2005 Dodge Viper Insurance Quotes

Scraping up a payment for expensive Dodge Viper insurance can drain your accounts and put the squeeze on your family’s finances. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

With so many companies to choose from, it’s difficult to find the best insurer.

Consumers need to get comparison quotes periodically because prices fluctuate regularly. Even if you got the best deal on Viper coverage at your last renewal the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance coverage because you’re about to find out the only way to buy cheaper insurance coverage.

Finding affordable coverage is not rocket science. In a nutshell, everyone who carries car insurance will be able to lower their premiums. But car owners need to have an understanding of the way insurance companies determine prices because it can help you find the best coverage.

Insurance quotes comparison

Shopping for lower insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You could spend your day talking about coverages with agents in your area, or you could use online quotes to get rates in a matter of minutes.

Many companies are enrolled in a marketplace where insurance shoppers submit their information once, and every company returns a competitive quote based on the submitted data. This system prevents you from having to do quote requests for every insurance company. To access this free quoting program, click here to start a free quote.

One minor caviat to pricing coverage this way is you are unable to specify the companies to get pricing from. So if you want to choose from a list of companies to compare, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just make absolute certain that you use the same coverage limits for each price quote. If the quotes have different limits and deductibles on each one you can’t possibly make a fair rate comparison. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. And when quoting insurance, remember that quoting more increases the change that you will find a lower rate. Not every company provides online price quotes, so it’s necessary to compare prices from the smaller companies as well.

Components of your Dodge Viper insurance rates

Lots of factors are considered when premium rates are determined. Some factors are common sense such as traffic violations, although some other factors are less apparent such as whether you are married or your commute time.

  • Reduce car insurance rates by driving safer cars – Vehicles that have high safety ratings are cheaper to insure. The safest vehicles protect occupants better and better occupant protection means less claims paid which can mean better rates for you. If your Dodge Viper has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Male costs may be higher – Statistics show that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Males and females get in accidents at about the same rate, but the men have accidents that have higher claims. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI.
  • Insure car and home with the same company – Most car insurance companies allow better rates to insureds that have more than one policy such as combining an auto and homeowners policy. The discount can add up to as much as ten percent or more Even if you’re getting this discount it’s still a good idea to compare other insurance prices to guarantee you are still saving the most.
  • Employer reflects on premiums – Did you know your occupation can influence how much you pay for car insurance? Occupations like military personnel, architects and medical professionals tend to have the highest average rates due to job stress and lots of time spent at work. On the flip side, professions such as professors, engineers and performers receive lower rates on Viper coverage.
  • Liability insurance is cheap – Your policy’s liability coverage will protect you if you are determined to be liable for causing personal injury or damage in an accident. It provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Teen drivers are expensive to insure – More experienced drivers are shown to be more cautious, cause fewer claims and accidents .Youthful drivers have been known to be inattentive and easily distracted when driving so car insurance rates are higher.
  • Theft deterrents lowers premiums – Driving a car with an alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent your car from being stolen.

Discount insurance coverage quotes

Some providers do not advertise every available discount very well, so we took the time to find both well-publicized as well as some of the hidden discounts that may be available.

  • Student Discounts – Performing well in school may save you up to 25%. You can use this discount normally up to age 25.
  • Auto/Life Discount – Companies who offer life insurance give lower premium rates if you buy life insurance from them.
  • Theft Deterent Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Low Mileage – Maintaining low annual mileage could be rewarded with discounted rates on garaged vehicles.
  • Mature Driver Discount – Mature drivers may be able to get a small discount on rates on Viper coverage.
  • Defensive Driver Discounts – Passing a defensive driving course could earn you a small percentage discount and make you a better driver.
  • Paper-free Discount – A few larger online companies may give you up to $50 for buying a policy and signing up on the web.

You can save money using discounts, but many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and some of the discounts can be found below.

