1996 Dodge Viper Insurance Quotes

Trying to find the cheapest car insurance rates for your Dodge Viper? Comparing and finding cheap rates for Driverscar insurance might be very difficult for drivers who are new to online insurance quotes. Consumers have so many agents and companies to choose from that it can easily be a chore to locate the lowest rates.

This article will help educate you on how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. But car owners can benefit by having an understanding of the methods companies use to sell online and take advantage of how the system works.

Auto insurance policy discounts

Insuring your vehicles can cost a lot, but companies offer discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you purchase, but some discounts are required to be manually applied prior to getting the savings.

  • Renewal Discounts – A few insurance companies offer discounts for switching to them early. It’s a savings of about 10%.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school or through a local driver safety program.
  • Discounts for Responsible Drivers – Safe drivers may receive a discount up to 45% on Viper coverage compared to rates paid by drivers with frequent claims.
  • Defensive Driving Course – Passing a course teaching defensive driver skills could possibly earn you a 5% discount if your company offers it.
  • Multi-Vehicle Discounts – Buying a policy with more than one vehicle on a single policy can get a discount for every vehicle.
  • Resident Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but certain companies will turn a blind eye to one accident before your rates go up so long as you are claim-free before the accident.
  • Clubs and Organizations – Having an affiliation with a professional or civic organization may earn a discount on your next renewal.
  • Use Seat Belts – Forcing all vehicle occupants to use a seat belt can save a little on medical payment and PIP coverage.
  • Full Payment Discount – By making one initial payment rather than paying monthly you can avoid monthly service charges.

You should keep in mind that many deductions do not apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.

A list of companies and their offered discounts include:

  • State Farm includes discounts for good driver, driver’s education, Steer Clear safe driver discount, accident-free, good student, Drive Safe & Save, and student away at school.
  • American Family may have discounts that include multi-vehicle, accident-free, mySafetyValet, Steer into Savings, good student, bundled insurance, and early bird.
  • AAA may offer discounts for good driver, anti-theft, multi-policy, education and occupation, good student, and multi-car.
  • GEICO offers premium reductions for multi-vehicle, anti-lock brakes, driver training, anti-theft, membership and employees, and air bags.
  • Mercury Insurance has discounts for location of vehicle, accident-free, annual mileage, multi-policy, and good student.
  • Farmers Insurance offers discounts for pay in full, good student, business and professional, alternative fuel, and early shopping.
  • Progressive may include discounts for multi-vehicle, good student, continuous coverage, multi-policy, homeowner, online signing, and online quote discount.

When comparing rates, check with every insurance company to apply every possible discount. Depending on the company, some discounts may not apply to policies in your area. To see a list of auto insurance companies with significant discounts, click here to view.

How to compare insurance rate quotes

There are a lot of ways you can shop for insurance but one way is easier and takes less work. You can waste hours talking to insurance companies in your area, or you could use online quoting to get rates in a matter of minutes.

Many of the larger companies are enrolled in a marketplace where insurance shoppers submit one quote, and every company provides a quote for coverage. This eliminates the need for form submissions to each individual insurance company. To compare pricing click here to start a free quote.

The only downside to getting quotes like this is you cannot specify which insurance companies to get pricing from. If you wish to select individual companies to compare rates, we have a page of low cost insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use the same coverage limits on every quote. If your comparisons have different deductibles you can’t possibly determine which rate is truly the best. Just slight variations in limits can result in a big premium difference. Keep in mind that comparing more rates from different companies increases the change that you will find better pricing. Some insurance companies are not set up to provide rate quotes online, so it’s important to also get price quotes from the smaller companies as well.

Why you might pay lower rates

Many different elements are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving record, but others are more transparent such as your credit history or your vehicle rating.Consumers need to have an understanding of the rating factors that come into play when calculating auto insurance rates. When you know what positively or negatively influences your rates, this allows you to make educated decisions that may result in big savings.

The items below are just a few of the factors companies use to determine your premiums.

