2002 Dodge Viper Insurance Quotes – 6 Discounts for Cheaper Rates

Trying to find lower insurance coverage rates for your Dodge Viper? Are you intimidated by the number of insurance coverage company choices? Many other consumers are too. Consumers have so many options that it can turn into a real challenge to find better rates.

It’s smart to shop coverage around before your policy renews because prices are usually higher with each renewal. If you had the best deal on Viper insurance a few years ago you may be paying too much now. So just ignore everything you know about insurance coverage because we’re going to show you the fastest and easiest way to lower your annual insurance bill.

Buying car insurance is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Although vehicle owners need to learn the way companies compete online and apply this information to your search.

Comprehensive Insurance Comparison

All major insurance companies such as Progressive, Allstate and Geico allow you to get coverage price quotes online. This process is quite simple as you simply enter the coverage amounts you desire as detailed in the form. After you complete the form, their system will order your driving and credit reports and gives you a price quote.

Quoting online simplifies rate comparisons, but the time it takes to visit a lot of sites and complete many quote forms gets old quite quickly. But it’s absolutely necessary to do this if you are searching for the lowest possible prices on insurance.

A more efficient way to locate the lowest prices uses one form to return rates from a bunch of companies at once. The form is fast, requires less work, and makes online shopping a lot less work. After your information is entered, it is quoted with multiple companies and you can pick your choice of the resulting price quotes. If you find a better price it’s easy to complete the application and buy the policy. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

If you want to find out how much you can save on insurance, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you copy the coverage information exactly as shown on your declarations page. This ensures you will be getting comparison quotes for the exact same coverage.

Advertising myths

Progressive, Allstate and Geico consistently run ads on TV and radio. All the companies say the same thing about savings if you change to their company. But how can every company make almost identical claims?

Different companies have a preferred profile for the driver they prefer to insure. For example, a profitable customer might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Drivers who fall outside this ideal profile will be quoted higher premiums and this can result in business going elsewhere. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully advertise the way they do. This emphasizes why drivers must get quotes from several different companies. It’s impossible to know which insurance companies will provide you with the cheapest Dodge Viper insurance rates.

Companies offer discounts so take them!

Car insurance companies don’t list every available discount very clearly, so here is a list some of the more common and the harder-to-find discounts you could be receiving.

  • Safety Course Discount – Taking a driver safety course could cut 5% off your bill depending on where you live.
  • College Student – Kids in college living away from home attending college and don’t have a car can be insured at a reduced rate.
  • No Claims – Good drivers with no accidents pay much less when compared to drivers who are more careless.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount on Viper insurance with certain companies.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can receive discounts of more than 20%.

It’s important to note that most discount credits are not given to the entire cost. Most only cut specific coverage prices like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of providers with the best auto insurance discounts, click here to view.

Do I just need basic coverages?

When it comes to buying the best auto insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Does my policy cover my teen driver if they drive my company car?
  • Are split liability limits better than a combined single limit?
  • Do I pay less if my vehicle is kept in my garage?
  • Is motorclub coverage worth it?
  • What is the ISO rating for a 2002 Dodge Viper?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverages and their meanings

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, hitting a deer, vandalism and damage from getting keyed. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses like funeral costs, doctor visits, X-ray expenses and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage covers damage to your Viper resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, rolling your car, sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Auto liability insurance – This coverage will cover injuries or damage you cause to people or other property. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical services, funeral expenses, pain and suffering, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Viper.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Save your hard earned cash

In this article, we covered many tips how you can get a better price on 2002 Dodge Viper insurance. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the lowest rates come from an unexpected company.

Low-cost insurance is available both online and with local insurance agents, and you need to price shop both to have the best rate selection. Some car insurance companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

Drivers change insurance companies for a number of reasons such as delays in paying claims, being labeled a high risk driver, an unsatisfactory settlement offer or even high prices. Regardless of your reason, finding a new car insurance company is less work than it seems.

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