Cheaper 2004 Dodge Viper Insurance Quotes

Looking for better insurance coverage rates for your Dodge Viper? Having to pay for high-priced Dodge Viper insurance can dry up your funds and force you to cut corners elsewhere. Doing a rate comparison can lower your rates and help to make ends meet.

Many insurers compete for your insurance dollar, so it can be very hard to choose a provider and get the definite cheapest price

Low cost insurance coverage price quotes

There are a variety of methods to shop for insurance coverage, but some are more efficient than others. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could save time and use the internet to quickly compare rates.

Most major companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company then returns a price quote for coverage. This saves time by eliminating repetitive form submissions to each company.

To participate in this free quote system, click to open in new window.

The one downside to getting quotes like this is you cannot specify which carriers you will receive quotes from. So if you prefer to pick individual companies to request quotes from, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but do your best to enter the exact same coverage limits for each comparison quote. If each company quotes different liability limits it’s impossible to determine the best price for your Dodge Viper. Quoting even small variations in insurance coverages or limits can make a big difference in price. And when comparison shopping, comparing a large number of companies will enable you to find the best rates.

Cheaper rates by taking advantage of discounts

Companies offering auto insurance don’t list all possible discounts in a way that’s easy to find, so the following list contains a few of the more common and also the more inconspicuous credits that you can use to lower your rates.

• No Charge for an Accident – but certain companies will turn a blind eye to one accident before your rates go up as long as you don’t have any claims for a specific time period.
• Switch and Save Discount – Some insurance companies give discounts for buying a policy early. You could save around 10% when you buy car insurance online.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out some life insurance too.
• Paperless Signup – Many insurance companies will give you a small discount get car insurance over the internet.
• Accident-Free Discounts – Insureds with no claims or accidents can earn big discounts as compared to drivers with a long claim history.

Discounts lower rates, but most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, companies don’t profit that way.

A list of companies and a summarized list of policyholder discounts are included below.

• The Hartford has discounts for defensive driver, anti-theft, good student, bundle, air bag, and vehicle fuel type.
• American Family may offer discounts for good student, Steer into Savings, multi-vehicle, mySafetyValet, good driver, and TimeAway discount.
• Progressive policyholders can earn discounts including multi-vehicle, online quote discount, good student, homeowner, multi-policy, and online signing.
• Travelers may have discounts that include payment discounts, driver training, IntelliDrive, hybrid/electric vehicle, continuous insurance, student away at school, and save driver.
• Farmers Insurance discounts include homeowner, distant student, alternative fuel, teen driver, youthful driver, business and professional, and multi-car.
• USAA offers premium reductions for family discount, military installation, multi-vehicle, new vehicle, and multi-policy.
• Liberty Mutual has savings for good student, newly married, multi-car, preferred payment discount, and safety features.

If you want the cheapest car insurance quotes, ask all companies you are considering which discounts you may be entitled to. Savings may not be offered in your area. If you would like to view insurers who offer online insurance quotes, click here.

How much insurance coverage do I need?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you might need professional guidance.

• Why do I need rental car insurance?
• Does coverage extend to a rental car in a foreign country?
• Is extra glass coverage worth it?
• How much liability coverage do I need in my state?
• Are rock chip repairs covered?
• What exactly is covered by my policy?
• Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage information

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by auto insurance companies.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – Collision insurance pays to fix your vehicle from damage 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 pays for things like hitting a mailbox, sustaining damage from a pot hole, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical expenses – Med pay and PIP coverage kick in for expenses for pain medications, rehabilitation expenses, funeral costs, surgery and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability insurance – This coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like structural damage, bail bonds, loss of income and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto insurance – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, damage from a tornado or hurricane and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.