1997 Dodge Viper Car Insurance Rates – 10 Tips for Best Quotes

No car owner likes paying for insurance, especially when the price is too high.

Popular companies such as Geico, Progressive and Allstate all claim big savings with fancy advertisements and it can be hard to see through the deception and find the best price available.

Finding auto insurance

Shopping for lower auto insurance rates can take hours if you don’t utilize the easiest way. You can waste a lot of time talking to agents in your area, or you could use the internet to get rate comparisons in just a few minutes.

Most of the larger companies belong to an insurance system where insurance shoppers complete one form, and each company can give them a price based on the submitted data. This system prevents you from having to do 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 doing it this way is you don’t know exactly which providers to get quotes from. So if you prefer to pick individual companies to request quotes from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, ensure you are comparing the same coverages and limits on every quote you get. If you are comparing different coverage information you will not be able to decipher which rate is best. Just slight variations in insurance coverages could mean much higher rates. And when price shopping your coverage, comparing more rates from different companies helps improve the odds of finding the best offered rates. Not every company provides online rate quotes, so you need to compare quotes from them as well.

Lower-cost insurance coverage quotes with discounts

Car insurance companies don’t list every discount they offer very clearly, so the list below details some of the best known as well as the least known savings tricks you should be using when you buy car insurance online. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Buy New and Save – Buying coverage on a new vehicle may earn a small discount due to better safety requirements for new vehicles.
  • Data Collection Discounts – Drivers that enable their insurance coverage company to spy on vehicle usage by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they show good driving skills.
  • Discount for Swiching Early – A few insurance coverage companies allow discounts for buying a new policy before your current policy expires. Ten percent is about the average savings.
  • Distant College Student Discount – who are enrolled in higher education away from home and leave their car at home can receive lower rates.
  • Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Viper insurance with some insurance coverage companies.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower premium rates due to less chance of an accident.
  • Discount for Home Ownership – Owning a home can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.
  • Multiple Cars – Drivers who insure primary and secondary vehicles on a single policy can reduce rates for all insured vehicles.
  • Defensive Driving Course – Taking a class that teaches defensive driving techniques could earn you a small percentage discount and also improve your driving technique.
  • Active Military Service – Having a family member in the military could trigger a small discount.

A little disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts should definitely cut the amount you pay for coverage.

Some of the insurance companies that have some of the discounts shown above include:

When quoting, ask every insurance company how many discounts you can get. Discounts may not apply to policyholders in your area. To choose providers that offer multiple discounts, follow this link.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every insured’s 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.

  • What are the financial responsibility laws in my state?
  • How do I buy GAP insurance?
  • Is there coverage for injuries to my pets?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are rock chip repairs covered?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Car insurance policy specifics

Knowing the specifics of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types offered by car insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as doctor visits, EMT expenses and ambulance fees. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to 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

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1997 Dodge Viper.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

Collision coverage will pay to fix damage to your Viper caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability

Liability insurance will cover damage or injury you incur to other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like repair bills for other people’s vehicles, structural damage and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, hitting a deer and a tree branch falling on your vehicle. The highest amount 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 consider dropping full coverage.

Online plus local equals savings

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

We’ve covered a lot of techniques to compare 1997 Dodge Viper insurance prices online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the most savings is with the smaller companies. They can often provide lower rates in certain areas as compared to the big name companies such as Geico and State Farm.

Helpful articles