Lower Your 1996 Dodge Viper Car Insurance Cost

Nobody enjoys paying for auto insurance, especially knowing their premiums are through the roof.

Companies like Geico, 21st Century and Progressive increase brand awareness with catchy ads and it is challenging if not impossible to ignore the propoganda and find the best price available.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. Choosing the best insurance company for you is not that difficult. But drivers should learn how companies market insurance on the web and apply this information to your search.

How to save on Dodge Viper insurance

Car insurance can cost a lot, but companies offer discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be specially asked for in order for you to get them.

  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Viper coverage than drivers with accident claims.
  • Accident Free – Drivers with accident-free driving histories pay less when compared with frequent claim filers.
  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house shows financial diligence.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Low Mileage – Fewer annual miles on your Dodge can earn lower rates on the low mileage vehicles.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free insurance coverage policy, you won’t be that lucky. Any amount of discount will reduce your premiums.

A partial list of companies that may have some of the above discounts include:

Double check with each company which discounts they offer. Some discounts may not be available in your area.

Impacting insurance rates for a Dodge Viper

Smart consumers have a good feel for the rating factors that go into determining the price you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Listed below are some of the items used by your company to calculate your rates.

  • Pleasure use saves money – The more miles you rack up on your Dodge each year the more you will pay for car insurance. Most companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Viper can cost quite a bit. Verify your car insurance policy is rated on how each vehicle is driven.
  • Save money with special equipment – Owning a car with a theft deterrent system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • High deductibles save money – Your deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply would be colliding with a building, damage caused by hail, or theft. The more you are required to pay out-of-pocket, the bigger discount you will receive for Viper coverage.
  • Multi-policy discounts can save money – The majority of companies will give a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, you may still want to comparison shop to make sure you are getting the best deal. Consumers may find better rates by buying car insurance from a different company.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions might help in determining whether or not you will benefit from professional help.

  • Is my Dodge Viper covered if I use it for business?
  • What happens if I owe more than my 1996 Dodge Viper is worth?
  • Should I get collision insurance on every vehicle?
  • Is pleasure use cheaper than using my 1996 Dodge Viper to commute?
  • How much liability insurance is required?
  • I don’t drive much so do I pay less?
  • How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Slick advertising tricks that work

Companies like State Farm, Allstate and Geico constantly bombard you with television and radio advertisements. All the ads make an identical promise about savings if you switch your coverage to them. But how can every company make the same claim?

Different companies have a certain “appetite” for the right customer that earns them a profit. For example, a desirable insured could possibly be between the ages of 30 and 50, owns a home, and has a high credit rating. A propective insured who fits that profile will get the preferred rates and therefore will save quite a bit of money when switching.

Consumers who don’t measure up to the “perfect” profile will be charged a more expensive rate which leads to the driver buying from a lower-cost company. The ads say “customers that switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently state the savings.

That is why you should get as many quotes as possible. It’s just too difficult to predict which insurance coverage company will give you the biggest savings on Dodge Viper insurance.

What auto insurance coverages do you need?

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a bird, vandalism, damage from a tornado or hurricane, rock chips in glass and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

This coverage covers damage to your Viper caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses like nursing services, pain medications and doctor visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage


Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Get your money’s worth

We covered quite a bit of information on how to compare 1996 Dodge Viper insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with some of the smallest insurance companies. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.

Cheap insurance can be purchased from both online companies as well as from independent agents, so you should compare both so you have a total pricing picture. A few companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

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