Lower Your 2009 Dodge Viper Car Insurance Cost

Nobody that owns a car likes having to buy insurance coverage, especially knowing they are paying too much. Since you have so many online and local companies to choose from, it can be challenging to pick the most cost effective company.

Save money with discounts

Some providers don’t always advertise every discount in an easy-to-find place, so the below list has a few of the more common and also the lesser-known credits available to lower your premiums when you buy insurance online.

• Include Life Insurance and Save – Companies who offer life insurance give better prices if you take out a life insurance policy as well.
• Mature Driver Discount – If you’re over the age of 55, you are able to get a small decrease in premiums for Viper coverage.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but some insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear prior to being involved in the accident.
• Fewer Miles Equal More Savings – Keeping the miles down on your Dodge can qualify you for slightly better rates than normal.
• Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on medical payment and PIP coverage.
• Discounts for Good Drivers – Drivers without accidents could pay up to 40% less for Viper coverage than drivers with accident claims.
• Distant Student – Youth drivers who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Popular insurance coverage companies and some of the discounts are outlined below.

• Farm Bureau offers discounts including 55 and retired, renewal discount, multi-policy, driver training, safe driver, youthful driver, and good student.
• MetLife may offer discounts for accident-free, multi-policy, defensive driver, claim-free, and good driver.
• Progressive includes discounts for continuous coverage, good student, online signing, multi-policy, and online quote discount.
• AAA may have discounts that include AAA membership discount, anti-theft, multi-car, education and occupation, good driver, pay-in-full, and multi-policy.
• American Family has savings for air bags, bundled insurance, good driver, multi-vehicle, Steer into Savings, and TimeAway discount.
• Geico policyholders can earn discounts including driver training, seat belt use, emergency military deployment, multi-vehicle, good student, and anti-theft.
• State Farm has discounts for defensive driving training, multiple autos, driver’s education, good student, student away at school, and multiple policy.

If you need lower rates, check with every insurance company how many discounts you can get. Some credits might not be offered in your area. To find insurers who offer insurance coverage discounts, click here to view.

What is the best insurance coverage coverage?

When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might help in determining if your situation will benefit from professional help.

• Does my insurance cover a custom paint job?
• Am I better off with higher deductibles on my 2009 Dodge Viper?
• Will my vehicle be repaired with OEM or aftermarket parts?
• If I drive on a suspended license am I covered?
• Do I have any recourse if my insurance company denies a claim?
• Does having multiple vehicles earn me a discount?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Insurance coverages explained

Understanding the coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages available from insurance companies.

Liability coverages

This will cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have 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. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like medical expenses, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like nursing services, prosthetic devices, ambulance fees and hospital visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, damage from a tornado or hurricane, hitting a bird and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

This covers damage to your Viper from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Viper.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

And the best car insurance company is…

As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at the best price and still be able to protect your assets.

We’ve covered some good ideas how to compare 2009 Dodge Viper insurance rates online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates are with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

More information is located at these links:

• State Car Insurance Guides (Geico)
• Distracted Driving (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)