Compare 2002 Dodge Viper Car Insurance Rates

Want cheaper auto insurance rates for your Dodge Viper? Nobody loves paying for auto insurance, especially knowing they could lower their rates if they shopped around. Big companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you have insurance now or need new coverage, you can learn to cut your premiums while maximizing coverage. Choosing the best insurance company for you is not rocket science. Drivers only need an understanding of the proper methods to get comparison quotes on the web.

The most recommended method to compare rates is to know car insurance companies pay for the opportunity to provide you with a free rate quote. All you need to do is provide a little information including if a SR-22 is needed, the ages of drivers, the year, make and model of vehicles, and if you are currently licensed. Your rating data is instantly sent to multiple companies and they return quotes within a short period of time.

To compare rates now, click here and enter the information requested.

Discounts can really help save money

Some insurers do not advertise every disount available in an easy-to-find place, so the list below gives a summary of both the well known in addition to some of the lesser obvious credits available to you. If you don’t get every credit available, it’s possible you qualify for a lower rate.

  • Onboard Data Collection – Insureds who allow companies to analyze driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
  • Paperwork-free – Some of the larger companies give back up to $50 for buying your policy over the internet.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control are safer to drive and earn discounts up to 10%.
  • Professional Memberships – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for auto insurance.
  • Payment Discounts – If you can afford to pay the entire bill instead of paying each month you could save up to 5%.
  • One Accident Forgiven – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident without raising rates if you are claim-free for a particular time prior to the accident.

Please keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

Car insurance companies who may offer these discounts include:

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. Savings may not apply to policyholders in your area. To find insurers that offer many of these discounts, click here.

Will just any policy work for me?

When choosing the right insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help highlight if you might need professional guidance.

  • How does medical payments coverage work?
  • Do I need higher collision deductibles?
  • Do I need replacement cost coverage on my 2002 Dodge Viper?
  • Should I buy full coverage?
  • Does car insurance cover theft of personal property?
  • Are my friends covered when driving my car?
  • Is my trailer covered?
  • Am I covered if I wreck a rental car?
  • When do I need to add a new car to my policy?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

How your Viper insurance costs are determined

Part of the auto insurance buying process is learning some of the things that help calculate the level of your policy premiums. When consumers understand what impacts premium levels, this allows you to make educated decisions that can help you get better auto insurance rates. Many things are considered when pricing auto insurance. Some are obvious like a motor vehicle report, but some are more transparent such as whether you are married or your financial responsibility.

The itemized list below are some of the factors utilized by car insurance companies to help set your rates.

  • Lower comp and collision deductibles cost more – Your deductibles tell how much the insured will be required to pay before your auto insurance pays a claim. Physical damage protection, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims are colliding with a stationary object, collision with a deer, or theft of your vehicle. The more you choose to pay out-of-pocket, the less your auto insurance will be for Viper insurance.
  • Pay more by driving carelessly – Having a single speeding ticket or other violation may cause rates to rise twenty percent or more. Careful drivers pay lower auto insurance prices than their less careful counterparts. Drivers unfortunate enough to have serious citations like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive.
  • Deter car thieves – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft.
  • Premiums drop with age – Older, more experienced drivers are viewed as being more responsible, cause fewer claims and accidents , and are generally more financially stable.Inexperience drivers have a tendency to be inattentive and easily distracted behind the wheel so they pay higher auto insurance rates.
  • Single drivers may pay higher premiums – Having a spouse may save some money on your policy. It means you’re more mature than a single person and it’s proven that drivers who are married file infrequent claims.
  • Bundling policies can get discounts – The majority of auto insurance companies will give a discount to customers that buy multiple policies in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to get quotes from other companies to make sure you are getting the best deal.
  • No coverage gaps is important – Allowing your auto insurance policy to lapse is a sure-fire way to increase your rates. In addition to paying higher rates, being ticketed for driving with no insurance may earn you a revoked license or a big fine.

Do drivers who switch really save?

Drivers can’t ignore all the ads that claim the lowest rates from the likes of 21st Century, Allstate and State Farm. They all seem to advertise the message that you can save if you switch your coverage to them.

That’s great but how can every company save you money? This is the way they can do it.

All companies have an ideal profile for the type of customer that will most likely be profitable. For example, a preferred risk might be described as married and over the age of 30, has a clear driving record, and does not commute to work. Someone that hits that “sweet spot” gets the lowest car insurance rates and have a good chance to save when switching.

Insureds who fall outside these standards may be required to pay a more expensive rate with the end result being business going elsewhere. If you listen to the ad wording, they say “people that switch” not “all people who quote” save that kind of money. This is how companies can advertise the way they do. This really emphasizes why you really should compare free insurance quotes often. It is impossible to guess which company will give you lower car insurance rates than your current company.

Car insurance coverage information

Understanding the coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, hitting a bird, damage from a tornado or hurricane, hitting a deer and rock chips in glass. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your Viper resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, colliding with another moving vehicle, driving through your garage door, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses for things like doctor visits, rehabilitation expenses and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages

Liability insurance can cover damage that occurs to other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as repair costs for stationary objects, medical expenses, loss of income, funeral expenses and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Dodge Viper.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Quote often and quote early

You just learned a lot of ways to lower your 2002 Dodge Viper insurance auto insurance rates. The key thing to remember is the more companies you get premium rates for, the better your comparison will be. Drivers may discover the best auto insurance rates are with a small local company. Regional companies may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.

Discount 2002 Dodge Viper insurance can be bought online and with local insurance agents, so you need to shop insurance with both to have the best rate selection. Some insurance providers may not have the ability to get a quote online and most of the time these smaller providers only sell through independent insurance agencies.

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