Cheap 1993 Dodge Viper Car Insurance Rates

Comparing insurance coverage quotes online may appear to be difficult at first if you are one of the many people new to quoting online. But don’t just give up because comparing quotes is actually very simple.

First Step: Get free insurance quotes

There are several ways you can shop for insurance and some are less time-consuming than others. You could spend the better part of a day driving to agents in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many of the larger companies participate in an industry program that enables customers to complete one form, and every company provides a quote. This system prevents you from having to do quote forms for each company you want a rate for.

To get comparison pricing now click here to open in new window.

One minor caviat to comparing rates this way is that you can’t choose which providers to get quotes from. If you prefer to choose individual companies for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you use apples-to-apples coverage data for each price quote. If your comparisons have unequal deductibles or liability limits it will be impossible to make a fair rate comparison. Just slight variations in limits could skew the results. Keep in mind that making a lot of price comparisons will enable you to find the best offered rates. Some smaller insurers to not give online quotes, so you should also compare quotes on coverage from those companies, too.

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Take advantage of with these discounts

Car insurance is easily one of your largest bills, but you can get discounts that you may not even know about. A few discounts will automatically apply at the time you complete a quote, but some discounts are required to be requested specifically before they will apply.

• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save a little on the medical payments or PIP coverage costs.
• No Claims – Insureds who avoid accidents and claims get the best car insurance rates in comparison with accident-prone drivers.
• Multi-line Discount – Larger insurance carriers have a discount if you purchase auto and life insurance together.
• Discounts for Multiple Vehicles – Insuring all your vehicles on one policy qualifies for this discount.
• Air Bag Discount – Factory air bags and/or automatic seat belt systems could see savings of 25 to 30%.
• Homeowners Discount – Just owning your own home may trigger a policy discount on car insurance because it is proof of financial responsibility.
• Senior Citizen Rates – Mature drivers may qualify for a small discount on rates on Viper insurance.
• Defensive Driving Course – Taking part in a defensive driver course could cut 5% off your bill if your company offers it.

Please keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. So even though you would think you would end up receiving a 100% discount, it’s just not the way it works.

A list of car insurance companies and some of the discounts can be read below.

• Travelers may include discounts for multi-policy, home ownership, multi-car, new car, payment discounts, and continuous insurance.
• 21st Century may have discounts that include good student, homeowners, driver training, theft prevention, student driver, teen driver, and anti-lock brakes.
• State Farm offers discounts for driver’s education, multiple policy, Drive Safe & Save, multiple autos, passive restraint, and Steer Clear safe driver discount.
• Geico has savings for anti-theft, five-year accident-free, air bags, military active duty, anti-lock brakes, defensive driver, and driver training.
• SAFECO discounts include homeowner, teen safety rewards, bundle discounts, anti-lock brakes, safe driver, and drive less.
• AAA offers premium reductions for AAA membership discount, pay-in-full, education and occupation, multi-policy, good driver, and good student.

Before purchasing a policy, check with each company which discounts you may be entitled to. Discounts might not be available to policyholders in your area. To see a list of insurers with discount car insurance rates, click here.

Your situation helps dictate your coverage

When buying the best auto insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining if you will benefit from professional help.

• I don’t drive much so do I pay less?
• Can my teen drive my company car?
• Am I covered when driving in Canada or Mexico?
• What is covered by UM/UIM coverage?
• What is high-risk coverage and where do I buy it?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• How much liability coverage do I need in my state?
• Is my teenager covered with friends in the car?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Insurance price influencing factors

Lots of things are part of the equation when quoting car insurance. Some are pretty understandable such as your driving record, but other factors are not as apparent such as your marital status or how safe your car is.An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating the price you pay for insurance coverage. If you have a feel for what determines base rates, this allows you to make educated decisions that may result in much lower annual insurance costs.

The factors shown below are some of the major factors insurance coverage companies consider when setting premiums.

• Teenagers are high risk – Older, more experienced drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets.Teen drivers have been known to get distracted easily when driving and because of this, their insurance coverage rates are much higher.
• Car insurance liability protection limits – Your insurance coverage policy’s liability coverage will afford coverage when you are ruled to be at fault for damages from an accident. Liability provides legal defense coverage starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
• Do you really need the extra policy coverages? – There are a lot of add-on coverages that can add up but may not be useful. Coverages for coverage for rental cars, death and dismemberment, and extra life insurance coverage are examples of these. They may sound like good ideas when buying your policy, but if you’ve never needed them in the past remove them and pocket the money.
• Men tend to take more risk – Over the last 30 years, statistics show that females tend to be a little less risky than males. It does not mean males are worse at driving than females. Women and men get in fender benders at about the same rate, but the male of the species get into accidents with more damage. In addition to higher claims, males also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers cause the most accidents and are penalized with high insurance coverage rates.
• High physical damage deductibles save money – Protection for physical damage, also called ‘full coverage’, is used to repair damage to your vehicle. Examples of covered claims could be collision with another vehicle, collision with an animal, and burglary. Comp and collision deductibles state the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. The more the insured is willing to pay, the less money you will pay for insurance coverage on Viper insurance.

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Detailed coverages of your insurance policy

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision – This covers damage to your Viper resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Dodge Viper.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverages – Liability insurance protects you from damage that occurs to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like repair costs for stationary objects, pain and suffering, legal defense fees, funeral expenses and loss of income. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses for things like prosthetic devices, funeral costs, doctor visits and chiropractic care. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, hitting a bird and rock chips in glass. The most 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.

The best insurance company isn’t always the cheapest

Cost effective 1993 Dodge Viper insurance is available both online as well as from independent agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and usually these regional insurance providers only sell through independent agents.

When getting insurance coverage quotes online, never buy less coverage just to save a little money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The goal is to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

People switch companies for any number of reasons including not issuing a premium refund, questionable increases in premium, an unsatisfactory settlement offer and even policy non-renewal. Whatever your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Helpful information

• Distracted Driving (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Prom Night Tips for Teen Drivers (State Farm)

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