Lower Your 2004 Dodge Viper Car Insurance Cost

Want better insurance coverage rates? Drivers have many options when trying to find low-cost Dodge Viper insurance. They can either spend hours calling around getting price quotes or utilize the internet to compare rates. There are more efficient ways to compare insurance coverage rates and you need to know the proper way to get price quotes on a Dodge and obtain the lowest price from both online companies and local agents.

Buying car insurance is not that difficult. If you are paying for car insurance now, you should be able to save some money using this information. Vehicle owners only need to know the proper methods to get comparison quotes over the internet.

Affordable insurance coverage rate quotes

Finding a lower price on 2004 Dodge Viper insurance can be surprisingly simple. You just need to take time comparing rates online with multiple companies. This can easily be done in several different ways.

  1. The simplest way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This quick form saves time by eliminating separate forms for each company. One form submission gets you coverage quotes from all major companies.It’s the quickest way to get rates.
  2. A more difficult way to analyze rates consists of going to each individual company website and request a quote. For example, we’ll pretend you want to view quotes from Farmers, State Farm and Travelers. To find out each rate you need to take the time to go to each site to enter the same coverage data repeatedly, which can get old fast.

    For a list of links to insurance companies in your area, click here.

  3. If you have time to kill, the last method to comparison shop is to waste gas driving to and from local insurance agencies. Quoting online makes this process obsolete unless you’re the type of person who wants the personal advice of an agent trained in personal lines coverage. However, consumers can comparison shop your insurance online but have your policy serviced through an agent.

Compare rates however you want, just be sure you’re using the exact same deductibles and coverage limits on every quote. If you enter different liability limits you will not be able to determine the best price for your Dodge Viper.

Do drivers who switch really save $402 a year?

Consumers can’t escape the ads that claim the cheapest rates by Progressive, Allstate and Geico. They all state the claim that people will save if you change to their company.

That’s great but how can every company say the same thing? Just pay attention to how they say it.

Insurance providers have an ideal profile for a prospective insured that will not have excessive claims. For instance, this type of risk profile should be over the age of 35, carries full coverage, and drives a car with an anti-theft system. Any new insured that matches those criteria gets the lowest premium rates and will probably save quite a bit of money when switching.

Potential customers who do not match those standards will be charged higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can confidently lure you into getting a quote. That is why you need to get insurance coverage quotes from several different companies. Because you never know the company that will have the best premium rates.

Don’t overlook these insurance discounts

Some companies do not advertise every discount in an easy-to-find place, so we researched a few of the more common as well as the least known discounts that you can inquire about if you buy insurance coverage online. If you aren’t receiving every discount available, you are throwing money away.

  • Military Discounts – Having a deployed family member could qualify you for better insurance rates.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • One Accident Forgiven – This one is not really a discount per se, but some companies like Allstate and Progressive will allow you to have one accident before raising your premiums if your claims history is clear prior to the accident.
  • Air Bag Discount – Options like air bags or automatic seat belts may earn rate discounts of 25 to 30%.
  • Save with a New Car – Buying insurance coverage on a new vehicle may earn a small discount because newer vehicles keep occupants safer.
  • Driver Training Discounts – Successfully completing a class that teaches driver safety techniques could earn you a small percentage discount if your company offers it.

Just know that some credits don’t apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, it’s just not the way it works.

To see a list of providers who offer free insurance quotes, follow this link.

When to get professional advice

When choosing the best insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether you would benefit from professional advice.

  • How much liability coverage do I need in my state?
  • Am I missing any policy discounts?
  • How can I force my company to pay a claim?
  • How much underlying liability do I need for an umbrella policy?
  • Is my dog or cat covered if injured in an accident?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my state a no-fault state?
  • Is my nanny covered when driving my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

What insurance coverages do you need?

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability – This coverage protects you from damages or injuries you inflict on other’s property or people. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as legal defense fees, court costs, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for immediate expenses such as X-ray expenses, nursing services and dental work. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Collision – Collision coverage covers damage to your Viper caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, damage from getting keyed and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Dodge Viper.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Buy Smart and Save

When shopping online for car insurance, it’s a bad idea to buy poor coverage just to save money. Too many times, an insured cut full coverage only to regret at claim time they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

Cost effective 2004 Dodge Viper insurance is available online as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not offer online quoting and usually these small, regional companies only sell coverage through independent agents.

Insureds leave their current company for a number of reasons such as being labeled a high risk driver, high prices, lack of trust in their agent or delays in paying claims. Regardless of your reason, finding a new company is less work than it seems.

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