Save on 1999 Dodge Viper Insurance Quotes

Drivers have a choice when trying to find the lowest priced Dodge Viper insurance. They can either spend hours driving around trying to get quotes or use the internet to make rate comparisons. There is a right way and a wrong way to shop for auto insurance and you need to know the absolute fastest way to compare rates for a new or used Dodge and find the lowest price.

You need to compare rates yearly due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the lowest price for Viper coverage a few years ago there is a good chance you can find better rates now. Don’t believe everything you read about auto insurance on the web, but with this article, you’re going to get some excellent ideas to quit paying high auto insurance rates.

Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you will most likely be able to cut costs considerably using this information. Drivers just need to understand the tricks to compare prices online.

Compare Quotes for Auto Insurance

Finding a better price on auto insurance is actually quite simple. The only thing you need to do is invest a few minutes to get quotes online with multiple companies. This can be done in a couple of different ways.

Probably the best way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This method keeps you from doing repetitive form entry for each company you want a rate for. Just one form gets you price quotes from auto insurance companies with the best prices. It’s the fastest way to compare.

A more time consuming way to get quotes online requires a trip to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s say you want rates from Progressive, Safeco and Allstate. To find out each rate you need to visit each site to enter your coverage information, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

The least recommended way of comparing rate quotes is to spend your day driving to and from local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the trained guidance that only a license agent can provide. Drivers can price shop your coverage online but still have the advice of a local agent and you’ll learn how to do that later.

It’s up to you which method you use, but double check that you are using the exact same information for each price quote. If your comparisons have mixed coverages you will not be able to find the best deal for your Dodge Viper.

Factors that might impact rates for a Dodge Viper

Smart consumers have a good feel for the different types of things that come into play when calculating your auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that can help you get better auto insurance rates.

The list below includes some of the factors used by your company to calculate your rates.

  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles reduce injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Dodge Viper has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Mature drivers pay less – Older drivers are more responsible, file fewer claims and receive fewer citations. Teenage drivers tend to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.
  • Where do you drive? – The more you drive in a year’s time the more you will pay for auto insurance. Most companies price each vehicle’s coverage based on their usage. Vehicles used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Viper can cost quite a bit. Double check that your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
  • Your job and insurance rates – Did you know your auto insurance rates can be affected by your occupation? Occupations like real estate brokers, social workers and accountants have higher rates than average because of job stress and long work hours. On the flip side, occupations such as scientists, athletes and performers get better rates for Viper coverage.

How to reduce 1999 Dodge Viper insurance rates

Companies do not advertise all available discounts in an easy-to-find place, so we took the time to find both the well known as well as the least known savings tricks you should be using. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.
  • Auto/Life Discount – Larger companies have lower rates if you buy a life insurance policy as well.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Own a Home – Being a homeowner may trigger a insurance coverage policy discount because maintaining a house requires personal responsibility.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Viper coverage than less cautious drivers.

Consumers should know that most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of insurers who offer insurance coverage discounts, click here.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions may help highlight if your situation might need professional guidance.

  • When should I not file a claim?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my policy pay for OEM or aftermarket parts?
  • When does my teenage driver need to be added to my policy?
  • Who is covered by my policy?
  • I have health insurance so do I need medical payments coverage?
  • How much liability coverage do I need in my state?
  • Can I rent a car in Mexico?
  • Is my trailer covered?
  • When can I cancel my policy?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision coverage

This pays for damage to your Viper from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Liability car insurance

This will cover damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like attorney fees, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as doctor visits, surgery and funeral costs. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, falling objects, rock chips in glass and damage from getting keyed. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Shop around and save

Drivers who switch companies do it for a number of reasons such as not issuing a premium refund, questionable increases in premium, policy non-renewal or denial of a claim. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Discount 1999 Dodge Viper insurance is attainable from both online companies in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced full coverage and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at the best price, not the least amount of coverage.

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