Cheap 2015 Dodge Viper Insurance Rates

Are you sick and tired of not being able to afford to pay high auto insurance rates every month? You are no different than many other consumers.

Multiple insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best rates possible.

It’s important to check auto insurance prices on a regular basis because prices are rarely the same from one policy term to another. Just because you had the best deal on Viper insurance a few years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the fastest way to lower your rates without sacrificing coverage.

How to buy auto insurance online

Effectively comparing auto insurance prices can take hours if you don’t utilize the most efficient way. You can waste a lot of time talking to insurance agencies in your area, or you could save time and use the web to get prices fast.

Many popular insurance companies enroll in a system where insurance shoppers enter their coverage request one time, and every company returns a rated price. This saves time by eliminating repetitive form submissions for every auto insurance company. To participate in this free quote system, click here to start a free quote.

The only downside to using this type of system is buyers cannot specifically choose which companies you want pricing from. If you wish to select specific insurance companies to request quotes from, we have a listing of auto insurance companies in your area. View list of insurance companies.

However you get your quotes, compare the exact same quote data on every quote. If you use differing limits then you won’t be able to determine which rate is truly the best. Even a minor difference in coverages could throw off the whole comparison. And when quoting auto insurance, remember that comparing more company’s prices helps improve the odds of finding the best price.

Get cheaper auto insurance with discounts

Companies don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so the following is a list of a few of the more well known and also the lesser-known credits available to lower your premiums when you buy insurance online.

  • Paperwork-free – A handful of auto insurance companies may give you up to $50 shop insurance over the internet.
  • Defensive Driver – Participating in a safe driver course may get you a small discount and easily recoup the cost of the course.
  • First Accident Forgiveness – This isn’t a discount exactly, but companies like State Farm, Progressive and GEICO may permit one accident before your rates go up if you are claim-free for a certain period of time.
  • Life Insurance – Not all auto insurance companies offer life insurance, but some may give you better premium rates if you take out some life insurance too.
  • Drivers Education – Have your child participate in a local driver’s education class in school.
  • Multiple Vehicles – Insuring several vehicles on one policy qualifies for this discount.
  • Good Grades Discount – A discount for being a good student may save as much as 25% on a insurance quote. You can use this discount normally until age 25.

As a sidenote, many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Even though it appears having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will help reduce the premium cost.

Popular auto insurance companies and some of the discounts include:

  • Mercury Insurance may include discounts for type of vehicle, accident-free, professional/association, multi-car, low natural disaster claims, and annual mileage.
  • Farmers Insurance offers premium reductions for youthful driver, multi-car, mature driver, switch companies, early shopping, and alternative fuel.
  • Farm Bureau discounts include driver training, youthful driver, 55 and retired, multi-vehicle, good student, and multi-policy.
  • State Farm offers discounts for driver’s education, anti-theft, multiple autos, good student, Drive Safe & Save, and passive restraint.
  • Allstate has savings for passive restraint, anti-lock brakes, good student, senior citizen, utility vehicle, economy car, and auto/life discount.
  • GEICO policyholders can earn discounts including air bags, five-year accident-free, seat belt use, defensive driver, daytime running lights, federal employee, and anti-theft.

When comparing rates, check with each company which discounts they offer. Some credits may not apply in your area.

Informed drivers know how to buy insurance coverage cheaper

Consumers need to have an understanding of some of the elements that come into play when calculating your premiums. If you have a feel for what determines premiums, this helps enable you to make changes that may result in big savings. Lots of things are considered when you get a price on insurance. Some factors are common sense such as your driving record, although some other factors are less obvious such as your marital status and annual miles driven.

The list below includes just a few of the factors used by insurance companies to determine rates.

