2002 Dodge Viper Insurance Rates

Trying to find lower car insurance rates for your Dodge Viper? Are you kicking yourself for buying an underperforming, overpriced car insurance policy? Don’t sweat it because you’re not the only one. Companies like Geico, Progressive and Allstate all claim big savings with fancy advertisements and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you have a policy now or need a new policy, you can use these tips to find the best rates and still get good coverage. Choosing the best insurance company for you is not that difficult. Drivers only need to know the best way to get comparison quotes online.

Compare free auto insurance price quotes

Getting low cost 2002 Dodge Viper auto insurance pricing is a fairly straight forward process. The only requirement is to invest a little time comparing rate quotes to find out which insurance company has cheaper car insurance quotes. Shoppers can get rates by following the guidelines below.

Hands down the most simple method to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for separate quote forms to each individual auto insurance company. Completing one form gets you coverage quotes instantly.

Another way to shop for auto insurance online is spending the time to visit the website for each individual company and request a quote. For sake of this example, let’s assume you want comparison quotes from Progressive, Farmers and Travelers. To do that, you would have to visit each site and repeatedly enter your information, which explains why we recommend starting with the first method.

To view a list of companies in your area, click here.

However you get your quotes, compare the same coverage information with every price quote. If the quotes have different limits and deductibles on each one it’s not possible to truly determine the lowest rate.

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Find discounts on insurance

Companies offering auto insurance don’t always list every policy discount in a way that’s easy to find, so the following is a list of both well-publicized and the more hidden credits available to you. If they aren’t giving you every credit you qualify for, you are not getting the best rate possible.

• Discount for Low Mileage – Low annual miles could earn slightly better premium rates than normal.
• Organization Discounts – Being a member of qualifying employment or professional organizations is a good way to get lower rates when getting a car insurance quote.
• Defensive Driver Discounts – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount depending on where you live.
• Government Employee Discount – Having worked for a branch of the government can save as much as 8% for Viper coverage but check with your company.
• Policy Bundle Discount – If you can bundle your auto and home insurance with the same company you will save 10% to 20% off each policy.
• No Accidents – Claim-free drivers have much lower rates compared to insureds who have frequent claims or accidents.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

A few popular companies and some of the premium reductions they offer can be found below.

• State Farm includes discounts for passive restraint, anti-theft, Steer Clear safe driver discount, Drive Safe & Save, multiple autos, driver’s education, and good student.
• American Family has savings for multi-vehicle, accident-free, good student, defensive driver, and bundled insurance.
• Geico may offer discounts for membership and employees, military active duty, anti-theft, daytime running lights, anti-lock brakes, and five-year accident-free.
• 21st Century offers discounts for air bags, driver training, 55 and older, teen driver, and anti-lock brakes.
• Progressive may have discounts that include multi-vehicle, online quote discount, homeowner, online signing, multi-policy, and continuous coverage.

Before buying, ask each company or agent how many discounts you can get. Some of the discounts discussed earlier may not be offered in your state. If you would like to view companies who offer free insurance quotes, click this link.

Tailor your insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might help in determining if your insurance needs may require specific advice.

• What is an SR-22 filing?
• Is motorclub coverage worth it?
• How high should my medical payments coverage be?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered when delivering products for my home-based business?
• Can I afford to pay high deductible claims out of pocket?
• Does my policy cover me when driving someone else’s vehicle?
• Do I need replacement cost coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is my cargo covered for damage or theft?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Six tips to get cheaper insurance premiums

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that aid in calculating your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get much lower annual insurance costs. Lots of factors are considered when you quote your car insurance policy. Most are fairly basic like your driving record, but other factors are more obscure like your vehicle usage and annual miles driven.

• Lower miles equals lower premium – The more you drive your Dodge every year the higher your rate. Most insurance companies rate vehicles partially by how you use the vehicle. Cars not used for work or commuting can get a lower rate than those used for commuting. Make sure your auto insurance policy properly reflects the correct usage. A policy that improperly rates your Viper can result in significantly higher rates.
• Age of drivers – More experienced drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.Young drivers have a tendency to be inattentive and easily distracted when driving with friends so they pay higher auto insurance rates.
• Rates are affected by your address – Having an address in smaller towns and rural areas of the country can be a good thing if you are looking for the lowest rates. Drivers in populated areas have more traffic problems and much longer commute distances. Less people means a lower chance of having an accident.
• Lower rates for vehicles with better crash test results – Cars with five star safety ratings are cheaper to insure. These vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Dodge scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
• Certain jobs raise rates – Jobs such as fire fightersairline pilots and accountants usually pay higher rates than the rest of us in part from job stress and lengthy work days. Conversely, jobs like professors, engineers and the unemployed have lower than average premiums for Viper coverage.
• Better prices with anti-theft devices – Driving a car with advanced anti-theft systems can earn a premium discount. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft.

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Auto insurance coverages

Understanding the coverages of car insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average car insurance policy.

Uninsured and underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Viper.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for things like hospital visits, ambulance fees, surgery, doctor visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability

This coverage provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, legal defense fees, funeral expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage

This covers damage to your Viper resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, damage from getting keyed, rock chips in glass, fire damage and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Save your hard earned cash

Low-cost 2002 Dodge Viper insurance is available online and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide rates over the internet and usually these regional carriers sell through independent agents.

You just read a lot of information how to compare 2002 Dodge Viper insurance rates online. The key concept to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. Consumers may even find the lowest rates come from a small mutual company. These smaller insurers often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate and Progressive.

Helpful learning opportunities

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• What is Covered by GAP Insurance? (Allstate)

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