No one likes having to buy auto insurance, particularly when the price is too high.
Having so many insurance providers from which to choose, it can be hard to find the lowest cost insurer.
Car insurance companies do not list every discount very well, so we researched both the well known and also the lesser-known savings tricks you should be using.
Keep in mind that most discounts do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.
Insurance companies that may have some of the above discounts are:
It’s a good idea to ask each company how you can save money. Discounts might not apply in your area.
When buying the best insurance coverage coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions might point out whether you would benefit from professional advice.
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.
Having a good grasp of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.
This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like damage from getting keyed, a tree branch falling on your vehicle, hitting a bird, vandalism and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Med pay and PIP coverage provide coverage for expenses such as hospital visits, ambulance fees, EMT expenses, prosthetic devices and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage
This can cover damage that occurs to other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for things like emergency aid, medical services, medical expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Collision insurance covers damage to your Viper resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as damaging your car on a curb, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Affordable 1993 Dodge Viper insurance is available online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not offer online price quotes and these small, regional companies work with independent agents.
When shopping online for auto insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability coverage limits and learned later that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.
For more information, link through to the resources below: