Save on 1992 Dodge Viper Insurance Rates

Trying to find the cheapest insurance coverage rates for your Dodge Viper? Are you irritated from paying out the nose to keep your car insured? You are no different than millions of other people. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate promote their brand names with TV and radio ads and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

It is always a good idea to compare premium rates quite often due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the best quotes on Viper coverage a couple years back you will most likely find a better rate today. You can find a lot of information about insurance coverage on the internet, but you can learn some solid techniques on how to find affordable insurance coverage.

If you have insurance now or are looking for a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage is not rocket science. Vehicle owners only need an understanding of the most effective way to compare company rates online.

First Step: Get free insurance coverage quotes

Finding a lower price on 1992 Dodge Viper insurance is not rocket science. You just need to take time comparing rates provided by online insurance companies. Insurance prices can be quoted by using one of the methods below.

The most recommended method to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form keeps you from doing multiple quote forms for every company. One simple form compares rates from all major companies.
A more time consuming way to find more affordable insurance consists of visiting each company’s website and repeat the quote process. For instance, we’ll assume you want to compare rates from Farmers, Allstate and Liberty Mutual. To find out each rate you need to spend time going to each site individually and type in your information over and over, which explains why we recommend starting with the first method.
For a list of companies in your area, click here.

However you get your quotes, make absolute certain that you use the same information for each comparison quote. If you are comparing unequal deductibles or liability limits it will be impossible to truly determine the lowest rate.

Get lower rates by receiving discounts

Car insurance is not cheap, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but some discounts are required to be asked about prior to getting the savings.

No Claim Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote in comparison to drivers with a long claim history.
Student in College – Older children who are enrolled in higher education away from home and don’t have a car could get you a discount.
Drivers Education – Require your teen driver to participate in a local driver’s education class if it’s offered in school.
Student Discounts – Excelling in school can get you a discount of up to 25%. You can use this discount normally until age 25.
ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
Buy New and Save – Insuring a vehicle that is new can get you a discount since newer vehicles have better safety ratings.
Defensive Driving Course – Passing a defensive driving class could possibly earn you a 5% discount if your company offers it.

It’s important to note that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way.

A few popular companies and some of the premium reductions they offer are outlined below.

Farm Bureau may include discounts for 55 and retired, safe driver, youthful driver, multi-vehicle, multi-policy, driver training, and good student.
MetLife includes discounts for good driver, defensive driver, accident-free, good student, multi-policy, claim-free
Progressive policyholders can earn discounts including multi-policy, online quote discount, online signing, continuous coverage, good student, and multi-vehicle.
AAA may offer discounts for pay-in-full, education and occupation, anti-theft, AAA membership discount, and good driver.
American Family has discounts for defensive driver, good student, air bags, mySafetyValet, good driver, accident-free, and early bird.
GEICO discounts include seat belt use, military active duty, emergency military deployment, anti-lock brakes, multi-vehicle, and defensive driver.
State Farm offers premium reductions for good driver, Steer Clear safe driver discount, accident-free, multiple policy, and defensive driving training.

It’s a good idea to ask every company which discounts you qualify for. Discounts may not be available in your area. If you would like to choose from a list of insurers with the best car insurance discounts, click this link.

Your insurance coverage should be tailored to you

When choosing the best insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For instance, these questions can help discover whether or not you might need professional guidance.

Can I drive in Mexico and have coverage?
Will my vehicle be repaired with OEM or aftermarket parts?
What can I do if my company denied a claim?
Do I pay less if my vehicle is kept in my garage?
Do I have coverage for damage caused while driving under the influence?
Does my insurance cover a custom paint job?
When can I cancel my policy?
Is a blown tire covered by insurance?
Can my teen driver be rated on a liability-only vehicle?
Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage specifics

Knowing the specifics of car insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages offered by car insurance companies.

Auto collision coverage

Collision insurance will pay to fix damage to your Viper resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, sideswiping another vehicle, driving through your garage door, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for liability

This provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has 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 policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as repair bills for other people’s vehicles, medical services, structural damage and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, falling objects, vandalism and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as X-ray expenses, hospital visits, chiropractic care, doctor visits and prosthetic devices. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to 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