1995 Dodge Viper Insurance Rates

Trying to find cheaper auto insurance rates for your Dodge Viper? Car owners not familiar with comparing insurance quotes on the web will find buying low cost insurance is very challenging.

If you are paying for car insurance now, you will most likely be able to save some money using this strategy. This article will help educate you on how car insurance quotes work. Although drivers must understand how insurance companies sell online and apply this information to your search.

How to buy insurance coverage online

There are several ways to shop for insurance coverage, and some are more efficient than others. You could waste a few hours talking about coverages with insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Most major companies belong to an insurance system that enables customers to enter their policy data once, and at least one company returns a competitive quote for coverage. This prevents consumers from doing form submissions for every insurance coverage company. To compare rates now click here to open in new window.

The only downside to doing it this way is you are unable to specify the providers to receive prices from. So if you want to select specific insurance companies to compare, we put together a list of companies who write insurance coverage in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just compare exactly the same quote information for every company. If each company quotes different deductibles you will not be able to determine the lowest rate for your Dodge Viper. Having just a slight variation in insurance coverages or limits can result in a big premium difference. And when price shopping your coverage, making a lot of price comparisons gives you a better chance of getting the best rates. Not every company provides online price quotes, so it’s important to compare price quotes from them as well.

It’s not one size fits all

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Is my 1995 Dodge Viper covered for smoke damage?
  • Do I need medical payments coverage since I have good health insurance?
  • When should I remove comp and collision on my 1995 Dodge Viper?
  • What can I do if my company denied a claim?
  • Is motorclub coverage worth it?
  • Does my 1995 Dodge Viper need full coverage?
  • Which companies will insure high-risk drivers?
  • How can I get my company to pay me more for my totalled car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like funeral costs, chiropractic care and EMT expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1995 Dodge Viper.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability car insurance – Liability coverage protects you from damage that occurs to people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as pain and suffering, funeral expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a deer and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.