1999 Dodge Viper Car Insurance Quotes – 10 Tips for Best Rates

Trying to find cheaper car insurance rates for your Dodge Viper? No car owner looks forward to buying car insurance, especially when it costs too dang much. Lots of insurers contend for your business, so it’s not easy to compare every insurance company and get the definite cheapest price

It’s important to shop coverage around quite often because car insurance prices change frequently. Even if you got the lowest rates for Viper insurance last year you can probably find a lower rate today. Block out anything you think you know about car insurance because we’re going to show you how to use the internet to find better rates and still maintain coverage.

The best way we recommend to get policy rate comparisons is to realize all the major auto insurance companies pay for the opportunity to give rate comparisons. The only thing you need to do is provide the companies a bit of rating information like how much coverage you want, how your vehicles are used, if you’re married, and what you do for a living. Your rating data is instantly provided to insurance carriers in your area and they respond with quotes very quickly.

Insurance agents can help

When it comes to buying coverage, there really is no single plan that fits everyone. Each situation is unique so your insurance should reflect that For instance, these questions may help you determine if your situation might need professional guidance.

What can I do if my company won’t pay a claim?
Are rental cars covered under my policy?
Are my friends covered when driving my 1999 Dodge Viper?
Are my tools covered if they get stolen from my vehicle?
Am I missing any policy discounts?
Do I have coverage when using my vehicle for my home business?
Do I have coverage if my license is suspended?
What is no-fault insurance?
Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this 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.

What auto insurance coverages do you need?

Knowing the specifics of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the normal coverages offered by auto insurance companies.

Liability coverages

Liability insurance protects you from damage or injury you incur to other people or 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 might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like loss of income, structural damage, medical expenses, legal defense fees and medical services. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, driving through your garage door, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. 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 are set the same as your liablity limits.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, hail damage, damage from a tornado or hurricane and damage from flooding. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills for pain medications, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle 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