1994 Dodge Viper Insurance Quotes

Searching for better auto insurance rates for your Dodge Viper? Trying to come up with a payment for high-priced auto insurance can eat up your funds and force you to cut corners elsewhere. Comparing price quotes is a fast and free way to slash your bill and have more diposable income.

Numerous auto insurance companies battle for your business, so it’s not easy to compare every insurance company to find the best rates possible.

It’s a great practice to compare rates once or twice a year since insurance rates trend upward over time. Just because you had the lowest premium rates on Viper insurance two years ago you will most likely find a better price today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the only way to reduce your cost while improving coverage.

If you are insured now or are looking for a new policy, you can follow these tips to find the best rates while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Drivers only need an understanding of the proper methods to compare prices online.

Take advantage of with these discounts

Car insurance companies do not advertise every available discount in a way that’s easy to find, so the list below details a few of the more common and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

  • Senior Citizens – Drivers over the age of 55 are able to get a discount up to 10% on Viper insurance.
  • Distant Student Discount – College-age children living away from home attending college without a vehicle on campus can receive lower rates.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Bundle and Save – If you can combine your auto and home policy with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and the ABS can save up to 10%.
  • Defensive Driver Discounts – Taking part in a safe driver course can save you 5% or more if you qualify.
  • Membership in Organizations – Being a member of specific professional or occupational memberships or organizations could qualify you for a break on your policy.
  • Accident Forgiveness – Not really a discount, but companies like Allstate and State Farm will allow you to have one accident before raising your premiums with the catch being you have to be claim-free for a certain period of time.

As a disclaimer on discounts, some credits don’t apply the the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But any discount will definitely lower the amount you pay for coverage.

Popular insurance coverage companies and some of the premium reductions they offer are outlined below.

  • GEICO offers discounts including anti-lock brakes, federal employee, multi-policy, good student, and emergency military deployment.
  • Travelers may include discounts for student away at school, home ownership, new car, multi-car, continuous insurance, hybrid/electric vehicle, and IntelliDrive.
  • Nationwide has savings for good student, anti-theft, Farm Bureau membership, family plan, business or organization, and easy pay.
  • Farmers Insurance includes discounts for switch companies, good student, multi-car, homeowner, and early shopping.
  • Esurance offers discounts for good driver, defensive driver, anti-lock brakes, homeowner, good student, DriveSense, and Pac-12 alumni.
  • State Farm may offer discounts for passive restraint, anti-theft, multiple autos, accident-free, multiple policy, and safe vehicle.
  • Progressive may have discounts that include online quote discount, multi-vehicle, homeowner, continuous coverage, good student, and multi-policy.
  • Mercury Insurance has discounts for multi-car, age of vehicle, type of vehicle, location of vehicle, ease of repair, and accident-free.

When quoting, ask each company which discounts you may be entitled to. Depending on the company, some discounts might not be offered on policies in your area.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out if your situation would benefit from an agent’s advice.

  • Am I covered if I hit a deer?
  • Why is insurance for a teen driver so high?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is the difference between comprehensive and collision coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered when using my vehicle for business?
  • What happens if I owe more than my 1994 Dodge Viper is worth?
  • Do I need rental car coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Parts of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Collision coverage – Collision coverage pays for damage to your Viper from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, crashing into a building, scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability auto insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as medical expenses, funeral expenses, repair bills for other people’s vehicles, emergency aid and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, funeral costs and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, a broken windshield, a tree branch falling on your vehicle, hitting a deer and hitting a bird. The highest 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 removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Quote more. Save more.

When you buy car insurance online, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where someone dropped uninsured motorist or liability limits only to discover later that it was a big error on their part. Your objective should be to buy the best coverage you can find at the best cost, but do not skimp to save money.

Cheaper insurance can be bought from both online companies and also from your neighborhood agents, and you need to price shop both to have the best selection. Some insurance companies may not offer price quotes online and usually these small insurance companies sell through independent agents.

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