Lower Your 2017 Dodge Viper Insurance Rates

Looking for cheaper auto insurance rates for your Dodge Viper? No normal person likes having to buy auto insurance, particularly when they could get a better deal. Popular companies such as Allstate, Liberty Mutual and State Farm constantly blast consumers with ads and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

Consumers should take time to compare rates once or twice a year since prices are adjusted regularly by insurance companies. Just because you had the best price on Viper insurance at your last renewal the chances are good that you can find a lower rate today. You can search a lot of auto insurance online, but you can learn some solid techniques on how to lower your auto insurance bill.

More affordable rates by getting discounts

Insurance is expensive, but you may be missing some discounts that may help make it more affordable. Certain discounts will be triggered automatically at the time of quoting, but a few must be manually applied in order for you to get them.

• Senior Discount – Drivers over the age of 55 can possibly qualify for better insurance rates on Viper insurance.
• No Accidents – Drivers who stay claim-free can save substantially as opposed to frequent claim filers.
• Accident Forgiveness – Not really a discount, but companies like State Farm and Geico may permit one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
• Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a insurance quote.
• Discount for Home Ownership – Just being a homeowner may earn you a small savings because it demonstrates responsibility.
• Club Memberships – Joining a professional or civic organization is a good way to get lower rates on your policy.
• Safe Driver Discount – Insureds without accidents may receive a discount up to 45% on Viper insurance than drivers with accident claims.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. Just because you may think you can get free auto insurance, you’re out of luck.

A partial list of companies that possibly offer some of the above discounts include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

If you want inexpensive insurance quotes, ask each company what discounts are available to you. Some discounts listed above might not apply in your area.

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How to compare free auto insurance quotes

Shopping for lower auto insurance rates can be challenging if you don’t utilize the most efficient way. You can spend countless hours talking to agents in your area, or you could save time and use online quotes to maximize your effort.

Many popular insurance companies belong to a marketplace where insurance shoppers enter their coverage request one time, and every company returns a rated price for coverage. This eliminates the need for quote forms for each company you want a rate for.

To find out what other companies charge click here to start a free quote.

The only downside to doing it this way is that you can’t choose which insurance companies you will receive quotes from. If you would rather choose individual companies to compare rates, we have a page of companies who write auto insurance in your area. Click to view list.

Compare rates however you want, just try to use identical information for each comparison quote. If you have unequal deductibles or liability limits you can’t possibly make an equal comparison.

Your auto insurance coverage should be tailored to you

When it comes to choosing adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For example, these questions may help you determine whether you will benefit from professional help.

• Will filing a claim cost me more?
• How do I file an SR-22 for a DUI in my state?
• Is other people’s property covered if stolen from my vehicle?
• What are the financial responsibility laws in my state?
• Am I missing any policy discounts?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is my business laptop covered if it gets stolen from my vehicle?

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, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto liability insurance

This coverage can cover damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for 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. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like repair bills for other people’s vehicles, medical expenses, emergency aid and court costs. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, theft and falling objects. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This covers damage to your Viper from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, scraping a guard rail, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for ambulance fees, pain medications and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

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Compare but don’t skimp

When searching for the cheapest insurance quotes, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped collision coverage only to discover later that they should have had better coverage. The goal is to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.

Throughout this article, we presented many ideas to get a better price on 2017 Dodge Viper insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding cheap insurance. You may even find the best prices are with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.

Additional resources

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)

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