Cheaper 1999 Dodge Viper Insurance Quotes

Finding the cheapest insurance for your Dodge Viper could be an all-consuming task, but you can learn our car insurance buying tips to save time. There are more efficient ways to find car insurance online and we’ll show you the quickest way to price shop coverage for your Dodge and find the cheapest rates from both online companies and local agents.

It is always a good idea to price shop coverage at least once a year because insurance prices fluctuate regularly. Even if you got the best rates for Viper insurance last year you can probably find a better premium rate now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Learn how to get car insurance cheaper

Many factors are considered when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but some are more obscure like where you live and annual miles driven.

Listed below are a few of the “ingredients” used by insurance companies to determine your rates.

• Additional coverages that may be costing you – There are quite a few additional extra coverages you can purchase on your Viper policy. Insurance for things like vanishing deductibles, high-cost glass coverage, and extra equipment coverage may be costing you every month. They may sound like good ideas when discussing your needs, but now you might not need them so get rid of them and save.
• Bundle home and auto and save – Many insurers will give discounts to people that have more than one policy. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, consumers should still compare other company rates to verify if the discount is saving money.
• Rural areas have lower costs – Residing in less populated areas can save you money when trying to find low car insurance rates. Fewer drivers and short commutes corresponds to lower accident rates in addition to lower liability claims Residents of big cities have to deal with more traffic problems and longer commutes to work. Longer commute distances means more chances of being involved in an auto accident.
• Avoid traffic tickets – Drivers who don’t get tickets have lower premiums than their less careful counterparts. Even one chargable violation may increase your cost substantially. Drivers who have gotten severe violations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state DMV in order to keep their license.
• Single drivers may get higher premiums – Being married helps lower the price when buying car insurance. It usually means you are more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
• Your age impacts your prices – Older, more experienced drivers are more cautious drivers, tend to cause fewer accidents and tend to be get fewer driving tickets.Beginning drivers have a tendency to get distracted easily in a vehicle therefore car insurance rates are much higher.
• Drivers with good credit save – Credit score can be a huge factor in determining your rates. People that have excellent credit tend to be more responsible than those with poor credit. So if your credit could use some work, you could potentially save money when insuring your 1999 Dodge Viper by spending a little time repairing your credit.

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Save a ton by getting discounts

Companies don’t necessarily list every available discount very clearly, so the list below contains both well-publicized as well as some of the hidden ways to save on insurance.

• Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Active Military Service – Being deployed in the military could qualify you for better premium rates.
• Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance for Viper insurance with certain companies.
• Telematics Data – Insureds that choose to allow their company to study where and when they drive by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
• Online Discount – Some of the larger companies will give a small break for buying your policy online.
• Save over 55 – Drivers that qualify as senior citizens can possibly qualify for lower premium rates for Viper insurance.
• Club Memberships – Being a member of a civic or occupational organization could trigger savings when shopping for insurance.
• Auto/Life Discount – Some insurance companies give lower prices if you buy auto and life insurance together.
• Good Driver Discounts – Accident-free drivers can pay as much as 50% less for Viper insurance as compared to drivers with claims.
• Good Student Discount – A discount for being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.

As a footnote on discounts, many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

To see a list of insurers who offer online insurance quotes, click here.

Do car insurance companies bend the truth?

Drivers can’t get away from all the ads that claim the lowest auto insurance rates by State Farm, Geico and Progressive. They all seem to convey the message about how much you will save just by moving your coverage to them.

How does each company have lower policy pricing? You have to listen carefully.

Different companies have specific characteristics for the driver that earns them the highest profit. An example of a driver they prefer may need to be a mature driver, has no driving citations, and drives a vehicle with a low ISO rating. Someone that fits those parameters will get a cheap rate quote and have a good chance to save when switching.

Insureds who don’t measure up to the ideal profile will get more expensive rates and this results in business going elsewhere. The ad wording is “people who switch” not “all people who quote” save the amount stated. That’s the way insurance companies can confidently state the savings. Different companies use different criteria so it is so important to compare as many free auto insurance quotes as you can. It is impossible to predict which car insurance company will have the best prices.

Your auto insurance coverage should be tailored to you

When it comes to choosing coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.

• Do I pay less if my vehicle is kept in my garage?
• Does medical payments coverage apply to all occupants?
• What is the rate difference between pleasure use and commuting?
• Will I lose any money if I cancel my policy before it expires?
• Am I covered when driving on a suspended license?
• Are rental cars covered under my policy?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

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Auto insurance 101

Knowing the specifics of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability auto insurance – This will cover damage that occurs to other’s property or people. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, loss of income and court costs. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Collision coverage – Collision insurance pays for damage to your Viper resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a building, backing into a parked car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Viper.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, vandalism, a tree branch falling on your vehicle, damage from flooding and hail damage. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses such as prosthetic devices, dental work, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Saving money makes a lot of cents

A few companies may not have online quoting and usually these regional carriers prefer to sell through independent agents. Low-cost 1999 Dodge Viper insurance can be purchased from both online companies and from local insurance agents, so you need to compare both in order to have the best price selection to choose from.

In this article, we covered many tips how you can shop for 1999 Dodge Viper insurance online. The key thing to remember is the more quotes you get, the higher your chance of finding low cost auto insurance. Consumers may even find the best premium rates are with the least-expected company.

As you quote auto insurance, you should never reduce needed coverages to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the best price.

Much more information about auto insurance is located on the following sites:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Safe Vehicles for Teens (iihs.org)
• Safety Features for Your New Car (State Farm)
• State Laws for Cellphones and Texting (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)

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