How Much Does 2003 Dodge Viper Insurance Cost?

Trying to find lower auto insurance rates? Buyers have many options when searching for affordable Dodge Viper insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to make rate comparisons. There are more efficient ways to shop for auto insurance so we’re going to tell you the best way to compare rates for a new or used Dodge and obtain the best price possible from both online companies and local agents.

You should take the time to compare premium rates yearly since insurance rates change quite often. Despite the fact that you may have had the best premium rates on Viper insurance a few years ago you can probably find a better price now. Forget all the misinformation about auto insurance because I’m going to teach you the quickest way to reduce your cost while increasing coverage.

Quote insurance coverage online

There are multiple methods to compare insurance coverage prices and some are less time-consuming than others. You could waste a few hours talking about coverages with agents in your area, or you can utilize the web to get prices fast.

Many companies take part in a program where insurance shoppers submit their information once, and every company returns a rated price for coverage. This saves time by eliminating form submissions to each individual insurance coverage company.

To enter your information into the quoting system, click here to start a free quote.

The one downside to using this type of system is you can’t choose which carriers you want to price. So if you prefer to choose specific providers to compare rates, we put together a list of low cost insurance coverage companies in your area. View list of insurance companies.

Compare rates however you want, just be certain you are entering exactly the same coverages for every company. If you compare different data it’s not possible to decipher which rate is best.

Discounts to earn affordable auto insurance rates

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be asked about before they will apply.

Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts can save a little off the medical payments premium.
Senior Citizen Rates – Drivers that qualify as senior citizens can get a small discount on rates on Viper insurance.
Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
Paper-free Discount – Some of the larger companies give back up to $50 just for signing your application on your computer.
Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
Defensive Driver Discount – Passing a course teaching defensive driver skills could cut 5% off your bill if you qualify.
Low Mileage – Keeping the miles down on your Dodge can earn substantially lower prices.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, nobody gets a free ride.

The best auto insurance companies and some of the premium reductions they offer are:

AAA offers premium reductions for good student, anti-theft, AAA membership discount, education and occupation, good driver, multi-car, and pay-in-full.
Progressive offers discounts including online quote discount, online signing, continuous coverage, good student, and multi-policy.
State Farm offers discounts for defensive driving training, multiple policy, good student, safe vehicle, accident-free, and passive restraint.
Esurance policyholders can earn discounts including renters, homeowner, claim free, anti-theft, multi-policy, Pac-12 alumni, and online shopper.
Nationwide may have discounts that include family plan, anti-theft, multi-policy, business or organization, defensive driving, Farm Bureau membership, and good student.

Before buying, ask each insurance company which credits you are entitled to. Some discounts listed above may not apply to policies in your state. To see companies that offer multiple discounts, follow this link.

Tailor your insurance coverage to you

When buying the right insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions might point out if you might need professional guidance.

Am I insured when driving a different vehicle?
What is an SR-22 filing?
Do I have coverage when using my vehicle for my home business?
Are all vehicle passengers covered by medical payments coverage?
Does my insurance cover my expensive audio equipment?
Why do I only qualify for high-risk insurance?
Is a blown tire covered by insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Car insurance 101

Having a good grasp of your insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills like EMT expenses, dental work, doctor visits and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a bird and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2003 Dodge Viper.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to other’s property or people. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as medical services, loss of income, legal defense fees, medical expenses and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy higher limits if possible.