Save on 2016 Dodge Viper Insurance Cost

Finding low-cost insurance for a Dodge Viper can turn out to be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to shop for insurance and we’ll show you the quickest way to compare rates on a Dodge and obtain the best price possible.

Take advantage of every car insurance discount

Companies offering auto insurance don’t always advertise every discount they offer in a way that’s easy to find, so the below list has some of the best known in addition to some of the lesser obvious ways to save on car insurance. If you do not check that you are getting every discount you deserve, you are just wasting money.

  • ABS Brakes – Vehicles that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Fewer Miles Equal More Savings – Driving less could be rewarded with substantially lower rates.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for a slight reduction on a auto insurance quote for Viper insurance.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and will qualify for a discount on a auto insurance quote.
  • Discounts for Responsible Drivers – Drivers without accidents may save up to 50% more for Viper insurance compared to rates paid by drivers with frequent claims.

While discounts sound great, it’s important to understand that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

For a list of car insurance companies who offer car insurance discounts, follow this link.

How to get auto insurance quotes

All major auto insurance companies like State Farm and Allstate allow consumers to get price estimates direct online. Getting quotes is pretty easy as you just enter the amount of coverage you want on the page. Once you submit the form, their system obtains your driving and credit reports and returns pricing information determined by many factors.

Quoting online makes comparing rates easy, but the time it takes to visit several different sites and type in your information is a big time waster. But it’s absolutely necessary to do this if you want to find the lowest auto insurance rates.

There is an easier way to compare rates

The smarter way to compare rates requires only one form that gets prices from several different companies. The form is fast, requires much less work on your part, and makes quoting online much easier. Immediately after submitting the form, it gets priced with multiple companies and you can pick any of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process takes 15 minutes at the most and may result in a nice savings.

To save time and compare rates now, click here to open in new window and enter your information. If you currently have coverage, we recommend that you enter the coverage information as shown on your current policy. This ensures you will receive a price comparison for similar coverage.

How to know if you need help

When it comes to choosing adequate coverage, there isn’t really a best way to insure your cars. Each situation is unique.

For instance, these questions can help discover whether or not you might need professional guidance.

  • Will my insurance pay for OEM parts?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is pleasure use cheaper than using my 2016 Dodge Viper to commute?
  • When would I need rental car insurance?
  • Is business equipment covered while in my vehicle?
  • What if I total my 2016 Dodge Viper and owe more than it’s worth?
  • At what point should I drop full coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages 101

Having a good grasp of a insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Dodge Viper.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Collision insurance

This coverage covers damage to your Viper caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, rolling your car and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as hospital visits, pain medications and ambulance fees. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair costs for stationary objects, funeral expenses, legal defense fees, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a deer and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Don’t be a big spender

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. In too many instances, an insured cut full coverage to discover at claim time that it was a big mistake. The proper strategy is to buy the best coverage you can find at a price you can afford.

Some insurance providers do not provide rates over the internet and most of the time these regional insurance providers prefer to sell through independent insurance agents. Budget-friendly car insurance is attainable online and from local agencies, so you need to compare both to have the best rate selection.

Consumers leave their current company for any number of reasons including delays in paying claims, lack of trust in their agent, delays in responding to claim requests or questionable increases in premium. Regardless of your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.

Additional car insurance information is located below: