Cheap 1999 Dodge Viper Insurance Quotes

Sick and tired of sacrificing other expenses to pay your insurance coverage bill each month? You have the same problem as the majority of other people. Having so many different company options, it can be challenging to find the lowest price insurance coverage provider.

It is always a good idea to compare premium rates yearly since prices change quite often. Even if you got the best price for Viper insurance two years ago there is a good chance you can find better rates now. There is lot of inaccurate information about insurance coverage out there, but in this article, you’re going to get some excellent ideas to slash your insurance coverage rates.

Do you qualify for discounts?

Car insurance is not cheap nor is it fun to buy but you can get discounts that many people don’t even know exist. Some discounts will apply at the time you complete a quote, but a few must be requested specifically before you get the savings.

  • Savings for New Vehicles – Adding a new car to your policy can save you some money because new vehicles keep occupants safer.
  • Good Student Discount – Maintaining excellent grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Senior Citizens – Drivers over the age of 55 may qualify for a slight reduction on a insurance coverage quote for Viper insurance.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Homeowners Discount – Owning your own home or condo can save you money since owning and maintaining a home shows financial diligence.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • E-sign – Some of the larger companies give back up to $50 for buying a policy and signing up over the internet.
  • Telematics Devices – Drivers who agree to allow their company to scrutinize driving patterns by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.
  • Driver Safety – Participating in a course that instructs on driving safety may get you a small discount and easily pay for the cost of the class.

While discounts sound great, it’s important to understand that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you could get a free car insurance policy, you won’t be that lucky.

Companies and a partial list of their discounts are:

  • GEICO discounts include driver training, good student, anti-lock brakes, emergency military deployment, membership and employees, seat belt use, and military active duty.
  • MetLife offers discounts for defensive driver, good student, good driver, multi-policy, claim-free, accident-free
  • Progressive offers discounts including multi-vehicle, online quote discount, homeowner, continuous coverage, online signing, and multi-policy.
  • Travelers has discounts for continuous insurance, early quote, multi-car, driver training, student away at school, and hybrid/electric vehicle.
  • SAFECO includes discounts for multi-car, bundle discounts, anti-lock brakes, homeowner, and accident prevention training.
  • AAA policyholders can earn discounts including good driver, education and occupation, multi-policy, anti-theft, and good student.

It’s a good idea to ask all companies you are considering which discounts they offer. Some of the earlier mentioned discounts might not be offered in your area. If you would like to see a list of insurers that provide some of the discounts listed above, click here to view.

How your Viper insurance premiums are determined

Many different elements are taken into consideration when premium rates are determined. Most are fairly basic such as your driving record, but other criteria are more obscure like your vehicle usage and annual miles driven.

  • Lower insurance rates by staying claim free – Insurance companies provide lower rates to people who are not frequent claim filers. If you are the type of insured that files lots of claims you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is meant to be used in the event of larger claims.
  • Cars with good safety ratings are cheaper to insure – Cars with high safety ratings are cheaper to insure. Safe vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • How old are your drivers? – Older drivers are viewed as being more responsible, file fewer claims .Youthful drivers have been known to be inattentive and easily distracted in a vehicle so insurance rates are higher.
  • Men drivers tend to cost more – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. Both sexes get in auto accidents in similar numbers, but the men tend to have higher claims. Men also tend to receive more major tickets like DWI (DUI) or reckless driving.
  • Cheaper rates by combining – Most insurers afford better rates to buyers that purchase more than one policy, otherwise known as a multi-policy discount. The discount can add up to ten or even fifteen percent. Even if you qualify for this discount already, it’s always a smart idea to compare rates to make sure you are getting the best deal.
  • City dwellers may pay more – Residing in a rural area has definite advantages when buying insurance. Less people living in that area means reduced accidents in addition to fewer liability claims. City drivers tend to have more aggressive driving styles and much longer commute distances. Longer commute distances translates into higher accident risk.
  • Low credit rating equals high premiums – A driver’s credit history is a big factor in your rate calculation. Drivers with excellent credit tend to be more responsible than drivers with worse credit. Therefore, if your credit score can be improved, you may save money insuring your 1999 Dodge Viper if you improve your credit rating.

Don’t assume everyone needs the same car insurance coverage

When buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique so your insurance needs to address that. These are some specific questions might point out whether or not you might need professional guidance.

  • How do I insure my teen driver?
  • Will my insurance pay for OEM parts?
  • Is my custom paint covered by insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are my tools covered if they get stolen from my vehicle?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Beware of misleading car insurance ads

Drivers can’t ignore all the ads that promise big savings by Progressive, Allstate and GEICO. They all make the point that you can save if you switch your coverage.

That’s great but how can every company have lower policy pricing?

Different companies have specific guidelines for the type of customer they prefer to insure. For instance, this type of driver might be described as between the ages of 30 and 50, has no prior claims, and chooses high deductibles. Any new insured who matches those parameters will probably get the lowest prices and most likely will save when they switch companies.

Potential customers who fall outside this stringent profile may be required to pay a more expensive rate which translates to business going elsewhere. Company advertisements say “people that switch” not “everyone that quotes” save money. That’s why companies can make the claims of big savings.

This really illustrates why you really should do a price quote comparison at every renewal. It’s impossible to know the company that will give you lower rates than your current company.

Insurance policy coverages for a Dodge Viper

Understanding the coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a broken windshield, vandalism and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability

This protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as loss of income, medical expenses and funeral expenses. How much coverage you buy is up to you, but buy higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for EMT expenses, X-ray expenses and hospital visits. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays for damage to your Viper resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, crashing into a ditch, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Dodge Viper.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Summing up your car insurance search

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. Too many times, someone dropped full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

Cost effective 1999 Dodge Viper insurance is available from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some car insurance companies don’t offer online price quotes and usually these regional carriers prefer to sell through independent agencies.

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