2000 Dodge Viper Car Insurance Quotes

Online rate comparisons for low cost auto insurance can be complicated if you haven’t ever used online price quotes. But don’t surrender to high rates because finding affordable coverage online is easier than you think.

Finding the best rates is not rocket science. In a nutshell, every vehicle owner who is shopping for auto insurance stands a good chance to be able to lower their premiums. But consumers need to have an understanding of the way insurance companies sell online and take advantage of how the system works.

Smart consumers can lower their insurance prices

The best way to find cheaper auto insurance is to take a look at some of the elements that help calculate your premiums. If you understand what influences your rates, this enables you to make decisions that may reward you with lower rates.

  • Bundle policies and save money – Many companies give a discount to clients that buy multiple policies. It’s known as a multi-policy discount. Even if you qualify for this discount already, you still need to check prices from other companies to confirm you are receiving the best rates possible.
  • City traffic equals higher premiums – Being located in a small town may provide you with better prices when talking about auto insurance. Fewer people means less chance of accidents. Residents of big cities have to deal with congested traffic and higher rates of accident claims. More time behind the wheel means more chances of being involved in an auto accident.
  • When should you file a claims? – Car insurance companies generally give cheaper rates to people who do not file claims often. If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Your insurance policy is designed for claims that pose a financial burden.
  • Vehicles with better crash test results are cheaper to insure – Vehicles with good safety scores get lower rates. These vehicles reduce occupant injuries and fewer serious injuries means less claims paid and thus lower rates.
  • Bad drivers pay high rates – Drivers who don’t get tickets get better rates as compared to those with violations. Just one speeding ticket can bump up the cost substantially. Drivers unfortunate enough to have flagrant tickets such as DUI, reckless driving or excessive speeding might be required by their state to maintain a SR-22 with their state in order to drive a vehicle legally.

Pay discount rates these discounts

Some providers don’t always publicize all their discounts in an easy-to-find place, so the list below contains some of the more common as well as some of the hidden credits that may apply to you.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more off the PIP or medical payment premium.
  • No Claim Discounts – Drivers who stay claim-free have much lower rates as opposed to insureds who have frequent claims or accidents.
  • 55 and Retired – Drivers over the age of 55 may be able to get a small discount on rates for Viper insurance.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course as it can save substantially.
  • Anti-lock Brake System – Vehicles that have anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Discount for New Cars – Insuring a vehicle that is new can save up to 30% because new model year vehicles keep occupants safer.

Please keep in mind that some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think adding up those discounts means a free policy, nobody gets a free ride.

A list of companies and some of their more popular discounts are:

  • GEICO may have discounts that include daytime running lights, anti-lock brakes, federal employee, military active duty, driver training, and air bags.
  • Travelers offers premium reductions for driver training, student away at school, early quote, continuous insurance, hybrid/electric vehicle, and IntelliDrive.
  • Nationwide may offer discounts for anti-theft, accident-free, multi-policy, family plan, easy pay, Farm Bureau membership, and good student.
  • Farmers Insurance includes discounts for business and professional, bundle discounts, alternative fuel, switch companies, electronic funds transfer, and teen driver.
  • Esurance has discounts for emergency road assistance, safety device, good student, multi-car, Pac-12 alumni, online quote, and multi-policy.
  • State Farm has savings for passive restraint, good driver, defensive driving training, anti-theft, multiple policy, and good student.
  • Progressive discounts include homeowner, multi-vehicle, multi-policy, good student, online signing, continuous coverage, and online quote discount.
  • Mercury Insurance offers discounts including anti-theft, annual mileage, accident-free, professional/association, ease of repair, and type of vehicle.

If you need the cheapest auto insurance quotes, ask every prospective company to give you their best rates. Some of the earlier mentioned discounts may not be offered in your area.

Are you falling for claims of savings?

Companies like State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. All the companies seem to make the promise that you’ll save big if you just switch your coverage. How is it possible that every company can charge lower premium rates? It’s all in the words they use.

Insurance coverage companies quote the lowest rates for the type of customer that makes them money. A good example of this type of risk profile could possibly be between the ages of 30 and 50, has a clean driving record, and has a high credit rating. Any customer that meets those criteria will get a cheap rate quote and have a good chance to save if they switch.

Consumers who are not a match for these stringent criteria will be charged higher premium rates which results in the customer not buying. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save that much. That’s the way insurance companies can confidently make claims like that. Each company has different criteria, so it is so important to compare as many free auto insurance quotes as you can. It is just not possible to predict the company that will be your best fit.

Special considerations

When buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might help in determining if you may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Is my state a no-fault state?
  • Does insurance cover damages from a DUI accident?
  • How can I get my company to pay me more for my totalled car?
  • Does my 2000 Dodge Viper need full coverage?
  • When should I not file a claim?
  • Are rock chip repairs covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I have a commercial auto policy?
  • What is PIP insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your auto insurance policy

Understanding the coverages of auto insurance can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverage

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to $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.

Liability can pay for things like bail bonds, attorney fees, emergency aid and court costs. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Auto collision coverage

Collision insurance covers damage to your Viper caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, vandalism, hitting a deer and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage pay for expenses like EMT expenses, ambulance fees, hospital visits, rehabilitation expenses and surgery. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

A penny earned…

We covered quite a bit of information on how to save on 2000 Dodge Viper insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheaper auto insurance. Consumers may even find the lowest priced insurance coverage comes from an unexpected company.

Lower-priced 2000 Dodge Viper insurance can be bought online and with local insurance agents, so get free auto insurance quotes from both of them to have the best selection. A few companies do not provide online price quotes and these smaller companies sell through independent insurance agencies.

Consumers change insurance companies for a variety of reasons including delays in responding to claim requests, poor customer service, policy non-renewal or delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

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