Cheaper 2000 Dodge Viper Insurance Quotes

Have you had enough of not being able to afford each month for insurance? You have the same problem as most other people. You have so many auto insurance companies to purchase coverage from, and even though it’s nice to be able to choose, it can be more challenging to adequately compare rates.

Consumers need to do price comparisons quite often since prices change frequently. If you had the lowest price for Viper coverage a year ago you can probably find a lower rate today. There is a lot of bad advice regarding insurance online but in this article, you’re going to get some great ways to put money back in your pocket.

Do you qualify for discounts?

Companies offering auto insurance don’t always list their entire list of discounts in a way that’s easy to find, so the below list has both the well known and the more hidden credits available to lower your premiums when you buy insurance online. If you check and find you aren’t receiving every discount you deserve, you could be getting lower rates.

• Passive Restraint Discount – Cars that have air bags or automatic seat belts can get savings of more than 20%.
• Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen with less frequency so companies will give you a small discount.
• Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
• Accident Waiver – Not a discount per se, but companies like State Farm, Progressive and Geico will let one accident slide before hitting you with a surcharge so long as you are claim-free for a certain period of time.
• Early Switch Discount – A few larger companies allow discounts for switching policies prior to the expiration date on your current policy. It can save you around 10%.
• Multi-car Discount – Purchasing coverage when you have all your vehicles on a single policy can reduce the rates for all insured vehicles.
• Distant Student – Kids living away from home attending college and won’t have access to an insured vehicle could qualify for this discount.
• Defensive Driver Discounts – Taking time to complete a defensive driving class may get you a small discount depending on where you live.
• Drivers Ed for Students – Require your teen driver to enroll and complete driver’s education if it’s offered in school.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

Popular insurance coverage companies and a partial list of their discounts are included below.

• Farm Bureau may have discounts that include youthful driver, 55 and retired, renewal discount, safe driver, driver training, and multi-policy.
• Liberty Mutual may include discounts for newly retired, new vehicle discount, preferred payment discount, multi-policy, teen driver discount, and safety features.
• State Farm offers premium reductions for passive restraint, good driver, Drive Safe & Save, Steer Clear safe driver discount, accident-free, and driver’s education.
• Auto-Owners Insurance offers discounts for student away at school, mature driver, anti-lock brakes, safe driver, and multiple vehicles.
• Geico has savings for federal employee, seat belt use, daytime running lights, emergency military deployment, and membership and employees.
• SAFECO offers discounts including multi-car, homeowner, teen safe driver, accident prevention training, and teen safety rewards.

When getting free insurance quotes, it’s a good idea to every insurance company what discounts are available to you. Some discounts listed above might not apply in your area. If you would like to view companies who offer online insurance coverage quotes, click this link.

Six things that impact your insurance costs

Multiple criteria are used in the calculation when quoting car insurance. Some of the criteria are obvious such as your driving history, but some are less obvious such as whether you are married and annual miles driven.Part of the auto insurance buying process is learning some of the factors that help determine the price you pay for auto insurance. If you understand what controls the rates you pay, this helps enable you to make changes that could help you find better auto insurance rates.

• Higher coverage deductibles are cheaper – Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Dodge. Some examples of covered claims could be colliding with a building, flood damage, and rolling your vehicle. The deductibles represent how much money you are willing to pay if a covered claim is submitted. The more of the claim you’re willing to pay, the better rate you will receive for Viper coverage.
• Married drivers pay lower premiums – Having a spouse can actually save you money on your auto insurance policy. It demonstrates that you tend to be more stable financially and it’s statistically proven that being married results in fewer claims.
• Premiums are high for teenagers – Mature drivers have been proven to be more responsible, cause fewer claims and accidents and receive fewer citations.Inexperience drivers are statistically proven to be inattentive and easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates.
• Annual mileage impacts costs – The more you drive your Dodge each year the higher the price you pay to insure it. A lot of insurance companies calculate prices based upon how much you drive. Cars and trucks used primarily for pleasure use receive better premium rates compared to those used for work or business. Double check that your auto insurance policy properly reflects annual mileage, because improper ratings can cost you money. An incorrectly rated Viper may be costing you.
• Gender matters – Over time, data shows that females tend to be a little less risky than males. It does not mean women are better drivers. Both genders have auto accidents in similar percentages, but guys cause more damage. Men also tend to receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
• Know your credit rating – Your credit history can be an important factor in calculating your auto insurance rates. People that have excellent credit scores tend to be less risk to insure as compared to drivers with lower ratings. If your credit history can use some improvement, you could save money insuring your 2000 Dodge Viper by repairing your credit.

Don’t assume everyone needs the same auto insurance coverage

When buying adequate coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might help in determining if you will benefit from professional help.

• Do I pay less if my vehicle is kept in my garage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Am I covered when using my vehicle for business?
• Is a fancy paint job covered?
• Who is covered when they drive my 2000 Dodge Viper?
• Should I file a claim if it’s only slightly more than my deductible?
• When can my company non-renew my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Are you falling for claims of savings?

Consumers constantly see and hear ads that claim the cheapest prices from companies such as 21st Century, Allstate and State Farm. All the companies tend to make the same promise about saving some big amount if you just switch your policy.

How do they all give you a better price?

Different companies quote their cheapest rates for the type of driver they prefer to insure. A good example of a profitable insured should be married and over the age of 30, has other policies, and chooses high deductibles. A customer who fits that profile will get very good prices and have a good chance to save some money.

Drivers who may not quite match these standards may be forced to pay higher premiums with the end result being business not being written. The ads state “customers who switch” but not “everyone who gets a quote” save that much. That’s the way companies can truthfully make the claims of big savings. Because of these techniques, you need to get insurance quotes as often as possible. Because you never know which insurance companies will be your best fit.

Car insurance coverage breakdown

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages available from car insurance companies.

Collision insurance

This coverage pays for damage to your Viper resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter, hitting a mailbox, backing into a parked car and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2000 Dodge Viper.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability auto insurance

This coverage provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as funeral expenses, court costs and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like EMT expenses, dental work and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, fire damage, a broken windshield and damage from flooding. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Make an honest buck

As you quote insurance, make sure you don’t buy poor coverage just to save money. There are too many instances where someone dropped physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase a proper amount of coverage at the lowest possible cost.

Some insurance providers may not provide internet price quotes and these regional insurance providers provide coverage only through local independent agencies. More affordable insurance coverage can be purchased online and from local agencies, so compare prices from both to get a complete price analysis.

Additional insurance coverage information is available at these links:

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Older Drivers FAQ (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Rental Reimbursement Coverage (Allstate)
• Choosing a Car for Your Teen (State Farm)