Compare 2009 Dodge Viper Car Insurance Rates

Trying to find lower car insurance rates for your Dodge Viper? Wish you could get out of an expensive car insurance policy? You’re in good company because you’re not alone.

You have so many insurance companies to buy insurance from, and although it’s a good thing to have a selection, it makes it harder to compare company pricing.

Four tips to get cheap insurance prices

When buying insurance it’s important to understand the rating factors that help calculate your insurance rates. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with lower premium levels.

  • An active insurance claims history can cost you – If you’re an insured who likes to file claims you should expect much higher rates or policy non-renewal. Insurance companies provide better rates to insureds who are not frequent claim filers. Insurance coverage is intended for more catestrophic claims.
  • Drive lots and pay more – Driving more miles in a year the more you’ll pay to insure your vehicle. A lot of insurance companies rate vehicles based on how the vehicle is used. Vehicles not used for work or commuting receive better premium rates compared to those used for work or business. It’s always a good idea to double check that your insurance declarations sheet correctly shows annual mileage, because improper ratings can cost you money. A policy that improperly rates your Viper can result in significantly higher rates.
  • Is you occupation costing you more? – Occupations such as military generals, executives and medical professionals usually pay higher premium rates because of intense work-related stress and lots of time spent away from family. Conversely, jobs like professors, students and retirees get better rates for Viper insurance.
  • Maintain insurance coverage – Having an insurance coverage lapse is a sure-fire way to increase your rates. Not only will you pay more, getting caught without coverage will get you a hefty fine and possibly a revoked license.

How to get free auto insurance quotes online

When comparison shopping, there are several ways to compare rate quotes from auto insurance companies in your area. The recommended way to find the lowest 2009 Dodge Viper rates consists of shopping online. This is very easy and can be done using a couple different methods.

  1. The single most time-saving way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do separate quotation requests for every prospective company. Just one form will return price quotes direct from many companies.
  2. A harder way to find more affordable insurance requires a trip to the website for every company you want to comare and go through the quote process again. For examples sake, we’ll assume you want to compare USAA, 21st Century and State Farm. To find out each rate you need to navigate to each company’s site and type in your information over and over, and that explains why we recommend the first method.

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

Compare rates however you want, just make sure you compare exactly the same coverages and limits for each quote you get. If your comparisons have differing limits you will not be able to make a fair rate comparison. Slightly different insurance coverages or limits can mean a large discrepancy in price. And when comparing auto insurance rates, know that comparing all the rates in your area helps increase your odds of locating the best offered rates. Some insurance companies are not set up to provide quotes online, so it’s important to also get quotes from them, too.

More discounts mean cheap premiums

Companies offering auto insurance do not advertise every available discount very clearly, so below is a list some of the more common as well as the least known credits that you can use to lower your rates.

  • Passive Restraints – Options like air bags or automatic seat belts may get savings up to 30%.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in high school.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and qualify for as much as a 10% discount.
  • Defensive Driver Discounts – Taking time to complete a class that teaches safe driver techniques could cut 5% off your bill and also improve your driving technique.
  • New Car Discount – Buying coverage on a new vehicle may earn a small discount because newer models are generally safer.

As a sidenote, most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.

A few popular companies and some of the discounts can be read below.

  • Esurance offers discounts including Pac-12 alumni, anti-theft, defensive driver, homeowner, paid-in-full, and anti-lock brakes.
  • The Hartford may have discounts that include bundle, good student, anti-theft, defensive driver, and vehicle fuel type.
  • AAA may include discounts for anti-theft, good student, good driver, education and occupation, multi-car, multi-policy, and pay-in-full.
  • Geico offers discounts for air bags, defensive driver, driver training, federal employee, seat belt use, anti-lock brakes, and good student.
  • State Farm discounts include multiple policy, driver’s education, Steer Clear safe driver discount, good driver, and student away at school.

If you want cheap auto insurance quotes, ask every insurance company which discounts they offer. Some discounts might not be offered on policies in every state. To find insurance companies with discount rates, click here to view.

It’s not one size fits all

When buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique so your insurance needs to address that. For example, these questions could help you determine if your situation may require specific advice.

  • What is medical payments coverage?
  • Is business equipment covered while in my vehicle?
  • Am I better off with higher deductibles on my 2009 Dodge Viper?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What if I don’t agree with a claim settlement offer?
  • Is my ex-spouse still covered by my policy?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Specific coverage details

Knowing the specifics of a insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Viper.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like rehabilitation expenses, EMT expenses and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability

Liability coverage provides protection from injuries or damage you cause to a person or their property. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like attorney fees, medical services and funeral expenses. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, damage from flooding, hail damage, falling objects and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

This covers damage to your Viper from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Shop Smart and Save

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced uninsured motorist or liability limits and learned later that the savings was not a smart move. Your goal is to buy enough coverage at the best possible price, not the least amount of coverage.

Discount 2009 Dodge Viper insurance can be purchased on the web and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not offer online rate quotes and these smaller companies sell through local independent agencies.

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