Want lower insurance coverage rates for your Dodge Viper? Are you regretting the purchase of overpriced insurance coverage? Believe me when I say there are many consumers feeling the pinch from expensive insurance coverage. Online insurance companies like Geico, Farmers Insurance and State Farm persitently shower you with advertising and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.
All the larger insurance companies give coverage price quotes on their websites. Doing online quotes is fairly straightforward as you just type in the coverages you want into a form. Once you submit the form, their system pulls your driving record and credit report and provides a quote based on the data you entered. This helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively type in the same information can get tiresome after awhile. But it’s very important to have as many quotes as possible in order to get better prices.
There is a better way!
The smarter way to locate the lowest prices utilizes a single form that obtains quotes from a lot of companies. It saves time, requires much less work on your part, and makes online shopping much easier to do. After sending your information, your coverage is rated with multiple companies and you can pick any one of the pricing results.
If you find a better price you simply finish the application and buy the new coverage. The entire process only takes a few minutes and you’ll know if lower rates are available.
To find out how much you can save on insurance, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended you copy deductibles and limits as close as possible to your current policy. This guarantees you’re receiving a fair comparison using the same coverage and limits.
Consumers get pounded daily by advertisements that promise big savings by Geico, State Farm and Progressive. They all advertise the message about how much you will save after switching your policy.
But how can every company offer you a better deal? It’s all in how they say it.
Most companies quote their best rates for the type of driver that will generate a profit. One example of a preferred risk may be between the ages of 30 and 50, has no prior claims, and the vehicle is rated for pleasure use. Any person who meets those qualifications gets the lowest prices and is almost guaranteed to save money with a new company.
Drivers who fall short of those standards will probably be forced to pay more expensive rates and this results in business going elsewhere. If you pay attention, the ads say “people who switch” but not “everyone who gets a quote” save money. This is how insurance companies can make claims like that.
Because of the profiling, you really should compare price quotes frequently. Because you cannot predict which company will have the best car insurance rates at this point in time.
Not too many consumers would say insurance is affordable, but you might be missing out on some discounts to cut the cost considerably. Some discounts apply automatically when you get a quote, but a few must be specifically requested prior to receiving the credit.
It’s important to understand that many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, it doesn’t quite work that way.
Popular insurance companies and the discounts they provide are shown below.
Check with every prospective company which discounts you may be entitled to. Savings might not be offered on policies in your area. To choose insurance companies that offer some of these discounts, click this link.
When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance reimburse you for expenses for rehabilitation expenses, hospital visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Collision protection
Collision insurance pays to fix your vehicle from damage caused by 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 protects against claims like damaging your car on a curb, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.
Liability insurance
This coverage provides protection from damage that occurs to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers things like attorney fees, medical expenses, court costs and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Viper.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Comprehensive coverage
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, hitting a bird, rock chips in glass and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Cheap 1996 Dodge Viper insurance is attainable both online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not have online price quotes and usually these small insurance companies only sell coverage through independent agents.
In this article, we covered some good ideas how to shop for 1996 Dodge Viper insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.
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