Cheaper 2000 Dodge Viper Insurance Rates

Trying to find lower insurance rates? Buyers have lots of choices when searching for the lowest priced Dodge Viper insurance. You can either waste hours struggling with agents to compare prices or save time using the internet to get rate quotes. There are more efficient ways to find insurance online so we’re going to tell you the best way to compare rates for a Dodge and locate the cheapest rates from both online companies and local agents.

How to Compare Car Insurance Rates

Finding lower car insurance rates can be surprisingly simple. The only thing you need to do is spend a few minutes comparing price quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The fastest way consumers can analyze rates is a comparison rater form (click to open form in new window). This form prevents you from having to do separate forms to each individual car insurance company. Taking the time to complete one form will get you rate comparisons from multiple companies. This is by far the quickest method.
  2. Another way to get comparison quotes is spending the time to visit each company website and complete a new quote form. For sake of this example, we’ll pretend you want to compare rates from GEICO, Esurance and Progressive. You would have to go to every website and enter your information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The hardest method of comparing rate quotes is to drive around to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional advice only provided by licensed agents. However, consumers can obtain prices from the web and get advice from an agent in your area and you’ll learn how to do that later.

It’s up to you which method you use, but ensure you are comparing identical coverage limits with every price quote. If you use different limits and deductibles on each one you can’t possibly find the best deal for your Dodge Viper.

Save on 2000 Dodge Viper insurance

Companies that sell car insurance don’t necessarily list every available discount very well, so here is a list both the well known and the more hidden discounts you could be receiving. If you don’t get every credit possible, you are throwing money away.

  • Auto/Home Discount – If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
  • Homeowners Pay Less – Owning a house may earn you a small savings because owning a home requires personal responsibility.
  • 55 and Retired – Older drivers can possibly qualify for a discount up to 10% for Viper coverage.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save 5% or more.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

Insurance companies that may offer these discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. All car insurance discounts might not apply in your area.

Your Dodge Viper insurance rate is a complex equation

Consumers need to have an understanding of the factors that help determine your insurance coverage rates. Knowing what impacts premium levels allows you to make educated decisions that can help you get big savings.

The following are a partial list of the pieces companies use to determine your rates.

  • Pleasure use or commuting – The more miles you rack up on your Dodge every year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your insurance coverage policy properly reflects how each vehicle is driven. Incorrect usage on your Viper may be costing you.
  • Battle of the sexes – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes cause accidents in similar numbers, but the males cause more damage. They also receive more costly citations such as reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • You might want pay the small claims yourself – Auto insurance companies give better rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect higher rates. Car insurance is designed for major claims that would cause financial hardship.
  • Do you qualify for a multi-policy discount? – Some insurance companies provide better rates to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even with this discount, you may still want to compare rates to make sure you are getting the best deal.
  • How credit affects insurance coverage rates – Your credit rating is a huge factor in calculating your insurance coverage rates. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit ratings. Therefore, if your credit score can use some improvement, you could be paying less to insure your 2000 Dodge Viper by spending a little time repairing your credit.
  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings get lower rates. Safer cars protect occupants better and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Dodge Viper earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions could help you determine if your insurance needs may require specific advice.

  • When can my company non-renew my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Are my friends covered when driving my 2000 Dodge Viper?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does car insurance cover theft of personal property?
  • Is other people’s property covered if stolen from my vehicle?
  • When would I need additional glass coverage?
  • Is my teenager covered with friends in the car?
  • Does my medical payments coverage pay my health insurance deductible?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Car insurance coverage basics

Knowing the specifics of car insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants 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. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability insurance

This coverage provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like repair costs for stationary objects, emergency aid and court costs. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses for funeral costs, dental work, doctor visits and chiropractic care. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage pays for damage to your Viper caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sustaining damage from a pot hole, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, vandalism and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

More effort can pay off

Budget-conscious 2000 Dodge Viper insurance can be found from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

In this article, we presented a lot of tips how to get a better price on insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may even find the lowest premiums are with a small local company.

Drivers leave their current company for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, extreme rates for teen drivers and high prices. Regardless of your reason for switching companies, finding a great new company is less work than it seems.

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