Cheap 2003 Dodge Viper Insurance Quotes

Want the cheapest insurance rates for your Dodge Viper? Are you tired of wondering where the money will come from to insure your Dodge every month? You are in the same boat as most other vehicle owners.

Vehicle owners have multiple auto insurance companies to choose from, and even though it’s nice to be able to choose, it can be more difficult to compare rates.

It is always a good idea to do rate comparisons before your policy renews since insurance prices change regularly. If you had the best rates on Viper coverage six months ago there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re going to learn the only way to lower your annual insurance bill.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you should be able to cut costs considerably using these techniques. Although car owners do need to learn the way companies market insurance on the web and apply this information to your search.

Quote auto insurance online

There are several ways to compare rate quotes from different insurance companies. The simplest method to find competitive Dodge Viper insurance rates is to jump online and get quotes. This can be done in just a few minutes using one of these methods.

1. The fastest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate quotation requests for every prospective company. Just one form will get you rate comparisons direct from many companies.
2. A less efficient way to shop for auto insurance online is to manually visit the website for every company you want to comare to complete a price quote. For instance, let’s say you want to get rates from Liberty Mutual, State Farm and GMAC. To find out each rate you need to spend time going to each site individually and repeatedly type in your coverage information, which explains why we recommend starting with the first method.

   To view a list of companies in your area, click here.

3. Even if you have time, the least recommended way to comparison shop rate quotes is calling or driving to insurance agencies in your area. Quoting and buying insurance online can eliminate the need for a local agent unless you want the extra assistance that only a licensed agent can provide. Drivers can compare online quotes but have a local agent actually write the policy.

You can choose any of those ways to find more affodable coverage, but try to keep nearly identical coverage limits for every quote you compare. If you are comparing mixed coverages it’s impossible to determine which company has the best rates. Even a minor difference in limits may result in large price differences. And when comparison shopping, comparing a wide range of rates helps improve the odds of finding a lower rate. Some insurance companies are not set up to provide rate quotes online, so you need to compare price quotes on coverage from those companies, too.

Don’t overlook these insurance discounts

The price of auto insurance can be rather high, but companies offer discounts that could help you make your next renewal payment. Some trigger automatically when you purchase, but a few must be manually applied before you get the savings.

• ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and the ABS can save up to 10%.
• Multi-line Discount – If the company offers life insurance, you could get lower rates if you buy some life insurance too.
• Discounts for Government Workers – Active or former government employment could provide a small rate reduction on Viper coverage with certain companies.
• Sign Online – Some of the larger companies will give you a small discount for buying a policy and signing up over the internet.
• College Student Discount – Kids living away from home attending college and don’t have a car may qualify for this discount.
• Own a Home – Just owning your own home can save you money because of the fact that having a home shows financial diligence.

Please keep in mind that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think all the discounts add up to a free policy, that’s just not realistic.

Companies and a summarized list of policyholder discounts include:

• AAA has savings for good driver, education and occupation, pay-in-full, good student, AAA membership discount, and anti-theft.
• Progressive has discounts for multi-vehicle, continuous coverage, multi-policy, good student, and online quote discount.
• State Farm offers discounts including anti-theft, safe vehicle, multiple policy, multiple autos, Steer Clear safe driver discount, and driver’s education.
• Esurance policyholders can earn discounts including DriveSense, anti-theft, multi-car, anti-lock brakes, online quote, multi-policy, and good student.
• Nationwide discounts include defensive driving, multi-policy, Farm Bureau membership, family plan, business or organization, anti-theft, and accident-free.

Before buying, ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not be offered in your area.

When to get professional advice

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine whether you will benefit from professional help.

• What is the rate difference between pleasure use and commuting?
• How much liability insurance is required?
• Are my friends covered when driving my 2003 Dodge Viper?
• Does my medical payments coverage pay my health insurance deductible?
• When should my teen driver be added to my policy?
• Where can I find high-risk insurance?
• Do I need motorclub coverage?
• If I drive on a suspended license am I covered?
• Do I need rental car coverage?
• Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Components of your Dodge Viper insurance prices

Part of the car insurance buying process is learning the different types of things that aid in calculating car insurance rates. If you understand what influences your rates, this enables informed choices that can help you get cheaper rates. Many factors are taken into consideration when pricing auto insurance. Some are obvious such as your driving history, but some are not quite as obvious like your continuous coverage or your financial responsibility.

• Job and insurance car insurance rates – Did you know your career choice can influence rates? Jobs such as doctors, architects and medical professionals have the highest rates due to job stress and lots of time spent away from family. On the flip side, jobs like farmers, historians and the unemployed pay the least on Viper coverage.
• Better car insurance rates with anti-theft devices – Purchasing a vehicle with advanced anti-theft systems can save you a little every year. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft.
• Avoid unnecessary incidental coverages – There are a ton of additional coverages you can purchase on your car insurance policy. Coverage for things like rental car coverage, towing coverage, and Farm Bureau memberships are examples of these. The coverages may be enticing when discussing your needs, but if you have no use for them think about removing them and cutting costs.
• Liability protection safeguards assets – Liability insurance is the coverage that protects you when you are found to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense which can cost a lot. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.

Auto insurance coverages

Understanding the coverages of insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, damage from flooding, falling objects, hitting a bird and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability – Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like loss of income, medical expenses, structural damage and emergency aid. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Dodge Viper.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, colliding with a tree, rolling your car, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for X-ray expenses, rehabilitation expenses, hospital visits, doctor visits and ambulance fees. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

The best insurance company isn’t always the cheapest

Affordable 2003 Dodge Viper insurance can be bought on the web in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. A few companies may not have price quotes online and usually these smaller providers only sell through independent insurance agencies.

You just learned some good ideas how to compare 2003 Dodge Viper insurance rates online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable car insurance. You may even discover the lowest rates come from some of the lesser-known companies. These smaller insurers can often provide lower auto insurance rates in certain areas than their larger competitors like Allstate and Progressive.

More information is available on the following sites:

• Vehicle Size and Weight FAQ (iihs.org)
• Cellphones, Texting and Driving (iihs.org)
• Auto Insurance 101 (About.com)
• Choosing an Insurance Company (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)