2009 Dodge Viper Car Insurance Cost – 9 Tips for Cheaper Prices

Trying to find the cheapest auto insurance rates for your Dodge Viper? Are you sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as many other drivers. There is such a variety of auto insurance companies to pick from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to compare rates and cut insurance costs.

You should make it a habit to price shop coverage occasionally due to the fact that insurance rates change frequently. Even if you think you had the best price for Viper coverage last year there is a good chance you can find better rates now. There is too much inaccurate information about auto insurance online, so by reading this article, you’re going to learn a lot of great tips on how to buy auto insurance cheaper.

You probably qualify for some discounts

Companies don’t list all their discounts in a way that’s easy to find, so here is a list some of the more common and the harder-to-find ways to save on insurance coverage. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Accident Forgiveness – Some insurance companies allow you one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • New Car Discount – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings on insurance coverage for Viper coverage.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because maintaining a house requires personal responsibility.
  • 55 and Retired – Mature drivers may be able to get reduced rates for Viper coverage.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.

Drivers should understand that most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

Companies who might offer some of the above discounts include:

Before buying, ask each insurance company how you can save money. Savings might not apply in your state.

The quickest method to compare car insurance company rates is to understand most larger insurance companies participate in a system to compare rate quotes. The only thing you need to do is provide a small amount of information such as whether or not you need a SR-22, your occupation, your education level, and any included safety features. That rating data is instantly sent to insurance carriers in your area and they return cost estimate quickly.

There’s no such thing as the perfect policy

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions could help you determine if your situation may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • Is business property covered if stolen from my car?
  • Is upholstery damage covered by car insurance?
  • Do I need replacement cost coverage?
  • Do I need rental car coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • What is an SR-22 filing?
  • What is roadside assistance coverage?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Is there truth in advertising?

Consumers constantly see and hear ads that promise big savings by Allstate, Geico and Progressive. They all have a common claim of big savings if you switch to their company.

How can each company make the same claim?

Different companies are able to cherry pick for the type of customer that earns them a profit. An example of a desirable insured could be over the age of 50, has no driving citations, and drives newer vehicles. A customer who meets those qualifications receives the best rates and as a result will probably save when switching.

Potential insureds who fall outside the requirements will be charged higher premiums and this can result in the customer not buying. The ads say “customers that switch” not “people who quote” save that kind of money. That’s why insurance companies can claim big savings. That is why drivers should compare as many rates as you can. It’s not possible to predict the company that will give you the biggest savings on Dodge Viper insurance.

Coverages available on your policy

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.

Liability coverages

This coverage can cover damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, medical services, repair costs for stationary objects, legal defense fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a deer, damage from getting keyed and damage from a tornado or hurricane. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage covers damage to your Viper resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, backing into a parked car, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Viper.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses like pain medications, EMT expenses and chiropractic care. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

At the end of the day…

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. In many cases, someone sacrificed uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the best price, not the least amount of coverage.

You just read many tips how you can shop for 2009 Dodge Viper insurance online. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

The cheapest insurance is definitely available on the web in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

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