Cheap 2006 Dodge Viper Insurance Rates

Trying to find better insurance prices for a Dodge Viper can normally be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are both good and bad ways to find car insurance online and you need to know the quickest way to get price quotes for your Dodge and obtain the lowest possible price either online or from local insurance agents.

It’s a great practice to check car insurance prices once or twice a year because prices fluctuate regularly. Even if you think you had the best price for Viper insurance on your last policy you can probably find a lower rate today. So ignore everything you know about car insurance because it’s time to teach you the easiest way to save money, get proper coverage and the best rates.

Discounts are basically free money

Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so here is a list both the well known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Good Student Discount – Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Viper insurance with certain companies.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

A partial list of companies that may have some of the above discounts are:

Before buying, ask each company what discounts are available to you. Some discounts might not be offered in your state.

Which insurance is the “right” coverage?

When buying the right insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions can aid in determining whether or not you could use an agent’s help.

  • Do I have coverage for damage caused while driving under the influence?
  • When should I remove comp and collision on my 2006 Dodge Viper?
  • What is UM/UIM insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need replacement cost coverage on my 2006 Dodge Viper?
  • What if I don’t agree with a claim settlement offer?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Switch companies and save? Really?

Drivers constantly see and hear ads for cheaper car insurance by Geico, State Farm and Progressive. They all seem to say the same thing about savings if you switch to their company.

But how can every company say the same thing?

Insurance companies have a certain “appetite” for the type of customer they prefer to insure. An example of a driver they prefer might be over the age of 50, has no tickets, and chooses high deductibles. A customer getting a price quote who matches those parameters will get very good rates and as a result will probably cut their rates substantially.

Consumers who don’t meet this ideal profile will be charged higher premiums which usually ends up with business not being written. The ads say “people who switch” not “people who quote” save money. That is how insurance companies can advertise the way they do. That is why it is so important to get as many comparisons as possible. It’s impossible to know which company will fit your personal profile best.

Specifics of your insurance policy

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – Collision coverage pays for damage to your Viper resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, backing into a parked car, driving through your garage door, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverages – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, theft and damage from getting keyed. The maximum amount 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.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like funeral costs, X-ray expenses, EMT expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants 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.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability insurance – This protects you from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as loss of income, funeral expenses, medical expenses, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

In any little way, save everyday

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where someone dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Affordable 2006 Dodge Viper insurance can be found from both online companies and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some auto insurance companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Consumers leave their current company for a variety of reasons including high rates after DUI convictions, questionable increases in premium, high prices or lack of trust in their agent. Whatever your reason, finding a new company is not as difficult as it may seem.

Even more information is located in the articles below: