1993 Dodge Viper Insurance Quotes – 9 Ideas for Cheaper Rates

Having to pay for overpriced Dodge Viper insurance can sap your checking account and make it impossible to make ends meet.

Due to the fact that there are so many companies and agents to choose from, it’s difficult to locate the lowest price insurer.

Nine discounts to earn lower-cost car insurance rates

Some insurers don’t list all possible discounts very clearly, so we break down some of the best known and the harder-to-find credits available to you.

  • No Charge for an Accident – Not necessarily a discount, but some companies like GEICO, Progressive, and Allstate allow you one accident without the usual rate increase with the catch being you have to be claim-free before the accident.
  • ABS and Traction Control Discounts – Cars with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts can save up to 15% off PIP or medical payments premium.
  • Smart Student Discounts – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
  • College Student Discount – Older children living away from home attending college without a vehicle on campus may be insured at a cheaper rate.
  • Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off for Viper insurance with certain companies.

You should keep in mind that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any amount of discount will definitely lower your car insurance premiums.

If you would like to view car insurance companies with discount rates, follow this link.

Compare quotes for insurance

When shopping for low cost car insurance quotes, there are a couple of ways to compare quotes from many different insurance companies. By far the easiest way to find cheaper 1993 Dodge Viper rates is to use the internet to compare rates. This is quite simple and can be completed in a couple minutes as outlined below.

Without a doubt, the easiest way to find low rates is to use a rate comparison form click to view form in new window. This quick form keeps you from doing boring form submissions for each company. A single form gets prices estimates from many national carriers.

A more time consuming way to find lower rates is spending the time to visit the website for each individual company and complete a new quote form. For examples sake, let’s say you want to compare prices for Farmers, GEICO and Liberty Mutual. To find out each rate you need to go to each individual site and repeatedly type in your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

The most time-consuming method to price shop rates is going to insurance agents’ offices. The ability to get quotes online has made agencies unnecessary unless you have a need for the trained advice that can only be provided by a licensed insurance agent. Drivers can get the lowest quotes online and get advice from an agent in your area.

Take whichever approach you prefer, but make sure you are using equivalent quote data with every price quote. If the quotes have different values for each quote then you won’t be able to determine the lowest rate for your Dodge Viper. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. It’s important to know that getting more free quotes helps you find a lower rate.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique so your insurance should reflect that For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Exactly who is provided coverage by my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need replacement cost coverage on my 1993 Dodge Viper?
  • Should I drop comprehensive coverage on older vehicles?
  • How can I get high-risk coverage after a DUI?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I have a commercial auto policy?
  • I have a DUI can I still get coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Having a good grasp of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like surgery, nursing services and EMT expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Dodge Viper.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision insurance

This coverage will pay to fix damage to your Viper caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, driving through your garage door, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability car insurance

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different 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 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like loss of income, emergency aid, pain and suffering and medical expenses. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, damage from a tornado or hurricane and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

One last thing

When you buy car insurance online, you should never buy poor coverage just to save money. In many cases, someone dropped physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at a price you can afford.

We’ve covered some good ideas how you can lower your 1993 Dodge Viper insurance car insurance rates. The key concept to understand is the more providers you compare, the better likelihood of getting low cost car insurance. Consumers may even find the best price on insurance is with a small local company. Regional companies can often provide lower premium rates in certain areas than the large multi-state companies such as Allstate and Progressive.

More tips and info about insurance can be read by following these links: