Cheaper 2006 Dodge Viper Insurance Rates

Looking for better insurance rates? Shoppers have many options when shopping for low-cost Dodge Viper insurance. You can either waste hours calling around to compare prices or utilize the internet to get rate quotes. There are both good and bad ways to buy insurance and we’ll show you the proper way to get price quotes for a Dodge and obtain the cheapest rates either online or from local insurance agents.

If you are insured now or are shopping for new coverage, you can use these tips to get lower rates and possibly find even better coverage. The purpose of this article is to teach you how car insurance quotes work and some tips to save money. Consumers just need to learn the tricks to compare prices online.

Car insurance quotes and discounts

Companies offering auto insurance do not list every disount available in an easy-to-find place, so the list below gives a summary of some of the more common and the more hidden credits available to lower your premiums when you buy car insurance online.

  • Defensive Driver Discount – Successfully completing a defensive driver course is a good idea and can lower rates and make you a better driver.
  • Responsible Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for Viper insurance than their less cautious counterparts.
  • Multi-Vehicle Discounts – Buying coverage for primary and secondary vehicles on one policy can get a discount for every vehicle.
  • Discounts for Federal Employees – Active or retired federal employment can earn a discount up to 10% for Viper insurance depending on your car insurance provider.
  • Senior Citizen Discount – Seniors could receive reduced rates for Viper insurance.
  • Clubs and Organizations – Affiliation with a qualifying organization could qualify you for a break on your policy.

As is typical with insurance, most discount credits are not given the the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

Companies and their possible discounts are shown below.

  • Farmers Insurance may offer discounts for electronic funds transfer, bundle discounts, alternative fuel, distant student, and pay in full.
  • State Farm has savings for passive restraint, multiple autos, Steer Clear safe driver discount, driver’s education, good driver, safe vehicle, and anti-theft.
  • Liberty Mutual may include discounts for multi-car, safety features, preferred payment discount, new vehicle discount, exclusive group savings, newly retired, and newly married.
  • MetLife has discounts for defensive driver, claim-free, good student, multi-policy, good driver, accident-free
  • Progressive policyholders can earn discounts including multi-policy, good student, continuous coverage, online signing, multi-vehicle, and homeowner.

If you need the cheapest car insurance quotes, ask every insurance company which discounts can lower your rates. Savings may not apply to policyholders in your area. To see a list of providers that offer discounts, click here.

How to buy insurance coverage

Reducing your 2006 Dodge Viper insurance rates doesn’t have to be difficult. All you need to do is spend a little time to compare rate quotes to see which company has cheaper car insurance quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The fastest way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This quick form keeps you from doing separate forms for each company. A single, simple form gets prices estimates direct from many companies. This is perfect if you don’t have a lot of time.
  2. A less efficient way to analyze rates is to take the time to go to the website for each individual company and fill out a new quote form. For examples sake, we’ll assume you want to compare prices for Farmers, Allstate and American Family. To do that, you would have to visit each site and enter your policy data, which is why first method is reommended.

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

The method you choose is up to you, but compare the same quote information for every company. If you enter unequal deductibles or liability limits you will not be able to make a fair comparison for your Dodge Viper.

How car insurance companies determine Dodge Viper insurance premiums

Part of the insurance buying process is learning the rating factors that help calculate the rates you pay for insurance. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with cheaper rates. Many factors are considered when premium rates are determined. Some factors are common sense such as your driving record, but some are less apparent like where you live and annual miles driven.

The items below are a few of the things companies use to determine premiums.

  • Drive fewer miles and save – The more you drive your Dodge in a year the higher your rates will be. The majority of insurers calculate prices based on their usage. Autos that do not get driven very much receive better premium rates than cars that get driven a lot. Double check that your insurance policy correctly shows the right rating data. Improper usage on your Viper may be costing you.
  • The higher your credit rating the lower your premiums – Having a bad credit history is likely to be a major factor in determining your rates. Insureds with very high credit ratings tend to be more responsible and file fewer claims than those with poor credit. So if your credit score can use some improvement, you could be paying less to insure your 2006 Dodge Viper by improving your rating.
  • Married drivers get cheaper prices – Being married can actually save you money when shopping for insurance. Marriage means you’re more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Car plus home equals more savings – Lots of insurance companies apply better rates to customers who carry more than one policy such as combining an auto and homeowners policy. This can amount to as much as ten percent or more Even if you’re getting this discount it’s in your best interest to compare other insurance prices to make sure you are getting the best deal.
  • Responsible drivers pay less – Drivers with clean records pay lower auto insurance prices than bad drivers. Even one citation can boost insurance rates forty percent or more. Drivers with severe tickets such as DUI or reckless driving may need to prove financial responsibility with their state in order to keep their license.
  • Higher premiums for specific jobs – Did you know your career choice can influence rates? Occupations such as military generals, executives and accountants tend to have higher premium rates because of intense work requirements and lengthy work days. Conversely, jobs such as scientists, engineers and retirees receive lower rates for Viper insurance.

Situations that may require an agent’s advice

When it comes to buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions may help highlight if your situation might need professional guidance.

  • I don’t drive much so do I pay less?
  • What can I do if my company denied a claim?
  • Is my cargo covered for damage or theft?
  • I have a DUI can I still get coverage?
  • Am I covered when driving on a suspended license?
  • Does coverage extend to a rental car in a foreign country?
  • Can I make deliveries for my home business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Are split liability limits better than a combined single limit?
  • Exactly who is provided coverage by my policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages and their meanings

Having a good grasp of a 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.

Liability insurance – Liability coverage provides protection from damage that occurs to people or other property. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as legal defense fees, loss of income, structural damage, attorney fees and repair costs for stationary objects. How much coverage you buy is your choice, but buy as large an amount as possible.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for expenses like rehabilitation expenses, dental work, nursing services and doctor visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Viper.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, damage from getting keyed, damage from a tornado or hurricane and theft. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

And the best car insurance company is…

We just showed you a lot of tips how to lower your 2006 Dodge Viper insurance rates. It’s most important to understand that the more you quote car insurance, the better your chances of lowering your auto insurance rates. Consumers could even find that the best price on car insurance is with a small local company.

When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. In many cases, consumers will sacrifice liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

A few companies may not offer internet price quotes and these smaller providers provide coverage only through independent agents. Budget-friendly car insurance is definitely available on the web in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture.

More information is available at the links below