Cheap 2006 Dodge Viper Insurance Cost

Looking for better insurance rates for your Dodge Viper? Finding better insurance prices for a Dodge Viper can be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to find insurance online and we’ll show you the best way to get price quotes on a Dodge and get the lowest price either online or from local insurance agents.

Which insurance is cheapest?

Lowering your 2006 Dodge Viper insurance rates is actually quite simple. All you need to do is invest a little time comparing price quotes to discover which company has affordable insurance quotes. Insurance prices can be quoted by following the guidelines below.

The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This easy form saves time by eliminating a different quote for every insurance company. Just one form compares rates instantly. This is by far the quickest method.

A less efficient way to compare rate quotes requires a visit to each company website and request a quote. For example, we’ll assume you want to compare Farmers, GEICO and Allstate. In order to compare rates, you need to spend time on each company’s site and type in your information over and over, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.

Compare rates however you want, just be sure you’re using equivalent coverage data for every company. If you are comparing different limits and deductibles on each one you will not be able to make a fair rate comparison.

How much auto insurance do I need?

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help highlight if you might need professional guidance.

Am I covered if hit by an uninsured driver?
Is my trailer covered?
Should I carry comprehensive and collision coverage?
Can I rent a car in Mexico?
How much underlying liability do I need for an umbrella policy?
Is my 2006 Dodge Viper covered for flood damage?
How do I insure my teen driver?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your insurance policy

Knowing the specifics of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as surgery, dental work, chiropractic care, EMT expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Viper.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, fire damage and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

This protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as emergency aid, bail bonds, repair bills for other people’s vehicles, medical services and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

This coverage covers damage to your Viper resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, sideswiping another vehicle, crashing into a building and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.