Farm Bureau membership, and accident-free.
• Farmers Insurance offers discounts including teen driver, multi-car, electronic funds transfer, good student, early shopping, and pay in full.
• Esurance has discounts for good student, paid-in-full, good driver, multi-car, online shopper, and online quote.
• State Farm may include discounts for student away at school, anti-theft, Steer Clear safe driver discount, safe vehicle, and accident-free.
• Progressive discounts include continuous coverage, multi-policy, online signing, homeowner, good student, multi-vehicle, and online quote discount.
• Mercury Insurance offers discounts for multi-car, anti-theft, good student, low natural disaster claims, professional/association, good driver, and accident-free.

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.

Your situation helps dictate your coverage

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.

• Will my rates increase for filing one claim?
• I don’t drive much so do I pay less?
• What is the difference between comprehensive and collision coverage?
• When should I buy a commercial auto policy?
• Do I need special endorsements for business use of my vehicle?
• Am I covered when pulling a rental trailer?
• Do all my vehicles need collision coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Can I drive in Mexico and have coverage?

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.

What insurance coverages do you need?

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

Liability

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 protection

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 protection

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.

Have the Midas touch

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.

Helpful resources

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)