2017 Dodge Viper Car Insurance Quotes

Looking for lower car insurance rates for your Dodge Viper? Wish you could get out of an expensive car insurance policy? Believe me, there are lots of people in the same boat. There are many car insurance companies to pick from, and although it’s nice to have a choice, so many choices can make it hard to compare rates and cut insurance costs.

You should make it a habit to quote other rates once or twice a year since insurance prices tend to go up over time. Despite the fact that you may have had the best rate on Viper insurance two years ago you will most likely find a better premium rate today. Ignore everything you know about car insurance because it’s time to teach you how to use online quotes to lower your annual insurance bill.

Buying car insurance is not rocket science. If you are insured now or need new coverage, you can use these tips to reduce the price you pay and possibly find even better coverage. Vehicle owners just need to know how to compare rates over the internet.

How car insurance companies determine Dodge Viper insurance rates

Smart consumers have a good feel for some of the things that are used to determine the price you pay for insurance coverage. When you understand what controls the rates you pay, this allows you to make good choices that can help you get big savings.

  • Insurance prices and driver gender – Statistics show that females tend to be a little less risky than males. Now that doesn’t mean females are better at driving than males. Females and males tend to get into at-fault accidents in similar percentages, but the men tend to have higher claims. They also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Can a thief steal your car? – Selecting a car model that has a built-in theft deterrent system can help lower your rates. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.
  • Incidental coverages push up premiums – There are a ton of optional add-on coverages you can purchase if you aren’t careful. Things like rental car reimbursement, accident forgiveness, and extra life insurance coverage are examples of these. The coverages may be enticing when you first buy your policy, but if you don’t need them get rid of them and save.
  • Lower rates by increasing deductibles – The deductibles define the amount you are willing to pay out-of-pocket if a covered claim is submitted. Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of covered claims are colliding with a stationary object, animal collisions, or theft of your vehicle. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be on Viper insurance.
  • Safeguard your assets with liability – A critical coverage on your policy, liability insurance is the coverage that protects you if you are found to be at fault for personal injury or accident damage. Your liability coverage provides you with a defense in court which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Your vocation can affect rates – Do you work in a high-stress field? Careers like doctors, architects and accountants have the highest rates because of intense work requirements and lots of time spent at work. Other professions such as farmers, students and the unemployed receive lower rates on Viper insurance.

Buy car insurance online

Shopping for lower car insurance rates can be exhausting if you don’t know the most efficient way to do it. You can waste a lot of time discussing policy coverages with agents in your area, or you can stay home and use the internet to quickly compare rates.

Most of the best insurance companies take part in a program where insurance shoppers complete one form, and each participating company can provide price quotes. This prevents consumers from doing quote forms to each company.

To compare rates using this form now click here to start a free quote.

The single downside to doing it this way is you cannot specify which providers to get pricing from. So if you want to select individual companies to receive pricing from, we have a listing of companies who write car insurance in your area. Click to view list.

Whichever method you choose, make sure you use identical coverages and limits on every quote you get. If you compare higher or lower deductibles it will be impossible to determine the best price for your Dodge Viper.

Car insurance policy discounts you can’t miss

Companies offering auto insurance don’t always advertise the complete list of policy discounts in an easy-to-find place, so we break down both the well known and the more hidden car insurance savings.

  • Own a Home and Save – Owning a house can get you a discount since home ownership shows financial diligence.
  • Multiple Cars – Purchasing coverage when you have all your vehicles on one policy can reduce rates for all insured vehicles.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Waiver for an Accident – This one isn’t a discount, but companies like Allstate, State Farm and Geico will allow you to have one accident without the usual rate increase if your claims history is clear prior to the accident.
  • Discounts for Federal Employees – Federal government employees could provide a small rate reduction on Viper insurance with some car insurance companies.
  • Pay Early and Save – If paying your policy premium upfront instead of making monthly payments you may have a lower total premium amount.

Just know that some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though you would think you can get free auto insurance, that’s just not realistic. Any amount of discount will lower the amount you pay for coverage.

The best car insurance companies and a selection of discounts are outlined below.

  • State Farm includes discounts for driver’s education, good student, Steer Clear safe driver discount, accident-free, multiple policy, and multiple autos.
  • American Family may include discounts for Steer into Savings, mySafetyValet, good driver, multi-vehicle, TimeAway discount, and good student.
  • AAA offers premium reductions for AAA membership discount, multi-policy, good driver, education and occupation, pay-in-full, and anti-theft.
  • Geico may offer discounts for anti-lock brakes, military active duty, good student, multi-vehicle, multi-policy, and emergency military deployment.
  • Mercury Insurance offers discounts including age of vehicle, annual mileage, type of vehicle, ease of repair, accident-free, and location of vehicle.
  • Farmers Insurance has discounts for homeowner, electronic funds transfer, multi-car, switch companies, youthful driver, early shopping, and pay in full.
  • Progressive policyholders can earn discounts including homeowner, multi-policy, online signing, multi-vehicle, and good student.

If you want cheap insurance coverage quotes, ask each company which discounts you may be entitled to. Some credits might not be available to policyholders everywhere. If you would like to view insurance companies that have a full spectrum of discounts, click here.

Insurance agents can help

When buying proper insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help you determine if your situation may require specific advice.

  • Do I need an umbrella policy?
  • When should I remove comp and collision on my 2017 Dodge Viper?
  • Does my 2017 Dodge Viper qualify for pleasure use?
  • Will filing a claim cost me more?
  • When do I need to add a new car to my policy?
  • Is my 2017 Dodge Viper covered for flood damage?
  • What is covered by UM/UIM coverage?
  • Do I benefit by insuring my home with the same company?
  • Am I missing any policy discounts?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Parts of your insurance policy

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as pain medications, funeral costs, EMT expenses, X-ray expenses and surgery. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability

This protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as court costs, bail bonds, funeral expenses, pain and suffering and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, hail damage and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Dodge Viper.

Since many 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.

Collision insurance

Collision insurance will pay to fix damage to your Viper from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, scraping a guard rail, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Have the Midas touch

In this article, we presented many ways to shop for 2017 Dodge Viper insurance online. The key concept to understand is the more you quote insurance coverage, the better chance you’ll have of finding cheap insurance coverage. You may even find the lowest auto insurance rates come from some of the lesser-known companies. Smaller companies often have lower premium rates on specific markets compared to the large companies like Progressive or Geico.

When shopping online for car insurance, make sure you don’t buy less coverage just to save a little money. Too many times, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

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