1995 Dodge Viper Insurance Quotes

Trying to find the cheapest auto insurance rates for your Dodge Viper? Cutting costs on Driversauto insurance can seem to be difficult for people who are new to shopping for insurance online. With so many options of companies, it can quickly become a real challenge to compare prices.

Consumers need to get comparison quotes quite often since prices change quite often. Despite the fact that you may have had the best rates on Viper coverage two years ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re going to learn the things you must know in order to save on auto insurance.

Car insurance quotes comparison

Effectively comparing car insurance prices can be a daunting task if you aren’t aware of the most efficient way to do it. You could spend your day driving to insurance agencies in your area, or you can utilize the internet to get pricing more quickly.

Many of the larger companies participate in a marketplace where insurance shoppers enter their policy data once, and every company then gives them pricing based on that information. This prevents consumers from doing quote forms for every car insurance company.

To enter your information into the quoting system, click here to start a free quote.

The single downside to using this type of system is you can’t choose which companies to receive prices from. So if you want to select individual companies to receive pricing from, we have assembled a list of low cost car insurance companies in your area. Click to view list.

Compare rates however you want, just make absolute certain that you use identical information for each comparison quote. If the quotes have different deductibles you will not be able to find the best deal for your Dodge Viper. Quoting even small variations in insurance coverages or limits can mean a large discrepancy in price. Keep in mind that making a lot of price comparisons increases the change that you will find a lower rate than you’re paying now. Some insurance companies are not set up to provide rate quotes online, so it’s necessary to compare rates from those companies as well.

These discounts can reduce car insurance rates

Buying car insurance is not cheap, but there could be significant discounts to cut the cost considerably. Most are applied at the time of quoting, but some may not be applied and must be inquired about prior to getting the savings.

  • Senior Citizen Rates – Older drivers can possibly qualify for a slight reduction on a car insurance quote on Viper coverage.
  • Discount for Low Mileage – Driving fewer miles could earn slightly better prices than normal.
  • Savings for New Vehicles – Buying a new car model can save you some money because newer models are generally safer.
  • Resident Student – Kids living away from home attending college and leave their car at home could get you a discount.
  • Good Grades Discount – Maintaining excellent grades may save you up to 25%. This discount can apply well after school through age 25.
  • Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Viper coverage with certain companies.
  • Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
  • Multiple Cars – Having multiple cars or trucks with the same company qualifies for this discount.
  • Good Driver Discount – Drivers who don’t get into accidents could pay up to 40% less on Viper coverage as compared to drivers with claims.

One thing to note about discounts is that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

Popular car insurance companies and some of their more popular discounts are detailed below.

  • Travelers offers discounts including early quote, multi-car, payment discounts, IntelliDrive, and multi-policy.
  • 21st Century has savings for automatic seat belts, teen driver, student driver, driver training, early bird, and anti-lock brakes.
  • State Farm may include discounts for multiple autos, good student, good driver, driver’s education, safe vehicle, anti-theft, and Drive Safe & Save.
  • Geico offers discounts for air bags, driver training, anti-lock brakes, membership and employees, and federal employee.
  • SAFECO may offer discounts for drive less, teen safe driver, safe driver, homeowner, bundle discounts, and anti-lock brakes.
  • AAA includes discounts for anti-theft, education and occupation, AAA membership discount, good driver, and good student.

It’s a good idea to ask each company or agent how you can save money. Some credits may not be offered everywhere.

Six things that influence your insurance rates

An important part of buying insurance is that you know the factors that go into determining your premiums. When you understand what influences your rates, this helps enable you to make changes that could help you find better insurance rates. Multiple criteria are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other factors are less obvious like where you live or how safe your car is.

  • More traffic means higher claims – Choosing to live in smaller towns and rural areas of the country can save you money when trying to find low car insurance rates. Urban drivers have to deal with more road rage incidents and higher rates of accident claims. Less people living in that area means reduced accidents.
  • Multiple policies with one company can save – Most major insurance companies apply a discount for people who consolidate policies with them such as combining an auto and homeowners policy. Even if you already get this discount, you may still want to check prices from other companies to confirm you are receiving the best rates possible. You may still save even more than the discount by buying from different companies
  • Be proud to be claim-free – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance companies give the best rates to people who file claims infrequently. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Married drivers pay less – Your spouse can get you a discount when buying insurance. Having a spouse generally demonstrates drivers are more stable financially it has been statistically shown that married drivers get in fewer accidents.
  • More stress means more cost – Occupations such as military personnel, executives and financial analysts have higher rates than average due to job stress and long work days. On the flip side, occupations such as professors, engineers and the unemployed get better rates on Viper coverage.
  • Liability protection risk factors in – Your policy’s liability coverage is the protection when you are ruled to be at fault for causing damage or personal injury in an accident. It provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive compared to physical damage coverage, so insureds should have plenty of protection for their assets.

When do I need an agent’s advice?

When buying the best auto insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

  • How can I get high-risk coverage after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are my friends covered when driving my 1995 Dodge Viper?
  • Is my 1995 Dodge Viper covered for flood damage?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

But they said I’d save $414 a year!

Well-known insurance coverage companies like State Farm, Geico and Progressive regularly use ads in print and on television. They all make the point that you can save just by switching your policy. How does every company give you a lower rate? Here is the trick they use.

All companies can use profiling for the type of customer they prefer to insure. An example of a profitable customer might be between the ages of 30 and 50, has no prior claims, and has great credit. Any driver who meets those qualifications will most likely get cheap rates and will cut their rates substantially.

Potential insureds who are not a match for the “perfect” profile will probably have to pay a higher rate with the end result being business going elsewhere. The trick companies use is to say “customers who switch” not “everyone who quotes” save that much when switching. That’s why companies can truthfully lure you into getting a quote.

This really emphasizes why it’s extremely important to get price quotes at each policy renewal. Because you cannot predict with any certainty which company will have the best premium rates at this point in time.

Auto insurance coverage options for a Dodge Viper

Having a good grasp of your auto insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 1995 Dodge Viper.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are set the same as your liablity limits.

Coverage for liability – Liability insurance will cover damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like attorney fees, structural damage, court costs and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision – This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, sustaining damage from a pot hole, sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive auto insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, damage from getting keyed, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like prosthetic devices, hospital visits, nursing services and doctor visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Smart consumers save more

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

Insureds switch companies for any number of reasons including questionable increases in premium, high prices, lack of trust in their agent or even denial of a claim. It doesn’t matter what your reason, switching companies is actually quite simple.

In this article, we presented many ways to reduce 1995 Dodge Viper insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding inexpensive car insurance. Consumers may even find the lowest premium rates come from a smaller regional carrier.

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