  • Credit score impacts premium prices – An insured’s credit history factor in determining what you pay. If your credit can be improved, you could potentially save money when insuring your 2015 Dodge Viper by improving your credit score. Drivers with very good credit scores tend to be better risks to insure than drivers who have lower credit scores.
  • Youthful drivers pay higher premiums – More experienced drivers have been proven to be more responsible, cause fewer claims and accidents and are safer drivers.Teenage drivers are known to be careless and easily distracted when at the wheel of a vehicle so they pay higher insurance coverage rates.
  • Pay more out-of-pocket – The deductibles you choose state the amount of money you are willing to pay out-of-pocket in the event of a claim. Protection for physical damage, also called comprehensive and collision insurance, protects your car from damage. Examples of covered claims are rearending another vehicle, collision with a deer, or theft of your vehicle. The more you choose to pay out-of-pocket, the less your insurance coverage will be on Viper insurance.
  • Lower rates for cars with good safety ratings – Vehicles that have high safety ratings tend to be cheaper to insure. Highly rated vehicles protect occupants better and lower rates of occupant injuries means your insurance company pays less and thus lower rates. If your Dodge Viper is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Males pay higher prices – Over the last 50 years, statistics have shown females are less aggressive when driving. It does not mean women are better drivers. They both tend to get into auto accidents at about the same rate, but the men cause more damage. In addition to higher claims, males also get higher numbers of serious violations like DUI and reckless driving.
  • Responsible drivers pay less – Having just one ticket can bump up the cost twenty percent or more. Careful drivers get better rates as compared to those with violations. Drivers who have gotten dangerous tickets such as DUI, reckless driving or excessive speeding may be required to submit a SR-22 form with their state’s department of motor vehicles in order to keep their license.
  • Eliminate unneeded incidental coverages – There are a ton of additional coverages that can waste your money if you aren’t diligent. Things like rental car coverage, towing coverage, and additional equipment coverage are examples of these. You may think they are a good idea at first, but if you have no use for them get rid of them and save.
  • Rates are affected by your address – Having an address in small towns and rural areas is a good thing when it comes to insurance coverage. Fewer drivers and short commutes translates into fewer accidents and lower theft and vandalism rates. Urban drivers regularly have more auto accidents and more severe claims. Longer commute distances can result in more accidents.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might point out whether you could use an agent’s help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my policy pay for OEM or aftermarket parts?
  • When would I need rental car insurance?
  • Do I need an umbrella policy?
  • Do I pay less for low miles?
  • How can I get my company to pay me more for my totalled car?
  • What is PIP insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance buyers beware

Progressive, Allstate and GEICO consistently run ads on TV and radio. All the companies advertise the message that you’ll save big just by moving your auto insurance coverage to their company. Is it even possible that every company can give you a lower rate? This is the trick they use.

Insurance providers have specific guidelines for the right customer that earns them a profit. For example, a driver they prefer might have to be between the ages of 40 and 55, has had continuous coverage, and has a high credit rating. Anyone that hits that “sweet spot” will probably get cheap car insurance rates and therefore will pay quite a bit less when switching companies.

Consumers who cannot meet this stringent profile will probably have to pay a higher rate and this can result in the customer buying from a different company. If you listen to the ad wording, they say “drivers who switch” not “everybody who quotes” will save that much if they switch. That’s the way insurance companies can confidently make claims like that.

Because each company has a different risk profile, you need to compare quotes as often as possible. It’s impossible to know which auto insurance company will have the best premium rates.

Insurance coverage specifics

Understanding the coverages of your insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on the average insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, hitting a bird, a tree branch falling on your vehicle, a broken windshield and hail damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision insurance covers damage to your Viper caused by collision 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 protects against claims like backing into a parked car, damaging your car on a curb, hitting a parking meter, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance will cover damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like attorney fees, bail bonds, medical services and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses such as rehabilitation expenses, funeral costs, dental work and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2015 Dodge Viper.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Stretch your dollar

When you buy insurance online, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

Affordable 2015 Dodge Viper insurance is possible online and with local insurance agents, and you need to comparison shop both to have the best selection. A few companies do not offer internet price quotes and most of the time these regional insurance providers provide coverage only through local independent agents.

In this article, we presented some good ideas how you can lower your 2015 Dodge Viper insurance prices. The most important thing to understand is the more you quote insurance, the better your comparison will be. Consumers may even find the lowest prices come from an unexpected company. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

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