How Much Does 2005 Dodge Viper Insurance Cost?

Are you at wits end from sacrificing to pay high auto insurance rates every month? You are no different than many other drivers.

Multiple car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

If you currently have car insurance, you will most likely be able to save some money using this information. Finding affordable coverage is quite easy. But vehicle owners do need to learn the way insurance companies sell insurance online.

Shop car insurance online

Shopping for lower car insurance rates is a ton of work if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon driving to agents in your area, or you can utilize the web to maximize your effort.

All the larger companies enroll in a system that allows shoppers to enter their policy data once, and each company then returns a price quote based on that data. This eliminates the need for quotation requests for each company.

To use this form to compare rates click to open in new window.

The one disadvantage to comparing rates this way is that consumers can’t choose the providers to receive prices from. If you prefer to choose specific providers to compare, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but compare the exact same coverage data with every price quote. If you use mixed coverages it will be impossible to find the best deal for your Dodge Viper. Having just a slight variation in coverage limits could skew the results. And when quoting car insurance, remember that obtaining a wide range of quotes will increase your chances of finding lower pricing. Some smaller insurers to not give quotes online, so it’s important to compare rates from the smaller companies as well.

Don’t assume everyone needs the same auto insurance coverage

When choosing coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Should I buy only the required minimum liability coverage?
  • Why does it cost so much to insure a teen driver?
  • Is upholstery damage covered by car insurance?
  • When should I buy a commercial auto policy?
  • Is motorclub coverage worth it?
  • Do I have coverage if my license is suspended?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage specifics

Having a good grasp of auto insurance aids in choosing the best coverages for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages found on most auto insurance policies.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, theft, damage from flooding and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

Collision coverage covers damage to your Viper caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as medical expenses, attorney fees, legal defense fees and medical services. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Viper.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses for things like rehabilitation expenses, X-ray expenses and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay