1997 Dodge Viper Insurance Quotes

Want lower auto insurance rates for your Dodge Viper? Do you get overwhelmed by the dozens of auto insurance companies that you can choose from? You have such a large number of options that it can quickly become a big hassle to find a more affordable company.

Consumers should take time to compare premium rates periodically because insurance prices are rarely the same from one policy term to another. If you had the best rates on Viper insurance a couple years back the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because you’re going to learn the right way to find better rates and still maintain coverage.

If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. This information will help educate you on how car insurance quotes work. But drivers should learn the way companies market insurance on the web.

Drivers can save with these premium-slashing discounts

Car insurance can cost a lot, but you may be missing some discounts that can dramatically reduce your bill. A few discounts will be applied at the time of purchase, but some may not be applied and must be asked for before being credited.

• Discount for Low Mileage – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
• Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you could save up to 5%.
• Save over 55 – Older drivers may receive a small discount on rates on Viper insurance.
• Professional Organizations – Having an affiliation with qualifying employment or professional organizations can get you a small discount when getting a auto insurance quote.
• Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Viper insurance as compared to drivers with claims.
• Good Students Pay Less – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
• Drivers Ed for Students – Have your child take driver’s ed class if offered at their school.

As a sidenote, most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, you aren’t that lucky. But all discounts will cut the amount you pay for coverage.

Some of the insurance companies that may offer these discounts include:

• Esurance
• The Hartford
• AAA
• Geico
• State Farm

If you are trying to find low cost auto insurance quotes, ask all companies you are considering what discounts are available to you. Depending on the company, some discounts might not apply in every state. If you would like to choose from a list of companies with significant discounts, click here.

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How much does car insurance cost?

The majority of larger companies allow you to get coverage prices on the web. Getting quotes is quite easy because you just enter the coverages you want into the quote form. Upon sending the form, the system obtains reports for credit and driving violations and gives you a price quote based on these and other factors.

Quoting online helps simplify price comparisons, but the work required to visit several different sites and type in the same data is not the best way to spend an afternoon. But it is imperative to have as many quotes as possible if you want to get a lower rate.

A more efficient way to compare car insurance pricing makes use of a single form that obtains quotes from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much more enjoyable. Immediately after submitting the form, it gets priced with multiple companies and you can pick any of the price quotes you receive. If a lower price is quoted, you can simply submit the application and purchase the new policy. This process takes just a few minutes to complete and may save quite a bit of money.

If you want to find out how much you’re overpaying now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you complete the form with the coverage information just like they are on your policy. This helps ensure you will receive an apples-to-apples comparison for exact coverage.

You can change your insurance costs

Lots of things are considered when premium rates are determined. Some factors are common sense such as your driving history, although others are not quite as obvious such as your marital status and annual miles driven.A large part of saving on insurance is knowing a few of the rating criteria that help calculate the price you pay for insurance. If you know what positively or negatively impacts your premiums, this allows you to make good choices that could help you find lower insurance prices.

The list below includes some of the items insurance companies consider when setting your prices.

• Save by driving safer cars – Cars with high safety ratings get lower rates. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries means less claims paid and thus lower rates. If the Dodge Viper earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
• Guys pay higher premiums – Statistics show females are less aggressive when driving. Now that doesn’t mean men are worse drivers. Both genders have accidents in similar numbers, but males get into accidents with more damage. They also have more aggressive citations such as DWI and reckless driving. Male teenagers tend to get in the most accidents and therefore are the most expensive to insure.
• Driving citations mean higher rates – Good drivers get better prices than people who have multiple driving citations. Only having one driving citation could increase your next policy renewal forty percent or more. Drivers with multiple tickets such as DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 form with the DMV in their state in order to keep their license.
• Lower miles driven equals lower premium – The higher the mileage driven in a year’s time the higher the price you pay to insure it. A lot of insurance companies rate vehicles based on how the vehicle is used. Autos left parked in the garage can get a lower rate than vehicles that have high annual mileage. Having an incorrect usage rating on your Viper can cost quite a bit. It’s a smart idea to ensure your insurance declarations sheet is showing the correct driver usage, because it can save money.

Do I need special coverages?

When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions might help in determining if your situation could use an agent’s help.

• How do I file an SR-22 for a DUI in my state?
• What is UM/UIM insurance?
• Is a new car covered when I drive it off the dealer lot?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Does having multiple vehicles earn me a discount?
• Am I covered when driving on a suspended license?
• Is there coverage for injuries to my pets?
• Do I pay less if my vehicle is kept in my garage?
• When should I buy a commercial auto policy?
• Am I getting all the discounts available?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form.

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Insurance coverage breakdown

Knowing the specifics of insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Auto collision coverage

Collision insurance pays for damage to your Viper resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, rolling your car, hitting a parking meter, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage can cover damage that occurs to people or other property. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as attorney fees, medical services, bail bonds, structural damage and funeral expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like ambulance fees, rehabilitation expenses, funeral costs, dental work and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Viper.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, hitting a bird, hail damage, falling objects and rock chips in glass. 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 it’s probably time to drop comprehensive insurance.

Save your hard earned cash

You just read some good ideas how you can get a better price on 1997 Dodge Viper insurance. It’s most important to understand that the more companies you get car insurance rates for, the higher the chance of saving money. Drivers may discover the most savings is with some of the smallest insurance companies.

When shopping online for auto insurance, make sure you don’t reduce needed coverages to save money. There are too many instances where someone sacrificed full coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Insureds switch companies for a number of reasons such as lack of trust in their agent, policy cancellation, extreme rates for teen drivers or even delays in responding to claim requests. It doesn’t matter what your reason, switching auto insurance companies can be easier than you think.

For more information, take a look at the resources below:

• Older Drivers FAQ (iihs.org)
• State Car Insurance Guides (Geico)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)

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