1999 Dodge Viper Insurance Rates

Want lower car insurance rates? Drivers have a choice when trying to find affordable Dodge Viper insurance. They can either waste time struggling with agents getting price quotes or use the internet to find the lowest rates. There is a better way to shop for car insurance and you need to know the best way to compare rates for your Dodge and find the best price possible from local insurance agents and online providers.

You need to shop coverage around occasionally due to the fact that insurance rates are usually higher with each renewal. Even if you think you had the best rate for Viper insurance on your last policy you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to find out how to use the internet to get good coverage at a lower rate.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you will be able to save some money using these techniques. Drivers just need to learn the best way to compare prices online.

How to find cheap insurance

There are a lot of ways you can shop for insurance but there is one way that is easier and takes less work. You could waste a few hours driving to insurance companies in your area, or you could use online quotes for quick rates.

Many insurance companies enroll in a system that allows shoppers to enter their policy data once, and at least one company provides a quote for coverage. This system prevents you from having to do quote forms for every insurance company. To find out how much you’re overpaying now click to open in new window.

The one downside to using this type of form is that consumers can’t choose which companies you will receive quotes from. So if you want to select specific insurance companies to compare rates, we put together a list of low cost insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but compare identical coverages and limits for every company. If you are comparing different liability limits then you won’t be able to make a fair rate comparison.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

These are some specific questions might help in determining if you will benefit from professional help.

• How high should deductibles be on a 1999 Dodge Viper?
• Can I get a multi-policy discount?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Why am I required to buy liability insurance?
• What is UM/UIM insurance?
• Is pleasure use cheaper than using my 1999 Dodge Viper to commute?
• Am I covered if I hit a deer?
• Is a blown tire covered by insurance?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Insurance coverage options for a 1999 Dodge Viper

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability insurance

This protects you from damage that occurs to other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, loss of income, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, damaging your car on a curb, rolling your car, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, rock chips in glass, falling objects, a broken windshield and theft. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for things like nursing services, doctor visits and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible