Compare 2006 Dodge Viper Car Insurance Quotes

Have you fallen victim to an underperforming, overpriced insurance policy? Trust us when we tell you many consumers feel financially strained by their insurance policy. Online insurance companies like State Farm, Farmers Insurance, Geico and Allstate persitently shower you with advertising and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

Smart consumers take time to check insurance prices before your policy renews because rates fluctuate regularly. Even if you got the best deal for Viper coverage last year you can probably find a better price now. You can find a lot of misleading information regarding insurance on the web, but I’m going to show you some good information on how to slash your insurance rates.

If you have insurance now or need new coverage, you can use these tips to cut your premiums while maximizing coverage. Finding the best rates is not rocket science. Drivers only need to know the proper way to compare rates over the internet.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t always publicize all their discounts in a way that’s easy to find, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Low Mileage – Fewer annual miles on your Dodge can earn discounted rates on garaged vehicles.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. This discount can apply up to age 25.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Passive Restraints – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Defensive Driver – Taking a course in driver safety could cut 5% off your bill if you qualify.
  • Accident Free – Good drivers with no accidents pay less as compared to bad drivers.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Viper coverage than drivers with accidents.

It’s important to understand that most discounts do not apply the the whole policy. Some only reduce specific coverage prices like comp or med pay. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

Insurance companies that may have some of the above discounts may include but are not limited to:

Check with all companies you are considering which discounts they offer. All car insurance discounts might not be offered in every state.

Free Auto Insurance Quotes

Reducing your 2006 Dodge Viper insurance rates is not a difficult process. Just invest a few minutes to compare rate quotes provided by online insurance companies. This is very easy and can be done in several different ways.

The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing repetitive form submissions for each company you want a rate for. Taking the time to complete one form will return quotes from all major companies.

A more time consuming way to find lower rates consists of visiting each individual company website and complete a new quote form. For examples sake, let’s assume you want to compare rates from Geico, Farmers and Allstate. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why most consumers use the first method.

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

The hardest method of comparing rate quotes is to drive around to local insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless you have a need for the trained guidance of a local agent. You can, however, compare online quotes and get advice from an agent in your area and we’ll cover that in a bit.

However you get your quotes, ensure you are comparing identical coverages and limits for every company. If you use different values for each quote you will not be able to make a fair comparison for your Dodge Viper.

Complexity of Dodge Viper insurance rates

An important part of buying insurance is that you know the rating factors that come into play when calculating the rates you pay for insurance. Understanding what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

The list below includes a partial list of the pieces that factor into prices.

  • Your occupation can affect rates – Occupations like doctors, architects and accountants have higher rates than average attributed to high stress and long work days. On the flip side, occupations like pilots, athletes and retirees get better rates for Viper coverage.
  • Pay less after the wedding – Getting married can actually save you money when buying insurance. It means you’re more mature and responsible and statistics show being married results in fewer claims.
  • Never go without insurance – Having an insurance coverage lapse is a fast way to trigger a rate increase. And not only will your rates increase, getting caught without coverage may earn you a hefty fine and possibly a revoked license.You may then be required to file a SR-22 with your state department of motor vehicles.
  • Safer cars cost less to insure – Vehicles with high crash test scores get lower rates. Safer cars protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Dodge earned at least four stars on it is probably cheaper to insure.
  • Do men or women drive better? – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. They both cause accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations like DUI and reckless driving.
  • Bump up deductibles to save – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Dodge. Examples of covered claims are colliding with a building, vandalism, or theft. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The more money you’re willing to pay, the less your company will charge you for insurance for Viper coverage.

Car insurance is unique, just like you

When choosing the best car insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions could help you determine if you may require specific advice.

  • Should I waive the damage coverage when renting a car?
  • What if I don’t agree with a claim settlement offer?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when pulling a rental trailer?
  • Is business equipment covered while in my vehicle?
  • Do I need higher collision deductibles?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Auto insurance myths debunked

Drivers can’t get away from ads for cheaper car insurance from the likes of Allstate, Geico and Progressive. All the ads say the same thing that you can save after switching your coverage to them.

How does each company say the same thing? This is how they do it.

All companies have a preferred profile for the driver that makes them money. An example of a profitable customer could possibly be a mature driver, has no prior claims, and drives newer vehicles. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who don’t meet the “perfect” profile will be quoted more money which leads to the customer not buying. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That is how companies can state the savings. This emphasizes why you should get a wide range of price quotes. It’s just too difficult to predict the company that will have the lowest Dodge Viper insurance rates.

What insurance coverages do you need?

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Viper.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverage protection

Collision coverage pays for damage to your Viper resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, damaging your car on a curb, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like nursing services, hospital visits and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, theft, hitting a bird and falling objects. The maximum 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 not worth carrying full coverage.

Liability coverage

This can cover damage that occurs to other people or property. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like repair bills for other people’s vehicles, medical expenses, loss of income, court costs and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Knowledge is power

In this article, we presented quite a bit of information on how to compare 2006 Dodge Viper insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the best prices are with the smaller companies. These companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive and Geico.

Lower-priced insurance can be found from both online companies in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

Other resources