1994 Dodge Viper Insurance Quotes

Trying to find cheaper insurance rates for your Dodge Viper? Nobody I know is fond of buying insurance, especially knowing they could find better prices if they shop around. Many car insurance companies vie for your business, so it’s not easy to compare every insurance company and get the definite lowest price

Consumers should take time to do rate comparisons on a regular basis since prices are constantly changing. Despite the fact that you may have had the lowest rate on Viper coverage six months ago there may be better deals available now. You can find a lot of misleading information regarding insurance online, but in a few minutes you can learn some great ideas on how to put money back in your pocket.

If you are insured now or are shopping for new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. Finding affordable coverage is not rocket science. Drivers just need to know the tricks to get comparison quotes over the internet.

The method we recommend to compare rate quotes is to know auto insurance companies will pay a fee to give rate comparisons. To begin a comparison, all you need to do is spend a couple of minutes providing details such as the type of vehicles you drive, how your vehicles are used, if it has an alarm system, and how many miles driven. Those rating factors is then sent to insurance companies and you should receive rate quotes very quickly.

Cheaper insurance quotes with discounts

Companies do not advertise every discount in a way that’s easy to find, so we researched both well-publicized and also the more inconspicuous savings tricks you should be using when you buy auto insurance online.

• Discount for Swiching Early – A few insurance companies give discounts for signing up prior to your current policy expiring. Ten percent is about the average savings.
• Accident Free – Insureds with no claims or accidents pay much less in comparison with accident-prone drivers.
• Multi-policy Discount – If you can combine your auto and home policy with one company you could earn a discount of over 10 percent off each policy depending on the company.
• New Vehicle Savings – Buying a new car model can be considerably cheaper compared to insuring an older model.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.

A little disclaimer on discounts, most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, that’s just not realistic.

Large insurance companies and some of their more popular discounts are shown below.

• Progressive has discounts for continuous coverage, homeowner, online quote discount, multi-policy, multi-vehicle, and online signing.
• AAA offers discounts for education and occupation, AAA membership discount, good driver, pay-in-full, good student, and anti-theft.
• Farmers Insurance includes discounts for bundle discounts, homeowner, switch companies, mature driver, and multi-car.
• Geico policyholders can earn discounts including military active duty, emergency military deployment, seat belt use, multi-vehicle, and daytime running lights.
• Esurance has savings for DriveSense, Pac-12 alumni, homeowner, online shopper, online quote, renters, and multi-car.
• SAFECO offers discounts including anti-lock brakes, safe driver, accident prevention training, multi-car, teen safe driver, and homeowner.
• State Farm offers premium reductions for passive restraint, student away at school, multiple autos, driver’s education, accident-free, good driver, and Steer Clear safe driver discount.

Before purchasing a policy, check with each insurance company to give you their best rates. Some of the discounts discussed earlier may not be offered in your area. To see a list of companies that offer the discounts shown above, click here.

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How do insurance companies determine Dodge Viper insurance prices?

Smart consumers have a good feel for a few of the rating criteria that help calculate insurance rates. If you understand what controls the rates you pay, this allows you to make good choices that may reward you with cheaper rates. Many factors are part of the calculation when pricing auto insurance. A few of the factors are predictable such as traffic violations, but others are more transparent such as whether you are married or your financial responsibility.

Shown below are a partial list of the pieces used by companies to determine your rate level.

• Don’t cut corners with liability – Liability insurance kicks in if ever a court rules you are at fault for personal injury or accident damage. This coverage provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
• Credit score impacts premium rates – Having a bad credit score can be a huge factor in determining your rates. Drivers with good credit tend to be less risk to insure than drivers with poor credit scores. So if your credit can be improved, you could be paying less to insure your 1994 Dodge Viper if you improve your credit rating.
• Good drivers pay the best prices – Being a careful driver influences premium rates substantially. Even a single citation may increase your cost by as much as twenty percent. Good drivers get better prices compared to bad drivers. Drivers who get serious violations such as reckless driving or DUI are required to submit a SR-22 form with their state motor vehicle department in order to prevent their license from being revoked.
• Premiums also based on gender – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Men and women have auto accidents at a similar rate, but males tend to have higher claims. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI.
• Is your vehicle theft-ready? – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft and help bring rates down.
• Only buy incidental coverages you need – Insurance policies have a lot of additional extra coverages that you can get tricked into buying if you aren’t diligent. Add-on coverages like vanishing deductibles, death and dismemberment, and term life insurance may be wasting your money. These coverages may sound good at first, but your needs may have changed so consider taking them off your policy.
• Put fewer miles on your vehicle – The higher the mileage driven in a year the higher the price you pay to insure it. Most companies rate vehicles based upon how you use the vehicle. Cars and trucks left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your vehicle rating reflects annual mileage, because it can save money. A policy that improperly rates your Viper may be costing you.
• Vocation stress can affect premiums – Did you know your occupation can influence how much you pay for insurance? Jobs like real estate brokersairline pilots and dentists tend to have higher average rates in part from job stress and lots of time spent at work. On the other hand, professions such as scientists, engineers and homemakers get better rates on Viper coverage.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique so your insurance needs to address that. For example, these questions can help discover if you will benefit from professional help.

• Why do I need rental car insurance?
• What is the minimum liability in my state?
• Do I need replacement cost coverage?
• Does my car insurance cover rental cars?
• Does coverage extend to a rental car in a foreign country?
• Does coverage extend to my business vehicle?
• Do I have coverage when using my vehicle for my home business?
• When do I need to add a new car to my policy?
• Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions, then you may want to think about 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. It is quick, free and can help protect your family.

Can you really save if you switch?

Drivers can’t ignore all the ads for the lowest price car insurance by 21st Century, Allstate and State Farm. All the ads have a common claim that drivers will save a bundle after switching your policy.

That’s great but how can every company give you a lower rate? Just pay attention to how they say it.

All companies have underwriting criteria for the type of customer that earns them the highest profit. For example, this type of insured could be over the age of 35, has a low-risk occupation, and drives a lower-performance vehicle. Anybody that matches those criteria will get the preferred auto insurance rates and is almost guaranteed to save money with a new company.

Insureds who don’t measure up to the “perfect” profile will see a higher rate and ends up with the customer buying from someone else. The wording the ads use say “people that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why companies can make those statements. Each company has different criteria, so drivers must do a rate comparison at every renewal. Because you never know the company that will provide you with the cheapest prices.

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Insurance specifics

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Collision coverage protection

This pays for damage to your Viper resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building, hitting a parking meter, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your 1994 Dodge Viper.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like hospital visits, surgery, funeral costs, chiropractic care and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage can cover damage that occurs to other’s property or people. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

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

Liability insurance covers claims like attorney fees, court costs, legal defense fees and medical services. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as rock chips in glass, theft and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

In conclusion

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced collision coverage to discover at claim time that it was a big error on their part. Your aim should be to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

Some insurance companies may not offer online quoting small, regional companies sell through independent agents. Low-cost 1994 Dodge Viper insurance is definitely available both online in addition to local insurance agencies, so compare prices from both in order to have the best chance of saving money.

Additional information is available at the links below

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Understanding Limits and Deductibles (Allstate)
• Learn About Car Insurance (Geico)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)

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