Cheaper 2004 Dodge Viper Car Insurance Quotes

Trying to find lower insurance rates for your Dodge Viper? Are you a victim of an expensive insurance policy? Believe me, you’re not the only one. Companies like Progressive, Geico and Farmers Insurance all claim big savings, bombarding you with catchy ads and it can be hard to avoid their marketing magic and do the work needed to find the best deal.

You should make it a habit to get comparison quotes before your next renewal since insurance rates fluctuate regularly. Even if you got the best rate on Viper coverage last year you can probably find a lower rate today. Block out anything you think you know about insurance because we’re going to show you the proper way to save money, get proper coverage and the best rates.

Get lower-cost insurance coverage quotes with discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that can help lower your rates. Certain discounts will be triggered automatically when you complete an application, but a few need to be requested specifically before you will receive the discount.

• Service Members Pay Less – Having a family member in the military could qualify you for better rates.
• Defensive Driver – Taking a course in safe driver could cut 5% off your bill and easily pay for the cost of the class.
• 55 and Retired – Mature drivers can get better insurance coverage rates on Viper coverage.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Student Discount for Driver Training – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
• Sign Online – Some of the larger companies will discount your bill up to fifty bucks shop insurance coverage over the internet.
• No Claim Discounts – Drivers with accident-free driving histories pay much less when compared with policyholders that have many claims.
• Homeowners Discount – Just owning your own home can earn you a little savings since home ownership requires personal responsibility.
• Air Bags and Passive Restraints – Vehicles equipped with air bags can get savings of 20 to 30 percent.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you aren’t that lucky.

Popular insurance coverage companies and their possible discounts can be found below.

• Farmers Insurance includes discounts for multi-car, mature driver, youthful driver, alternative fuel, pay in full, and switch companies.
• Esurance offers discounts including anti-theft, good driver, online quote, emergency road assistance, and defensive driver.
• State Farm may offer discounts for defensive driving training, multiple policy, student away at school, accident-free, Steer Clear safe driver discount, good student, and safe vehicle.
• Geico has discounts for multi-policy, federal employee, five-year accident-free, military active duty, anti-lock brakes, and air bags.
• Allstate offers premium reductions for premier discount, multi-policy, passive restraint, good payer, 55 and retired, eSmart discount, and resident student.

It’s a good idea to ask every insurance company which discounts they offer. A few discounts may not apply to policyholders in every state.

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Free insurance coverage quotes

Comparing insurance coverage rates can be challenging if you don’t know the best way to get rate quotes. You can waste a few hours (or days) talking to local insurance agents in your area, or you can utilize the internet for quick rates.

Most major companies participate in an industry program that allows shoppers to enter their coverage request one time, and each company provides a quote. This system prevents you from having to do form submissions to each company.

To find out how much you’re overpaying now click to open in new window.

The only downside to comparing rates this way is you cannot specify which insurance companies to receive prices from. If you would rather choose specific insurance companies to request quotes from, we have a listing of low cost insurance coverage companies in your area. Click here to view list.

The method you choose is up to you, but be sure you’re using exactly the same coverage data for each price quote. If you use different values for each quote then you won’t be able to determine the lowest rate for your Dodge Viper.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions might help in determining whether you would benefit from an agent’s advice.

• Is my ex-spouse still covered by my policy?
• Am I covered if I hit a deer?
• Am I covered if I wreck a rental car?
• What are the best liability limits?
• What is high-risk coverage and where do I buy it?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Are all vehicle passengers covered by medical payments coverage?
• Is business property covered if stolen from my car?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Learn about auto insurance coverages for a Dodge Viper

Understanding the coverages of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by auto insurance companies.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, vandalism, falling objects and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

Liability coverage protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as medical services, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for things like doctor visits, rehabilitation expenses, surgery and EMT expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, sideswiping another vehicle, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

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A penny saved is a penny earned

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Cheaper insurance coverage can be bought online and with local insurance agents, so you need to shop insurance coverage with both to have the best selection. Some insurance providers may not have the ability to get quotes online and most of the time these regional insurance providers only sell through local independent agencies.

Even more information can be read by following these links:

• Auto Insurance Learning Center (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Safety Belts FAQ (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)

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