2017 Dodge Viper Insurance Quotes – 10 Tricks for Best Rates

Want lower insurance rates for your Dodge Viper? Wish you could get out of an underperforming, overpriced insurance policy? You’re in good company because many drivers have buyer’s remorse.

You have so many insurers to insure vehicles with, and although it’s nice to have multiple companies, it can be more challenging to get the best deal.

Smart consumers take time to compare prices periodically because prices change frequently. Just because you had the best price for Viper coverage six months ago you can probably find a lower rate today. Forget all the misinformation about insurance because we’re going to demonstrate the easiest way to eliminate unnecessary coverages and save money.

Choosing the best insurance company for you is not that difficult. Just about everyone who carries auto insurance should be able to lower their premiums. But drivers can benefit by having an understanding of how insurance companies market on the web and apply this information to your search.

Compare insurance quotes online

Most major insurance companies like Geico, State Farm and Progressive allow you to get coverage prices online. This process is possible for anyone as you simply type in the coverage amounts you desire into the form. After you complete the form, their quoting system makes automated requests for your driving record and credit report and gives you a price quote based on the information you submitted. Online price quotes makes it a lot easier to compare rates but the time required to go to different websites and type in your information can be a bit repetitive. But it’s absolutely necessary to do this if you are searching for the lowest price.

There is a better way to compare rates

The quickest way to compare insurance pricing requires only one form that obtains quotes from multiple companies. The form is fast, helps eliminate reptitive entry, and makes online shopping a lot less work. Immediately after you send the form, it gets priced with multiple companies and you can pick any one of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The whole process takes less than 15 minutes and can result in significant savings.

To find out how much you’re overpaying now, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you enter the insurance coverages identical to your current policy. Doing this assures you will have a price comparison for similar coverage.

Save $393 a year? Really?

Insurance coverage providers like Geico, State Farm and Progressive continually stream television and radio advertisements. They all seem to advertise the message about savings after switching to their company. How does each company give you a lower rate? Just pay attention to how they say it.

All companies are able to cherry pick for a prospective insured that will not have excessive claims. For example, a driver they prefer might be described as over the age of 35, has no prior claims, and the vehicle is rated for pleasure use. Anyone that matches those criteria may get the lowest premium rates and as a result will probably pay quite a bit less when switching companies.

Drivers who fall outside the requirements may be forced to pay higher premium rates and this results in the customer not purchasing. If you pay close attention to the ads, they say “drivers who switch” not “everyone that quotes” save that much money. That is how insurance companies can lure you into getting a quote. Because of these techniques, you absolutely need to compare quotes as often as possible. Because you cannot predict the company that will provide you with the cheapest car insurance rates.

Ten discounts for lower-cost car insurance quotes

Not many people think insurance is cheap, but you may be missing some discounts that can help lower your rates. Certain discounts will be applied when you get a quote, but some discounts are required to be asked for prior to receiving the credit.

  • Theft Prevention Discount – Cars with anti-theft systems help deter theft and can earn a small discount on your policy.
  • Clubs and Organizations – Affiliation with a qualifying organization may earn a discount on your bill.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Data Collection Discounts – Drivers who elect to allow driving data submission to study where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as the data is positive.
  • Seat Belt Usage – Forcing all vehicle occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • New Vehicle Savings – Putting insurance coverage on a new car can save you some money since new vehicles are generally safer.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you may save up to 20% off your total premium.
  • Paper-free Discount – Certain larger companies give back up to $50 shop insurance on the internet.
  • Discount for Low Mileage – Driving fewer miles could earn slightly better rates than normal.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

To find insurance companies who offer online car insurance quotes, click here to view.

You may need specialized auto insurance coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might help in determining if your situation will benefit from professional help.

  • Does insurance cover damages from a DUI accident?
  • Am I getting all the discounts available?
  • How do I buy GAP insurance?
  • Is my dog or cat covered if injured in an accident?
  • Does coverage extend to Mexico or Canada?
  • How high should my medical payments coverage be?
  • Am I covered if I break a side mirror?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Coverages available on your policy

Understanding the coverages of auto insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages available from auto insurance companies.

Auto liability

This can cover damage or injury you incur to other’s property or people in an accident. 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 liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as bail bonds, emergency aid, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hitting a deer and a broken windshield. The maximum payout a auto 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 it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Viper.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like funeral costs, prosthetic devices, rehabilitation expenses, pain medications and ambulance fees. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance pays for damage to your Viper resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, hitting a parking meter, rolling your car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Stretch your dollar

When trying to cut insurance costs, never reduce needed coverages to save money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to find out that the savings was not a smart move. Your aim should be to buy the best coverage you can find at the best price.

We just presented a lot of information how to compare 2017 Dodge Viper insurance auto insurance rates online. The key thing to remember is the more companies you get premium rates for, the better chance you’ll have of finding affordable insurance. You may even find the lowest priced car insurance comes from the smaller companies. These companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Geico and State Farm.

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