Compare 1992 Dodge Viper Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Dodge Viper? Searching for the cheapest insurance for a new or used Dodge Viper can be an all-consuming task, but you can follow our auto insurance buying tips to save time.

There is a right way and a wrong way to find auto insurance online so we’re going to tell you the proper way to price shop coverage for your Dodge and locate the cheapest rates.

It’s a great practice to compare rates occasionally since rates are usually higher with each renewal. If you had the best rates for Viper insurance six months ago you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the tricks you need to know to find better coverage at a better price.

Save money by taking advantage of these discounts

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be requested specifically before you get the savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Early Signing – Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.
  • Homeowners Discount – Owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Student in College – Kids in college who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Save over 55 – Mature drivers can possibly qualify for a small decrease in premiums for Viper insurance.

It’s important to understand that most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will help reduce the cost of coverage.

To see a list of insurers with the best car insurance discounts, follow this link.

Low Cost Auto Insurance

Finding a lower price on 1992 Dodge Viper insurance can be surprisingly simple. Consumers just need to spend a few minutes comparing rate quotes online with multiple companies. This can be done using a couple different methods.

  • The first (and easiest) way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method eliminates the need for multiple quote forms for every auto insurance company. Completing one form will return quotes from multiple companies.It’s the quickest way to get rates.
  • A more difficult way to get quotes online requires visiting each company website and request a quote. For instance, we’ll pretend you want to compare USAA, Safeco and Travelers. You would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but make sure you use the exact same coverage limits on every quote you get. If you compare mixed coverages you will not be able to make a fair comparison for your Dodge Viper.

Why your Dodge Viper insurance rates may be high

It’s important that you understand the factors that help determine the price you pay for auto insurance. Understanding what impacts premium levels enables informed choices that can help you get better auto insurance rates.

  • Never let your coverage lapse – Letting your insurance expire will be a fast way to bump up your auto insurance costs. Not only will rates go up, failure to provide proof of insurance can result in a revoked license or a big fine.
  • Multi-policy discounts can save money – The majority of auto insurance companies give discounts to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to compare other company rates to make sure you are getting the best deal.
  • Lower miles equals lower premium – The more miles you rack up on your Dodge each year the more you’ll pay to insure your vehicle. Most companies apply a rate based on how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Viper can result in significantly higher rates.
  • Increase 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. A few examples of covered claims could be collision with another vehicle, vandalism, and rolling your vehicle. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The higher the amount you have to pay, the less your auto insurance will be for Viper insurance.
  • Choose a safe vehicle and save – Cars with high safety ratings get lower rates. Safe vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and thus lower rates. If your Dodge Viper has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • With age comes lower rates – Older drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Teenage drivers have a tendency to get distracted easily behind the wheel and because of this, their auto insurance rates are much higher.
  • Traffic citations inflate rates – Drivers with clean records receive lower rates than their less careful counterparts. Even a single speeding ticket may increase your cost twenty percent or more. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
  • Liability coverage protects you – Liability coverage will protect you if ever you are found to be at fault for damages from an accident. It provides legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.

When should I use an insurance agent?

When it comes to buying coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether or not you would benefit from professional advice.

  • Am I missing any policy discounts?
  • What exactly is covered by my policy?
  • Is my 1992 Dodge Viper covered for flood damage?
  • Is my Dodge Viper covered if I use it for business?
  • Does my 1992 Dodge Viper qualify for pleasure use?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does insurance cover tools stolen from my truck?
  • Should I buy more coverage than the required minimum liability coverage?
  • How much underlying liability do I need for an umbrella policy?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Insurance coverage specifics

Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills such as chiropractic care, EMT expenses, prosthetic devices and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.


Liability insurance can cover damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like structural damage, repair bills for other people’s vehicles, medical expenses, emergency aid and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Collision coverage protection

This coverage pays for damage to your Viper from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, hitting a parking meter and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Viper.

Since a lot of 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. Usually these coverages are set the same as your liablity limits.

At the end of the day…

People switch companies for a variety of reasons including unfair underwriting practices, not issuing a premium refund, being labeled a high risk driver and delays in responding to claim requests. Whatever your reason, choosing a new company is not as hard as you think.

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. In many cases, an accident victim reduced uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The aim is to get the best coverage possible for the lowest price while still protecting your assets.

Cheap 1992 Dodge Viper insurance can be found from both online companies and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some car insurance companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

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