2017 Dodge Viper Insurance Cost

Finding the cheapest insurance for your Dodge Viper can be a lot of work, but you can use these tips and make it easy. There is a better way to shop for car insurance and we’ll show you the quickest way to price shop coverage for a Dodge and find the best price possible from local insurance agents and online providers.

What impacts Dodge Viper insurance costs?

Smart consumers have a good feel for the factors that help calculate your policy premiums. If you understand what determines base rates, this enables informed choices that may result in much lower annual insurance costs. Many different elements are considered when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but other criteria are less apparent such as your credit history or your financial responsibility.

  • Only buy what you need – Insurance companies have many extra add-on coverages that can add up if you aren’t diligent. Insurance for things like personal injury protection, better glass coverage, and term life insurance may not be needed and are just wasting money. They may sound like good ideas at first, but your money might be better spent on other coverage so get rid of them and save.
  • Continuous coverage lowers premiums – Going without insurance will be a guaranteed way to bump up your insurance costs. Not only will you pay higher rates, the inability to provide proof of insurance may result in a steep fine or even jail time.
  • Drive a safer car and pay less – Safe vehicles cost less to insure. The safest vehicles reduce the chance of injuries and lower injury rates means less money paid by your insurance company and lower rates for you.
  • Driver age impacts rates – Older drivers are more responsible, cost insurance companies less in claims and get fewer tickets.Drivers with little experience have been known to be more careless when at the wheel of a vehicle therefore insurance rates are much higher.
  • Insurance rates and driver gender – Over the last 50 years, statistics have shown females are less aggressive when driving. However, don’t assume that men are worse drivers. Females and males tend to get into at-fault accidents in similar numbers, but the males tend to have more serious accidents. Men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
  • Traffic violations will cost you – Drivers with clean records pay lower auto insurance prices compared to bad drivers. Just one ticket could increase your next policy renewal by as much as twenty percent. Drivers who get severe tickets like reckless driving or DUI may face state-mandated requirements to complete a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.

Find discounts on car insurance

Some companies do not list the entire discount list in a way that’s easy to find, so the following is a list of both the well known as well as some of the hidden savings tricks you should be using when you buy insurance coverage online.

  • Responsible Driver Discounts – Safe drivers could pay up to 40% less on Viper coverage as compared to drivers with claims.
  • Buy New and Save – Buying insurance on a new vehicle may earn a small discount because new model year vehicles have to meet stringent safety requirements.
  • Switch and Save Discount – Some larger companies provide a discount for signing up prior to your current policy expiring. This can save 10% or more.
  • Life Insurance Discount – Insurance companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Waiver for an Accident – This one is not really a discount per se, but companies like Progressive, Allstate, and Liberty Mutual will let one accident slide without the usual rate increase as long as you don’t have any claims before the accident.

Just know that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A few popular companies and their possible discounts can be read below.

  • Progressive has discounts for good student, homeowner, online quote discount, online signing, continuous coverage, multi-vehicle, and multi-policy.
  • SAFECO includes discounts for anti-lock brakes, safe driver, teen safety rewards, bundle discounts, and drive less.
  • American Family has savings for mySafetyValet, early bird, multi-vehicle, air bags, accident-free, good student, and TimeAway discount.
  • MetLife offers discounts for defensive driver, accident-free, multi-policy, claim-free, good student, and good driver.
  • Geico discounts include multi-policy, good student, federal employee, five-year accident-free, driver training, and anti-lock brakes.
  • The Hartford may offer discounts for bundle, good student, defensive driver, anti-theft, air bag, and vehicle fuel type.

Before purchasing a policy, check with every prospective company how you can save money. Discounts may not be available in your state. To locate insurers that can offer you the previously mentioned discounts, click this link.

Ads can be misleading

Consumers can’t avoid all the ads for cheaper insurance coverage by Geico, State Farm and Progressive. They all state the claim about savings if you just switch your insurance coverage policy to them.

Is it even possible that every company can have lower policy pricing? This is the trick they use.

Insurance providers look for specific characteristics for the type of driver that earns them the most money. A good example of a preferred risk may be between the ages of 30 and 50, has a clean driving record, and drives a vehicle with a low ISO rating. A customer getting a price quote who matches those parameters will qualify for the lowest car insurance rates and will also save some money.

Potential customers who fall outside those criteria will see a more expensive rate and ends up with business going elsewhere. The ads state “drivers that switch” not “all people who quote” save that much when switching. This is how insurance companies can make those claims. This really emphasizes why drivers must compare as many free insurance coverage quotes as you can. It’s not possible to predict which insurance coverage company will have the best rates.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.

For example, these questions could help you determine whether or not you would benefit from professional advice.

  • Should I rate my 2017 Dodge Viper as pleasure use or commute?
  • What if I total my 2017 Dodge Viper and owe more than it’s worth?
  • Are my friends covered when driving my car?
  • Exactly who is provided coverage by my policy?
  • Am I missing any policy discounts?
  • Is my cargo covered for damage or theft?
  • Can I rate high risk drivers on liability-only vehicles?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, hail damage, rock chips in glass, falling objects and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance – This will cover damage or injury you incur to other’s property or people by causing an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as funeral expenses, emergency aid, structural damage and attorney fees. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for funeral costs, nursing services, ambulance fees and chiropractic care. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

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

Collision can pay for claims such as rolling your car, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

More quotes mean more savings

Drivers who switch companies do it for a number of reasons such as high rates after DUI convictions, policy non-renewal, lack of trust in their agent and even extreme rates for teen drivers. No matter why you want to switch, finding the right insurance coverage provider can be pretty painless.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There have been many cases where someone dropped physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

We’ve covered many tips how you can get a better price on 2017 Dodge Viper insurance. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest insurance coverage. Drivers may discover the lowest rates come from an unexpected company.

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