Cheaper 2015 Dodge Viper Insurance Quotes

Trying to come up with a payment for pricey insurance can bottom out your bank account, especially in this economy. Performing a rate comparison is a fast and free way to make ends meet.

Companies like Geico and Progressive promote their brand names with catchy ads and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

If you have a policy now or need a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. Buying car insurance is quite easy. Drivers just need to learn the best way to buy insurance coverage over the internet.

Insurance rates and discounts

Properly insuring your vehicles can get expensive, but you can get discounts that can help lower your rates. Many discounts should be triggered when you get a quote, but some must be specifically requested prior to receiving the credit.

Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
Discounts for Multiple Vehicles – Buying insurance for primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
Active Military Service – Being deployed in the military can result in better rates.
Passive Restraint Discount – Factory air bags or motorized seat belts may earn rate discounts as much as 30%.
Discount for Low Mileage – Maintaining low annual mileage could earn lower premium rates due to less chance of an accident.
Early Renewal Discounts – A few insurance companies offer discounts for signing up before your current policy expires. You can save around 10% with this discount.
ABS Braking Discount – Cars equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
Clubs and Organizations – Having an affiliation with a civic or occupational organization could earn you a nice discount on your policy.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, insurance companies aren’t that generous. But all discounts will reduce the premium cost.

Large insurance companies and some of the premium reductions they offer are outlined below.

Geico policyholders can earn discounts including anti-theft, emergency military deployment, anti-lock brakes, multi-policy, air bags, and daytime running lights.
Mercury Insurance offers premium reductions for type of vehicle, ease of repair, low natural disaster claims, age of vehicle, annual mileage, location of vehicle, and multi-car.
Farmers Insurance may have discounts that include early shopping, homeowner, teen driver, distant student, business and professional, good student, and mature driver.
Auto-Owners Insurance includes discounts for safe vehicle, anti-lock brakes, company car, good student, and multiple vehicles.
Liberty Mutual may offer discounts for new graduate, multi-car, newly married, hybrid vehicle, teen driver discount, safety features, and newly retired.
SAFECO has discounts for safe driver, bundle discounts, teen safety rewards, anti-lock brakes, drive less, and homeowner.
Progressive discounts include online quote discount, multi-policy, multi-vehicle, continuous coverage, and good student.
USAA has savings for annual mileage, safe driver, defensive driver, good student, multi-vehicle, and military installation.

When getting free insurance coverage quotes, it’s a good idea to every prospective company how you can save money. Discounts might not apply in your area. To view insurance companies that have a full spectrum of discounts, follow this link.

Compare quotes for auto insurance

There are several ways to shop for auto insurance, but some are more efficient than others. You can spend your afternoon talking to insurance companies in your area, or you can utilize the internet for quick rates.

Many companies enroll in a system that allows shoppers to enter their coverage request one time, and at least one company can give them a price based on the submitted data. This eliminates the need for repetitive form submissions for each company you want a rate for.

To compare rates using this form now click to open in new window.

The single downside to pricing coverage this way is you can’t choose the insurers to receive prices from. So if you want to choose individual companies to compare prices, we have a page of low cost auto insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just double check that you are using apples-to-apples quote data for every company. If you use different deductibles it will be next to impossible to get a fair rate comparison.

Situations that may require an agent’s advice

When it comes to buying coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might point out if you will benefit from professional help.

Am I covered if I drive in a foreign country?
Does my insurance cover damage caused when ticketed for reckless driving?
Do I need roadside assistance coverage?
Which companies will insure high-risk drivers?
Should I buy more coverage than the required minimum liability coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Why does it cost so much to insure a teen driver?
Do I have any recourse if my insurance company denies a claim?
How do I insure my teen driver?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Specifics of your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as funeral costs, prosthetic devices, rehabilitation expenses and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, hitting a deer, falling objects, theft and hitting a bird. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

This covers damage to your Viper resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability insurance

This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to 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. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims like medical expenses, attorney fees, emergency aid, court costs and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Viper.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Save for a rainy day

You just learned some good ideas how you can lower your 2015 Dodge Viper insurance rates. The key concept to understand is the more quotes you get, the better likelihood of getting inexpensive insurance coverage. Drivers may discover the lowest rates are with an unexpected company. They may only write in your state and offer lower car insurance rates than the large multi-state companies such as Progressive and Geico.

Affordable 2015 Dodge Viper insurance is possible from both online companies as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies may not provide rate quotes online and usually these regional carriers only sell coverage through independent insurance agencies.