1993 Dodge Viper Car Insurance Quotes – 9 Ideas for Cheapest Rates

Looking for the cheapest insurance rates for your Dodge Viper? Are you sick and tired of paying out the nose each month for car insurance? You are no different than many other drivers. Multiple insurance companies compete for your business, and because of this it can be hard to compare auto insurance companies to find the lowest rate possible.

You should take the time to price shop coverage occasionally because prices change regularly. Even if you think you had the lowest rates for Viper insurance on your last policy the chances are good that you can find a lower rate today. So block out anything you think you know about insurance because you’re going to get a crash course in the quickest way to properly buy coverages and cut your premium.

Which Insurance Coverage is Cheapest?

Shopping for lower insurance coverage rates can take time and effort if you don’t utilize the best way to get rate quotes. You can waste hours talking about coverages with agents in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Most of the larger companies are enrolled in a marketplace where prospective buyers submit one quote, and at least one company can provide price quotes for coverage. This prevents consumers from doing quote requests for every insurance coverage company.

To find out what other companies charge for 1993 Dodge Viper insurance click here (opens in new window).

The one downside to comparing rates this way is you are unable to specify the providers to get pricing from. So if you prefer to choose individual companies to compare prices, we have a listing of the cheapest insurance coverage companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make darn sure you compare the exact same information for every company. If the quotes have differing limits it will be impossible to determine the lowest rate for your Dodge Viper.

Best discounts on 1993 Dodge Viper coverage

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Most are applied at the time of purchase, but less common discounts must be asked for before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Life Insurance Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Viper insurance depending on your company.
  • Own a Home – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • College Student – Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could be rewarded with better rates on cars that stay parked.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Viper insurance than drivers with accidents.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.

Consumers should know that some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will reduce the amount you have to pay.

For a list of providers with the best insurance coverage discounts, follow this link.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • Should I bundle my homeowners policy with my auto?
  • When should I remove comp and collision on my 1993 Dodge Viper?
  • Am I getting all the discounts available?
  • Do I pay less if my vehicle is kept in my garage?
  • What vehicles should carry emergency assistance coverage?
  • Is my ex-spouse still covered by my policy?
  • Does insurance cover tools stolen from my truck?
  • How can I get high-risk coverage after a DUI?
  • Are rental cars covered under my policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Specific coverage details

Learning about specific coverages of your auto insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average auto insurance policy.

Collision insurance

Collision insurance covers damage to your Viper resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, hitting a mailbox, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability coverage

This coverage will cover damage or injury you incur to people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like structural damage, funeral expenses, legal defense fees, medical expenses and court costs. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Comprehensive auto insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, hitting a deer, theft, fire damage and vandalism. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses for nursing services, surgery, ambulance fees, pain medications and doctor visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Viper.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Cheaper insurance is a realistic goal

The cheapest 1993 Dodge Viper insurance is available from both online companies and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. A few companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

We’ve covered some good ideas how you can get a better price on insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance comes from some of the lesser-known companies. They may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

Even more information can be read by following these links: