Save on 2015 Dodge Viper Insurance Quotes

Want lower auto insurance rates for your Dodge Viper? Wish you could get a refund on an expensive auto insurance policy? You’re in good company because you’re not the only one.

Multiple car insurance companies compete to insure your vehicles, so it’s not easy to compare every company to find the absolute best rates possible.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Finding affordable coverage is easy if you know what you’re doing. But drivers must know how insurance companies sell online.

Insurance coverage quotes comparison

When looking for low cost auto insurance quotes, there are a couple ways of comparing rates from insurance coverage companies in your area. The simplest method to lower the rate you pay for 2015 Dodge Viper insurance is to perform an online rate comparison. This can be done using a couple different methods.

• The simplest way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This quick form eliminates the need for separate quote forms for every prospective company. Taking the time to complete one form will get you rate comparisons direct from many companies.
• A different way to find more affordable insurance is spending the time to visit the website for every company you want to comare and repeat the quote process. For examples sake, let’s assume you want to view quotes from Nationwide, Allstate and Geico. In order to get each rate, you would have to go to every website to enter your coverage information, which can take a lot of time.

  For a list of companies in your area, click here.

The method you choose is up to you, but make absolute certain that you use apples-to-apples coverages on every quote. If you use different liability limits you will not be able to determine which company has the best rates. Even a minor difference in limits may result in large price differences. And when comparing insurance coverage rates, know that comparing more quotes will enable you to find the best rates. Some regional insurers cannot provide online price quotes, so it’s necessary to compare price quotes from those companies as well.

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Insurance companies offer lots of discounts

Car insurance companies don’t list every available discount in an easy-to-find place, so here is a list both the well known as well as some of the hidden credits that you can use to lower your rates.

• Multi-policy Discount – When you have multiple policies and place coverage with the same company you will save at least 10 to 15 percent or more.
• Lower Rates for Military – Being deployed with a military unit could mean lower prices.
• Student in College – Kids living away from home attending college without a vehicle on campus could get you a discount.
• Early Payment Discounts – By paying your entire bill at once rather than paying monthly you could save 5% or more.
• Professional Organizations – Being in certain professional organizations could qualify you for a break when shopping for insurance.
• Own a Home – Owning your own home or condo can help you save on insurance because maintaining a house means you have a higher level of financial diligence.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Even though the math looks like you can get free auto insurance, companies don’t profit that way.

For a list of insurers that can offer you the previously mentioned discounts, click here.

Why you might pay higher rates

Multiple criteria are used when pricing auto insurance. Some are obvious such as your driving history, but other criteria are not as apparent like where you live or your commute time.

Listed below are just a few of the factors utilized by car insurance companies to help set prices.

• Incidental coverages that aren’t used – There are many extra bells and whistles you can purchase if you aren’t diligent. Coverages for vanishing deductibles, death and dismemberment, and motor club memberships are probably not needed. They may seem good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
• Gaps in coverage mean higher car insurance rates – Letting your insurance expire will be a guaranteed way to increase your car insurance rates. In addition to paying higher rates, not being able to provide proof of insurance could earn you a license revocation or jail time. You could then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Car insurance rates and age – Older insureds are viewed as being more responsible, statistically cause fewer accidents , and usually have better credit.Beginning drivers are known to be easily distracted when driving with friends therefore car insurance rates are much higher.
• Credit rating impacts rates – Having a bad credit history is likely to be a major factor in determining what you pay for car insurance. If your credit score could use some work, you could potentially save money when insuring your 2015 Dodge Viper by spending a little time repairing your credit. People that have very good credit scores tend to be better drivers and file fewer claims than those with poor credit.
• Amount of liability coverage – Liability insurance is the coverage that protects you when you are found to be at fault for an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
• Does insurance coverage cost more for men? – Over the last 30 years, statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men get in fender benders in similar numbers, but the males cause more damage. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI).
• Save by driving safer cars – Vehicles with good safety scores cost less to insure. Safer cars result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Dodge Viper scored at minimum four stars on Safercar.gov you may pay a lower rate.
• Increase comp and collision deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Dodge. Some coverage claims are a windshield shattered by a rock, hitting a deer, and rolling your vehicle. Physical damage deductibles state the amount of money you are willing to pay if you file a covered claim. The more the insured has to pay upfront, the better rate you will receive for Viper insurance.

Do I just need basic coverages?

When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For example, these questions could help you determine if your situation might need professional guidance.

• What is medical payments coverage?
• Can I make deliveries for my home business?
• Why am I required to buy high-risk coverage?
• When should I remove comp and collision on my 2015 Dodge Viper?
• How do I file an SR-22 for a DUI in my state?
• Are my friends covered when driving my car?
• Are my friends covered when driving my 2015 Dodge Viper?
• Should I rate my 2015 Dodge Viper as pleasure use or commute?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

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Information about specific coverages

Knowing the specifics of insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for expenses for things like chiropractic care, rehabilitation expenses, nursing services and surgery. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability insurance – This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like repair bills for other people’s vehicles, legal defense fees and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, vandalism and falling objects. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverages – Collision coverage pays for damage to your Viper resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, driving through your garage door, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Keep this in mind

We just covered many tips how you can shop for 2015 Dodge Viper insurance online. The most important thing to understand is the more you quote auto insurance, the better chance you’ll have of finding the cheapest auto insurance. Consumers may even find the best prices are with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and Geico.

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. In many instances, an insured dropped collision coverage only to discover later that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.

More detailed auto insurance information can be read in these articles:

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Think You’re a Safe Driver? (State Farm)
• Tread Depth and Tire Safety (State Farm)

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