Lower Your 2008 Dodge Viper Insurance Quotes

Trying to find better auto insurance rates for your Dodge Viper? High-priced Dodge Viper insurance can sap your checking account and force you to make tough financial choices.

There are many insurance companies to insure vehicles with, and even though it’s nice to have a choice, too many choices makes it more difficult to find the best rates.

You need to get comparison quotes occasionally due to the fact that insurance prices fluctuate regularly. Just because you found the best deal for Viper insurance a couple years back you can probably find a better rate quote now. Ignore everything you know about auto insurance because you’re about to learn the quickest way to properly buy coverages and cut your premium.

This information will familiarize you with how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Although car owners need to have an understanding of the way companies determine prices and apply this information to your search.

How to compare car insurance quotes

Most of the larger companies such as State Farm and Allstate allow consumers to get pricing online. Getting quotes is fairly straightforward as you simply type in your coverage preferences as requested by the quote form. Upon sending the form, their system sends out for information on your driving record and credit history and returns a price quote based on the information you submitted. Online price quotes streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes if you want to find better car insurance pricing.

The smarter way to find cheaper rates uses just one form that analyzes rates from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much easier. After your information is entered, your coverage is rated and you can choose any of the returned quotes.

If you find a better price you simply finish the application and buy the policy. The whole process takes 15 minutes at the most and may save quite a bit of money.

In order to compare pricing, click here and submit the form. To compare your current rates, we recommend you copy the insurance coverages just like they are on your policy. This guarantees you will have an apples-to-apples comparison for the exact same coverage.

Car insurance ads bend the truth

Well-known car insurance companies like State Farm and Allstate endlessly run ads on television and other media. They all make the point about savings if you switch your car insurance coverage to their company. Is it even possible that every company can say the same thing? You have to listen carefully.

Car insurance companies have specific guidelines for the type of driver that earns them the highest profit. An example of this type of driver should be married and over the age of 30, has no driving citations, and drives less than 10,000 miles a year. Any new insured who fits those characteristics will get very good prices and will save if they switch.

People who are not a match for these standards will see higher premiums and this results in the prospect going elsewhere. The ads say “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way companies can make those claims.

Because each company has a different risk profile, you absolutely need to do a quote comparison often. Because without a comparison, you cannot know which company will fit you best based on your risk profile.

Components of your Dodge Viper insurance prices

Multiple criteria are taken into consideration when quoting car insurance. Some are pretty understandable such as your driving history, although others are less obvious like your vehicle usage and annual miles driven.Consumers need to have an understanding of some of the things that aid in calculating the rates you pay for insurance coverage. If you understand what influences your rates, this enables informed choices that could help you find lower insurance coverage prices.

Shown below are some of the major factors insurance coverage companies consider when setting your prices.

  • Lower miles driven equals lower premium – The more you drive every year the higher the price you pay to insure it. Most insurance companies rate vehicles partially by how you use the vehicle. Autos used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your insurance coverage declarations sheet is showing the correct usage. Incorrect rating for your Viper can cost quite a bit.
  • Rates can be impacted by your employer – Occupations like real estate brokers, architects and accountants have higher rates than average in part from stressful work requirements and extremely grueling work hours. Other occupations like professors, students and homemakers pay lower than average rates for Viper insurance.
  • File a insurance coverage claims and pay more – Companies award better rates to drivers who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can expect increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Increase physical damage deductibles and save – The deductibles are how much you are willing to pay if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Examples of some claims that would be covered are collision with another vehicle, damage caused by hail, and having a roll-over accident. The higher the amount the insured is willing to pay, the better rate you will receive for Viper insurance.
  • Credit rating impacts rates – Your credit score can be an important factor in determining what you pay. People that have excellent credit tend to be more responsible than drivers with worse credit. Therefore, if your credit score is lower than you’d like, you may save money insuring your 2008 Dodge Viper by spending a little time repairing your credit.

Lower rates by qualifying for discounts

Some insurers do not list all disounts in an easy-to-find place, so the next list breaks down both well-publicized and the harder-to-find car insurance savings.

  • Resident Student – living away from home attending college without a vehicle on campus may be able to be covered for less.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Viper insurance.
  • Multi-car Discount – Having several vehicles with the same company may reduce the rate for each vehicle.
  • Student Discounts – This discount can save 20 to 25%. You can use this discount normally up to age 25.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.
  • Discount for New Cars – Buying a new car model can cost up to 25% less since newer models have better safety ratings.
  • Accident-Free Discounts – Drivers who stay claim-free pay much less as compared to bad drivers.
  • Telematics Data – Drivers who agree to allow driving data collection to spy on when and where they use their vehicle remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they exhibit good driving behavior.

As a sidenote, most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will help lower the cost of coverage.

A list of companies and some of the premium reductions they offer can be found below.

  • State Farm discounts include good student, accident-free, safe vehicle, Drive Safe & Save, multiple policy, and multiple autos.
  • Farmers Insurance has discounts for business and professional, good student, homeowner, distant student, mature driver, and switch companies.
  • Progressive may have discounts that include multi-vehicle, online signing, homeowner, multi-policy, good student, and online quote discount.
  • Geico offers premium reductions for federal employee, defensive driver, good student, air bags, daytime running lights, multi-vehicle, and membership and employees.
  • Auto-Owners Insurance may include discounts for air bags, multi-policy, teen driver, safe driver, and mature driver.
  • The Hartford offers discounts including vehicle fuel type, bundle, good student, driver training, defensive driver, and air bag.
  • Farm Bureau policyholders can earn discounts including driver training, 55 and retired, youthful driver, multi-policy, and multi-vehicle.
  • USAA may offer discounts for annual mileage, loyalty savings, defensive driver, multi-vehicle, and family discount.

When quoting, ask all the companies which discounts you qualify for. Some discounts listed above may not apply to policies in your area. To locate insurers with discount car insurance rates, click this link.

Car insurance is unique, just like you

When choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might point out if your insurance needs may require specific advice.

  • Can my babysitter drive my car?
  • Will my rates increase for filing one claim?
  • If my pet gets injured in an accident are they covered?
  • Am I covered when pulling a rental trailer?
  • Are my friends covered when driving my car?
  • What can I do if my company denied a claim?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage information

Knowing the specifics of insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Coverage for medical expenses – Med pay and PIP coverage kick in for bills for things like nursing services, hospital visits and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

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

Comprehensive coverage pays for things like rock chips in glass, damage from a tornado or hurricane and a broken windshield. The maximum payout 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 it’s not worth carrying full coverage.

Liability car insurance – Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, emergency aid and structural damage. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision coverage – Collision insurance will pay to fix damage to your Viper resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, crashing into a building, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2008 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. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

One last thing about your coverage

The cheapest 2008 Dodge Viper insurance can be sourced from both online companies in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies may not offer online price quotes and usually these small, regional companies provide coverage only through independent insurance agencies.

In this article, we covered a lot of information how to compare 2008 Dodge Viper insurance premium rates online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even find the biggest savings come from the least-expected company. They may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

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