  • Farmers Insurance may include discounts for pay in full, bundle discounts, homeowner, distant student, switch companies, good student, and early shopping.
  • State Farm policyholders can earn discounts including anti-theft, driver’s education, safe vehicle, accident-free, Drive Safe & Save, multiple autos, and Steer Clear safe driver discount.
  • Liberty Mutual has savings for multi-car, new move discount, preferred payment discount, good student, and exclusive group savings.
  • MetLife offers premium reductions for good student, defensive driver, multi-policy, accident-free, and claim-free.
  • Progressive includes discounts for good student, continuous coverage, online signing, homeowner, multi-vehicle, and online quote discount.

If you need lower rates, check with all the companies which discounts you qualify for. Depending on the company, some discounts may not apply to policies everywhere. To locate insurers that offer discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can aid in determining if you could use an agent’s help.

  • Do I need special endorsements for business use of my vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is the ISO rating for a 2005 Dodge Viper?
  • When would I need rental car insurance?
  • What if I don’t agree with a claim settlement offer?
  • What companies insure drivers after a DUI or DWI?
  • How do I buy GAP insurance?
  • Can I get a multi-policy discount?
  • Can my babysitter drive my car?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Parts of your car insurance policy

Understanding the coverages of a car insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2005 Dodge Viper.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as rehabilitation expenses, prosthetic devices, ambulance fees, EMT expenses and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

This coverage protects you from injuries or damage you cause to other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like medical expenses, loss of income and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive car insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, a tree branch falling on your vehicle, damage from getting keyed, damage from a tornado or hurricane and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage on a shoestring budget

Budget-conscious 2005 Dodge Viper insurance can be found both online and from local agencies, so you need to shop auto insurance with both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get a quote online and most of the time these regional insurance providers work with independent insurance agencies.

We covered many ways to compare 2005 Dodge Viper insurance auto insurance rates online. It’s most important to understand that the more companies you get premium rates for, the better your chances of lowering your premium rates. Drivers may discover the most savings is with the least-expected company. These smaller insurers may have significantly lower premium rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

Additional detailed information is located at these sites:

Comments About 2005 Dodge Viper Insurance

  1. Cassie Durham

    Affordable car insurance is a myth. I’m in the west part of Springfield, Massachusetts. Got car insurance prices from AAA, Nationwide, and some smaller one I can’t remember the name of for my Viper and saved $152 a year. BTW speeding tickets are not good. Not sure if rates are cheaper online or not.

  2. Corrina Beck

    Mine is so expensive. Live in Gaithersburg, MD. Got quotes from AAA, Nationwide, and a few others for my Dodge and I’m now saving $39 a month. Was with Encompass. I recommend comparing lots of rates.

  3. Pennie Roberts

    Like your site, BTW. I’m in Worcester, Massachusetts. Got quotes with 21st Century, American Family, Esurance, and The General for my Viper and am saving around $330 a year. Insured with Western Auto Insurance before. I just quoted rates online.

  4. Merrie Banks

    Quoted with AAA for my Viper and saved about $550 a year. Get lots of quotes to find the best rate.

  5. Jenee Lopez

    Compared auto insurance prices with State Farm and Progressive but still not cheap enough.

  6. Trula Castaneda

    I live in Rapid City, SD. Got prices from MetLife, Esurance, State Farm, and Amica for my Viper and saved just over $510 a year.

  7. Santa Huffman

    Well-written and thought out article. Got a quote with Liberty Mutual for my Viper and am saving around $400 a year.

  8. Elenore Hunter

    Just a quick comment on my experience. I’m in the east part of Mobile, Alabama. I got free prices from State Farm, American Family, Erie, and The General for my Viper and I think I am saving around $30 each month. I’m a pretty low risk driver.

  9. Rolando Glass

    I live in a small town just outside of Tulsa, Oklahoma. Got car insurance prices from GEICO, Encompass, and Hartford for my Viper and I’m now saving $40 a month. I got prices on the web.