Looking for lower insurance rates for your Dodge Viper? Feel like you’re a prisoner to high-priced insurance? Believe me when I say there are lots of people in the same boat. Many insurers compete for your insurance dollar, and it can be difficult to compare rates to find the cheapest price
Most companies such as 21st Century, Allstate and State Farm give prices for coverage on the web. Obtaining pricing doesn’t take a lot of time as you just enter your coverage preferences as requested by the quote form. Once entered, the system gets your driving record and credit report and returns a price based on these factors. This makes it a lot easier to compare rates but the process of having to visit a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s absolutely necessary to get many rate quotes if you want to find the lowest insurance coverage rates.
The easy way to compare rates
The preferred way to compare insurance coverage pricing uses one form that gets prices from many companies. It’s a real time-saver, requires less work, and makes quoting online much easier to do. After sending your information, your coverage is rated and you can select any or none of the quote results.
If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It takes 15 minutes at the most and can result in significant savings.
If you want to compare rates now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you input the limits and deductibles as close as possible to your current policy. This guarantees you will receive rate comparison quotes based on similar coverages.
Insuring your fleet can be pricey, buy you may qualify for discounts that many people don’t even know exist. A few discounts will automatically apply at quote time, but less common discounts must be asked about before you will receive the discount. If you don’t get every credit available, you’re paying more than you need to.
It’s important to understand that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, you’re out of luck. Any amount of discount will bring down the cost of coverage.
Car insurance companies that may offer these money-saving discounts may include but are not limited to:
Double check with all companies you are considering what discounts are available to you. Savings may not be available in your area.
When choosing proper insurance coverage, there is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.
If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.
Learning about specific coverages of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most auto insurance policies.
UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they 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 have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Collision – This coverage covers damage to your Viper resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like crashing into a ditch, hitting a mailbox, sideswiping another vehicle, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.
Comprehensive or Other Than Collision – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as hitting a bird, hitting a deer, rock chips in glass and a tree branch falling on your vehicle. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability auto insurance – Liability coverage will cover damage or injury you incur to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims like legal defense fees, emergency aid, court costs, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as large an amount as possible.
Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for hospital visits, prosthetic devices, EMT expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Affordable 2016 Dodge Viper insurance can be bought both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where drivers have reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.