1996 Dodge Viper Insurance Rates

Want lower insurance coverage rates for your Dodge Viper? Are you confused by the dozens of insurance coverage options? You’re not alone. Consumers have so many options that it can quickly become a ton of work to find better rates.

It’s a great practice to compare rates at least once a year since rates are variable and change quite frequently. Just because you had the best price for Viper insurance six months ago there may be better deals available now. Starting now, ignore everything you know about insurance coverage because it’s time to teach you the easiest way to find better rates and still maintain coverage.

These factors can influence what you pay for Dodge Viper insurance

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with big savings.

  • Special features that cut premiums – Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • What are your deductibles? – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Dodge from damage. Some instances where coverage would apply are colliding with a building, collision with an animal, and rolling your vehicle. Deductibles for physical damage are the amount of money you are willing to pay before a claim is paid by your company. The more you are required to pay out-of-pocket, the bigger discount you will receive for Viper insurance.
  • More than one policy can earn a discount – Most insurers give discounts to insureds who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to shop around to ensure the best deal. You may still be able to find a better deal by buying car insurance from a different company.
  • Your job and insurance rates – Did you know that where you work can have an impact on rates? Careers like doctors, business owners and accountants have higher rates than average due to high stress levels and long work hours. On the flip side, occupations like scientists, athletes and performers get better rates for Viper insurance.

Car Insurance Comparisons

All major car insurance companies such as State Farm, Geico and Progressive quote prices for coverage online. Getting online quotes is fairly simple as you simply enter your personal and coverage information into a form. Once entered, their system orders reports for credit and driving violations and provides a quote based on these and other factors.

Being able to quote online makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively enter the same data into a form is monotonous and tiresome. But it’s absolutely necessary to perform this step if you want to find better car insurance pricing.

Quote rates the easy way

A more efficient way to lower your rates utilizes a single form that gets prices from a lot of companies. The form is fast, requires much less work on your part, and makes comparison shopping much more efficient. After your information is entered, it gets priced and you can choose your choice of the quote results. If you find a better price you simply finish the application and purchase coverage. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

If you want to get comparison pricing now, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you type in the insurance coverages as close as possible to your current policy. This ensures you will receive an apples-to-apples comparison for similar insurance coverage.

Discounts are available to cut your rates

Car insurance companies don’t always publicize all available discounts very well, so the following is a list of both well-publicized as well as the least known ways to save on car insurance.

  • Low Mileage Discounts – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Memberships – Affiliation with certain professional organizations could trigger savings on car insurance for Viper insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Viper insurance than drivers with accidents.

Drivers should understand that most discount credits are not given to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

Car insurance companies that may offer these money-saving discounts include:

Check with each insurance company which discounts you may be entitled to. Some discounts may not apply in every state.

Everyone needs different coverages

When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions might point out whether you would benefit from an agent’s advice.

  • What is the minimum liability in my state?
  • Why do I need rental car insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverage breakdown

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses like dental work, EMT expenses, hospital visits and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, rock chips in glass and hail damage. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, rolling your car and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Coverage for liability

This coverage can cover damage or injury you incur to a person or their property. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for claims like pain and suffering, medical expenses, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Saving money is sweet as honey

Drivers leave their current company for any number of reasons including being labeled a high risk driver, high rates after DUI convictions, not issuing a premium refund and poor customer service. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

You just learned many ideas to shop for 1996 Dodge Viper insurance online. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the most savings is with an unexpected company.

When shopping online for car insurance, do not skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage for the lowest price.

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