  • Only buy coverage you need – There are quite a few add-on coverages that sound like a good idea at the time if you aren’t diligent. Coverages like coverage for rental cars, better glass coverage, and extra equipment coverage may be wasting your money. You may think they are a good idea when deciding what coverages you need, but now you might not need them so consider taking them off your policy.
  • Liability coverage is important – Your auto insurance policy’s liability coverage will afford coverage if you are responsible for causing personal injury or damage in an accident. This coverage provides for a legal defense starting from day one. It is affordable coverage compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Higher physical damage deductibles are cheaper – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Dodge. Some instances where coverage would apply are colliding with a building, collision with an animal, and having your car stolen. Comp and collision deductibles state the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The more you are required to pay out-of-pocket, the less your company will charge you for insurance on Viper coverage.
  • Your address can influence prices – Having an address in smaller towns and rural areas of the country may provide you with better prices when it comes to auto insurance. Less people living in that area means fewer accidents in addition to fewer liability claims. Urban drivers regularly have much more traffic and much longer commute distances. The longer drive time means a statistically higher chance of an accident.
  • Save money by having multiple policies – Most insurance companies allow better rates to customers who carry more than one policy. It’s known as a multi-policy discount. The discount can be as much as ten percent or more Even if you’re getting this discount it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. Consumers may find lower rates by insuring with multiple companies.
  • Prevent auto insurance lapses – Going without insurance will be a guaranteed way to drive up your policy premiums. In addition to paying higher premiums, failure to provide proof of insurance could result in fines or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • High credit scores save money – A driver’s credit score is a big factor in determining premium rates. If your credit history could use some work, you could save money insuring your 1996 Dodge Viper by spending a little time repairing your credit. Consumers who have very good credit scores tend to be more responsible as compared to drivers with worse credit.
  • Annual miles is a factor – Driving a lot of miles annually the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that are left in the garage qualify for better rates than those that get driven frequently. Double check that your vehicle rating shows the correct driver usage, because it can save money. A policy that improperly rates your Viper may be costing you.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

For example, these questions could help you determine whether you will benefit from professional help.

  • Can my teen driver be rated on a liability-only vehicle?
  • How can I force my company to pay a claim?
  • Does my insurance cover my expensive audio equipment?
  • Do I need roadside assistance coverage?
  • Who is covered when they drive my 1996 Dodge Viper?
  • Is rental equipment covered for theft or damage?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage advertisements

Insurance coverage providers like State Farm, GEICO and Progressive endlessly run ads in print and on television. They all seem to try to convey promises about savings if you change your coverage. How does every insurance coverage company sell you cheaper insurance coverage? You have to listen carefully.

Different companies have strict underwriting profiles for the type of driver that earns them the highest profit. For instance, a preferred risk could possibly be between 25 and 40, insures multiple vehicles, and drives a vehicle with a low ISO rating. Someone who fits those characteristics receives the best premium rates and will also save a lot of money.

Potential customers who may not quite match this ideal profile will be charged more expensive rates which usually ends up with the customer buying from someone else. The trick companies use is to say “people who switch” but not “all drivers who get quotes” save that much. That is how companies can truthfully make it sound like they have such great rates.

This illustrates why you need to do a price quote comparison at every renewal. It’s not possible to predict with any certainty which company will have the lowest rate quotes.

Insurance coverage breakdown

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for bills for surgery, nursing services, prosthetic devices and funeral costs. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as driving through your garage door, backing into a parked car, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive auto coverage – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hail damage, theft, a broken windshield and vandalism. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability insurance – Liability coverage can cover damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like loss of income, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Viper.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Smart shoppers get results

In this article, we covered a lot of techniques to shop for 1996 Dodge Viper insurance online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding inexpensive auto insurance. You may even find the lowest priced car insurance comes from an unexpected company.

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where consumers will sacrifice collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.

There are still a few companies who may not have price quotes online and these regional carriers only sell through independent agencies. More affordable car insurance is possible on the web and from local agencies, and you should be comparing both to have the best selection.

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