2017 Dodge Viper Insurance Quotes

Searching for better auto insurance rates for your Dodge Viper? Having to pay for expensive Dodge Viper insurance can dwindle your accounts and maybe even restrict other spending. Price shopping at each renewal is a smart way to lower your bills every month.

Many insurance companies vie for your hard-earned dollar, so it’s not easy to compare every company and uncover the absolute best price available.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Buying car insurance is easy if you know what you’re doing. But drivers need to learn how insurance companies sell online and apply this information to your search.

How much is auto insurance?

When looking for affordable insurance coverage quotes, there are a couple ways of comparing rates from many available auto insurance companies in your state. The quickest method to find affordable 2017 Dodge Viper insurance rates involves getting comparison quotes online. This is very easy and can be done by using one of the methods below.

1. Probably the best way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This easy form keeps you from doing a different quote for every prospective company. One form will return quotes instantly.
2. A harder way to shop for auto insurance online requires a visit to each company’s website and repeat the quote process again and again. For instance, we’ll assume you want to compare prices for State Farm, Progressive and Farmers. To get rate quotes you would need to go to each individual site and enter your policy data, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
3. The least efficient method to get comparison rates is to waste gas driving to all the different insurance agencies. Buying insurance online eliminates this option unless your situation requires the professional assistance that you can only get from talking to an agent. It is possible with some companies find lower rates online and have a local agent actually service the policy.

The approach you take is up to you, just ensure you are comparing the exact same deductibles and coverage limits on every quote. If you enter mixed coverages it’s not possible to make a fair rate comparison. Even a minor difference in insurance coverages may result in large price differences. And when quoting auto insurance, remember that obtaining a wide range of quotes gives you a better chance of getting more affordable rates. Some smaller insurers to not give online quotes, so you also need to get quotes from the smaller companies as well.

Discounts can really help lower rates

Companies don’t always publicize every possible discount very clearly, so the below list has a few of the more common in addition to some of the lesser obvious ways to save on insurance.

• Active Military Service – Being deployed in the military could trigger a small discount.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will qualify for a discount on a insurance coverage quote.
• Discount for Low Mileage – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
• Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
• Life Insurance Discount – Insurance companies who offer life insurance give lower insurancerates if you buy auto and life insurance together.
• New Car Discount – Buying a new car model is cheaper because new vehicles keep occupants safer.

As a sidenote, some of the credits will not apply the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.

To see a list of companies offering insurance discounts, click here.

The Dodge Viper insurance premium equation

Many things are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but some are more transparent such as whether you are married or your financial responsibility.

• Raise physical damage deductibles and save – Protection for physical damage, also called ‘full coverage’, helps pay for damage to your vehicle. Some coverage claims would be a windshield shattered by a rock, flood damage, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles are the amount of money you are willing to pay before your insurance pays a claim. The more expense you have to pay, the less your insurance will be on Viper insurance.
• Proper usage rating affects premiums – The more you drive your Dodge each year the higher the price you pay to insure it. A lot of companies calculate rates determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your insurance declarations sheet reflects the proper vehicle usage, because it can save money. An incorrectly rated Viper may be costing you.
• Tickets increase costs – Having just one speeding ticket or other violation may increase your cost forty percent or more. Drivers who don’t get tickets pay lower auto insurance prices than people who have multiple driving citations. Drivers who have received multiple tickets such as hit and run, DWI or reckless driving convictions may need to prove financial responsibility with their state in order to drive a vehicle legally.
• Lower stress equals lower prices – Did you know that where you work can have an impact on rates? Careers like military generalsairline pilots and dentists generally have higher average rates because of job stress and long work days. On the other hand, occupations like actors, engineers and retirees have lower than average premiums on Viper insurance.
• Teen drivers cost more – Youthful drivers are known to be inattentive when driving with friends therefore insurance rates are much higher. Having to add a youthful driver onto your insurance can be very expensive. Older people are viewed as being more responsible, cause fewer claims and accidents and get fewer tickets.

Will just any policy work for me?

When buying the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help you determine if your insurance needs might need professional guidance.

• What is the minimum liability in my state?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered if I hit my neighbor’s mailbox?
• Does coverage extend to Mexico or Canada?
• Should I buy more coverage than the required minimum liability coverage?
• Does my insurance cover my expensive audio equipment?
• Can my teen drive my company car?
• Do I need special endorsements for business use of my vehicle?
• Should I buy additional glass protection?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Is there deception in advertising?

Insurance coverage providers like 21st Century, Allstate and State Farm consistently run ads on TV and radio. They all seem to have a common claim about how much you will save after switching your insurance coverage policy to them. How can each company charge lower premium rates?

Insurance providers can use profiling for a prospective insured that will be a good risk. For example, a profitable customer might be over age 30, has never had a policy lapse, and drives newer vehicles. Any customer who fits that profile is entitled to the best price and most likely will save when they switch companies.

Potential customers who cannot meet those standards will see higher prices and this can result in the customer not purchasing. The ads state “drivers that switch” not “everyone who quotes” save money. That is how insurance companies can make those claims.

Because each company has a different risk profile, you really should get a wide range of price quotes. Because you cannot predict the company that will give you the biggest savings.

Information about specific coverages

Knowing the specifics of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages offered by car insurance companies.

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, hitting a bird and hitting a deer. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for bills like ambulance fees, dental work and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability auto insurance – This coverage protects you from damage that occurs to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like repair costs for stationary objects, pain and suffering, court costs and medical services. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Dodge Viper.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Have money to burn

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced liability coverage limits and learned later that they should have had better coverage. Your focus should be to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.

We just showed you many ways to lower your 2017 Dodge Viper insurance prices. The key concept to understand is the more times you quote, the better your comparison will be. Drivers may discover the best prices are with an unexpected company. Some small companies often have lower rates on specific markets compared to the large companies like Geico and State Farm.

Other learning opportunities

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Determing Auto Insurance Rates (Geico)
• Medical Payments Coverage (Liberty Mutual)
• Event Data Recorders FAQ (iihs.org)