1993 Dodge Viper Insurance Quotes

Want the cheapest auto insurance rates for your Dodge Viper? Are you irritated from scraping nickels together to keep your car insured? You are no different than most other people. Popular companies such as State Farm and Geico continually bombard you with TV and radio ads and it is difficult to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

You should make it a habit to price shop coverage occasionally because prices go up and down regularly. Just because you found the lowest price on Viper coverage at your last renewal there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because we’re going to demonstrate the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

Compare car insurance rate quotes

Lowering your 1993 Dodge Viper car insurance rates is not a difficult process. Consumers just need to take time to get quotes to find out which insurance company has cheaper auto insurance quotes. This is very easy and can be done by following the guidelines below.

The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This quick form keeps you from doing multiple quote forms for each company. One form submission will return price quotes from multiple companies.

A more difficult way to get comparison quotes is going to the website for each individual company to complete a price quote. For sake of this example, we’ll assume you want to compare rates from State Farm, 21st Century and Allstate. To get rate quotes you would need to take the time to go to each site and repeatedly type in your coverage information, which is not fast way to get rate quotes.

For a handy list of car insurance company links in your area, click here.

If you have time to kill, the last way to find lower rates is calling or driving to each insurance agency near you. Shopping for car insurance online can eliminate the need for a local agent unless your situation requires the guidance that can only be provided by a licensed insurance agent. It is possible with some companies find lower rates online but have a local agent actually write the policy.

Whichever way you use, ensure you are comparing the exact same coverage data on every price quote you get. If you have different limits and deductibles on each one it will be nearly impossible to determine the best price for your Dodge Viper.

Discounts for affordable auto insurance rates

Some insurance providers don’t always publicize all disounts in an easy-to-find place, so we break down both the well known and the more hidden auto insurance savings. If you check and find you aren’t receiving every discount available, you may be paying too high a price.

• Early Renewal Discounts – Some auto insurance companies provide a discount for buying a policy prior to the expiration date on your current policy. You can save around 10% with this discount.
• Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for lower premium rates due to less chance of an accident.
• Multi-line Discount – Not all auto insurance companies offer life insurance, but some may give you a break if you buy a life policy as well.
• Active Military Service – Having a deployed family member may lower your auto insurance rates slightly.
• Paper-free Discount – Some of the larger companies will give a small break get auto insurance on the internet.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks off the medical payments premium.
• Drivers Ed for Students – Teen drivers should complete a driver education course in school or through a local driver safety program.
• Waiver for an Accident – Not necessarily a discount, but some insurance companies will let one accident slide without the usual rate increase so long as you haven’t had any claims for a specific time period.
• Home Ownership Discount – Owning a home can save a few bucks because owning a home requires personal responsibility.
• Accident Free – Insureds with no claims or accidents can earn big discounts when compared with drivers who are more careless.

It’s important to understand that most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

To locate auto insurance companies who offer auto insurance discounts, follow this link.

Tailor your car insurance coverage to you

When buying coverage, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if you might need professional guidance.

• Do I need to file an SR-22 for a DUI in my state?
• Does my policy cover me when driving someone else’s vehicle?
• Are split liability limits better than a combined single limit?
• Am I covered if I hit a deer?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered when delivering products for my home-based business?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Specifics of your car insurance policy

Understanding the coverages of car insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by car insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, damage from flooding and rock chips in glass. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your 1993 Dodge Viper.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like rehabilitation expenses, pain medications, prosthetic devices, X-ray expenses and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This pays for damage to your Viper from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, crashing into a building, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance protects you from damage that occurs to other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as loss of income, medical services, funeral expenses and bail bonds. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.