Compare 1994 Dodge Viper Insurance Quotes

Sick and tired of not being able to scrape enough together to pay high insurance coverage rates every month? Your situation is no different than most other drivers. Online insurance companies like State Farm and Geico all claim big savings with TV and radio ads and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.

Do you qualify for discounts?

Companies offering auto insurance don’t always list their entire list of discounts in an easy-to-find place, so here is a list a few of the more well known as well as some of the hidden discounts you could be receiving when you buy auto insurance online. If you’re not getting every credit available, you are not getting the best rate possible.

  • Home Ownership Discount – Owning a home can save a few bucks because it means you have a higher level of financial diligence.
  • Professional Organizations – Belonging to a qualifying organization could earn you a nice discount on your bill.
  • Save over 55 – Drivers over the age of 55 may be able to get a small discount on rates for Viper coverage.
  • Accident Forgiveness Coverage – This one isn’t a discount, but certain companies will let one accident slide before they charge you more for coverage so long as you haven’t had any claims before the accident.
  • No Claim Discounts – Insureds who avoid accidents and claims pay much less compared to bad drivers.

Please keep in mind that many deductions do not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

If you would like to view insurance coverage companies who offer discounts, click here to view.

Don’t assume everyone needs the same insurance coverage

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation might need an agent’s assistance.

  • What exactly is covered by my policy?
  • How much liability coverage do I need in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Where can I get insurance after a DUI in my state?
  • What if I owe more than I can insure my car for?
  • Am I covered when pulling a rental trailer?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

The largest companies are not always cheapest

Drivers can’t get away from ads that claim the best rates by companies like State Farm, Geico and Progressive. They all tend to make the same promise that drivers can save some big amount if you get a free auto insurance quote and switch your policy.

That’s great but how can every company cost less than your current company? It’s all in the numbers.

All companies require specific criteria for the type of driver they prefer to insure. An example of a preferred risk may be between 25 and 40, has few claims, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” will probably get cheap premium rates as well as save if they switch.

People who fall outside those criteria will get more expensive rates and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers that switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can make it sound like they have such great rates.

That is why you absolutely need to compare rate quotes every year. Because you cannot predict which insurance companies will have the lowest rate quotes.

Car insurance coverages for a Dodge Viper

Having a good grasp of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses like chiropractic care, X-ray expenses, funeral costs and pain medications. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage protects you from damage that occurs to a person or their property. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, court costs and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your Viper from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, hitting a mailbox, crashing into a ditch, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Viper.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, damage from a tornado or hurricane, a broken windshield and hail damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

More comparisons equals lower rates

Low-cost 1994 Dodge Viper insurance is definitely available online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance coverage companies may not have internet price quotes and usually these small, regional companies only sell through independent agents.

Throughout this article, we presented a lot of ways to shop for 1994 Dodge Viper insurance online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding cheap auto insurance. Consumers may even find the best car insurance rates are with a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, Geico and Progressive.

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