Nobody likes having to buy insurance, especially when they are paying too much.
Many insurers compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive best rates possible.
Smart consumers take time to take a look at other company’s rates quite often due to the fact that insurance rates change frequently. If you had the best deal on Viper insurance a few years ago you can probably find a better price now. Starting now, block out anything you think you know about insurance because we’re going to show you the fastest way to find better rates and still maintain coverage.
There are several ways to shop for Dodge Viper insurance coverage, but some are less time-consuming than others. You could waste a few hours driving to agents in your area, or you can utilize the internet to get pricing more quickly.
Most car insurance companies take part in a program where insurance shoppers submit their information once, and each participating company can give them a price. This saves time by eliminating quotation requests for every insurance coverage company.
To submit your quote information now, click here to start a free quote.
The single downside to doing it this way is you are unable to specify which insurance companies you will receive quotes from. So if you want to select specific insurance companies to request quotes from, we put together a list of low cost insurance coverage companies in your area. Click here to view list.
However you get your quotes, compare the exact same information on every quote. If your comparisons have mixed coverages you can’t possibly make a fair comparison for your Dodge Viper. Quoting even small variations in limits may result in large price differences. It’s important to know that comparing a large number of companies provides better odds of finding a better price.
When it comes to buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions may help you determine if you would benefit from professional advice.
If you can’t answer these questions but you think they might apply to your situation, you might consider 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.
Knowing the specifics of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring. These are typical coverages found on most insurance policies.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Dodge Viper.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance kick in for bills for things like nursing services, chiropractic care, funeral costs, ambulance fees and prosthetic devices. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Liability car insurance
This provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability can pay for claims such as medical services, court costs, loss of income, funeral expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like hitting a deer, hail damage, hitting a bird and vandalism. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like sustaining damage from a pot hole, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.