View 1998 Dodge Viper Insurance Quotes

Trying to find the cheapest insurance rates? Buyers have a choice when searching for affordable Dodge Viper insurance. They can either spend hours calling around to compare prices or use the internet to get rate quotes. There is a better way to shop for insurance so we’re going to tell you the proper way to price shop coverage for a Dodge and find the lowest price from local insurance agents and online providers.

If you are insured now or are shopping for new coverage, you can use this information to shop for the lowest rates and possibly find even better coverage. The purpose of this post is to teach you the best way to quote coverages. Drivers just need to know the proper way to compare prices over the internet.

What determines your Dodge Viper insurance premium

It’s important that you understand the rating factors that play a part in calculating the price you pay for insurance. Understanding what influences your rates helps enable you to make changes that could result in better insurance rates.

Shown below are some of the factors that factor into premiums.

  • Lower rates with optional equipment – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Teen drivers pay high rates – Older insureds are more responsible, tend to file fewer claims and get fewer tickets. Teenage drivers are known to be careless and easily distracted when behind the wheel therefore insurance rates are much higher.
  • Do you work long hours in a high stress job? – Careers like lawyers, business owners and financial analysts are shown to have higher average rates in part from high stress and lengthy work days. Conversely, professions such as actors, engineers and the unemployed pay the least for Viper insurance.
  • Discounts for married couples – Being married helps lower the price on your insurance policy. Having a spouse is viewed as being more mature and it’s statistically proven that being married results in fewer claims.
  • Rural vs Urban Areas – Choosing to live in a small town has it’s advantages when talking about insurance. Drivers in populated areas tend to have congested traffic and longer commutes to work. Less people living in that area means reduced accidents and a lower car theft rate.

How to Get Car Insurance

Most major insurance companies allow you to get coverage price quotes on their websites. Obtaining pricing is fairly straightforward as you simply type in your personal and coverage information as requested by the quote form. After the form is submitted, their system obtains your credit score and driving record and returns a price based on these and other factors.

Online quotes makes it a lot easier to compare rates but the time it takes to visit many different websites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you are searching for the lowest price.

The preferred way to get multiple rate quotes requires only one form that analyzes rates from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much more enjoyable and efficient. After sending the form, your coverage is rated and you can select any or none of the quote results. If a lower price is quoted, you can simply submit the application and purchase the new policy. This process just takes a couple of minutes and you will find out if you’re overpaying now.

To quickly compare rates using this form now, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you complete the form with your coverages as shown on your current policy. This helps ensure you will have rate quotes using the exact same coverages.

Can switching companies really save?

Consumers constantly see and hear ads for cheaper car insurance from the likes of GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you move your coverage to them.

How does each company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of customer that makes them money. For example, a preferred risk could be between the ages of 30 and 50, has no tickets, and drives newer vehicles. Any driver that hits that “sweet spot” will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t qualify for the “perfect” profile must pay higher rates which leads to the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can advertise the way they do. This illustrates why you absolutely need to get a wide range of price quotes. It’s not possible to predict the company that will have the lowest Dodge Viper insurance rates.

More discounts equal less premium

Auto insurance companies don’t list every discount very well, so here is a list both the well known as well as the least known savings tricks you should be using. If you don’t get every credit available, you are throwing money away.

  • New Vehicle Savings – Insuring a new car can save up to 30% since new cars are generally safer.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Viper insurance with select insurance companies.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Seat Belts Save – Requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Senior Discount – Mature drivers can possibly qualify for a small decrease in premiums for Viper insurance.
  • Drivers Ed for Students – Have your child complete a driver education course in high school.
  • Homeowners Discount – Owning a home may trigger a auto insurance policy discount because owning a home demonstrates responsibility.
  • No Accidents – Drivers who don’t have accidents can save substantially compared to frequent claim filers.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could save 5% or more if your company offers it.

Consumers should know that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, auto insurance companies aren’t that generous.

For a list of providers who offer auto insurance discounts, follow this link.

It’s not one size fits all

When it comes to choosing adequate coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether you would benefit from professional advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have health insurance so do I need medical payments coverage?
  • Can my teen drive my company car?
  • How do I insure my teen driver?
  • Should I have a commercial auto policy?
  • What is UM/UIM insurance?
  • Do I need motorclub coverage?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance coverage specifics

Having a good grasp of a auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people, 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 commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims such as legal defense fees, bail bonds, funeral expenses, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses for EMT expenses, surgery and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision insurance covers damage to your Viper resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, damage from getting keyed, damage from a tornado or hurricane and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Buy online or local, you save

In this article, we presented a lot of ways to shop for 1998 Dodge Viper insurance online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from a smaller regional carrier.

Cheap insurance can be sourced from both online companies and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some auto insurance companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, never reduce needed coverages to save money. There have been many cases where someone sacrificed liability limits or collision coverage and learned later that they should have had better coverage. The aim is to purchase a proper amount of coverage at the best price.

Additional information