Compare 1992 Dodge Viper Insurance Cost

Searching for the cheapest car insurance rates for your Dodge Viper? Locating the cheapest insurance for a new or used Dodge Viper could be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to buy car insurance so you’re going to learn the proper way to price shop coverage for a new or used Dodge and locate the cheapest rates from both online companies and local agents.

Consumers need to shop coverage around quite often because prices change regularly. Just because you found the best rates for Viper insurance on your last policy the chances are good that you can find a lower premium rate today. Ignore everything you know about car insurance because you’re going to get a crash course in one of the easiest ways to save money, get proper coverage and the best rates.

Eight things that influence your insurance premiums

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that go into determining your policy premiums. If you know what determines premiums, this empowers consumers to make smart changes that could result in much lower annual insurance costs.

• Bad drivers pay high prices – Only having one speeding ticket may increase your cost substantially. Drivers who don’t get tickets pay lower auto insurance prices than people who have multiple driving citations. Drivers with severe tickets like DUI or reckless driving may need to maintain a SR-22 with their state’s licensing department in order to keep their license.
• Your liability limits – Liability coverage will afford coverage when you are found liable for damages caused by your negligence. Liability provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• You might pay more if you are single – Having a significant other actually saves money on your auto insurance policy. Marriage may mean you are more responsible it has been statistically shown that married couples file fewer claims.
• GPS tracking and theft deterrents systems cut prices – Buying a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft.
• Always keep your coverage in force – Not having insurance can get your license suspended and companies may charge more for letting your coverage lapse. And not only will your rates increase, the inability to provide proof of insurance can result in a license revocation or jail time. Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Rates can drop if you have more than one policy – The majority of auto insurance companies allow better rates to customers that buy multiple policies such as combining an auto and homeowners policy. Even though this discount sounds good, drivers will still want to check prices from other companies to guarantee you are still saving the most.There is a good possibility that you can save even more even if you insure with multiple companies
• What are your comp and collision deductibles? – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some coverage claims are collision with another vehicle, hitting a deer, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles define how much you are required to spend if the claim is covered. The higher the amount the insured is willing to pay, the lower your rates will be for Viper insurance.
• Five star NHTSA crash test rating saves money – Vehicles with good safety scores cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and better occupant protection means lower claim amounts and more competitive rates for policyholders. If your Dodge scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

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Lower rates by qualifying for discounts

Not too many consumers would say car insurance is affordable, but you may find discounts that you may not even be aware of. Certain discounts will be applied at the time of quoting, but a few must be requested specifically before being credited.

• Membership in Organizations – Affiliation with specific professional or occupational memberships or organizations may earn a discount on your policy.
• Early Signing – Some car insurance companies give discounts for switching companies before your current coverage expires. You could save around 10% when you buy auto insurance online.
• Discounts for New Vehicles – Putting coverage on a new car may earn a small discount because newer models keep occupants safer.
• Paperless Signup – Some of the larger companies provide a small discount for buying your policy on the web.
• Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and qualify for as much as a 10% discount.
• Accident Free – Insureds with no claims or accidents have much lower rates as opposed to bad drivers.
• Smart Student Discounts – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school.
• Driving Data Discount – Drivers who agree to allow their company to spy on driving patterns remotely such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they have good driving habits.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

To find insurance companies that provide some of the discounts listed above, click this link.

Insurance is unique, just like you

When buying the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different.

For example, these questions might point out whether your personal situation might need an agent’s assistance.

• How can I force my company to pay a claim?
• Can I afford to pay high deductible claims out of pocket?
• Is extra glass coverage worth it?
• How much liability insurance is required?
• Do I have coverage if my license is suspended?
• At what point should I drop full coverage?
• Are my tools covered if they get stolen from my vehicle?
• What is PIP insurance?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage basics

Learning about specific coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as chiropractic care, hospital visits, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This will pay to fix damage to your Viper caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, scraping a guard rail, crashing into a building, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Auto liability insurance

This can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical services, court costs and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, fire damage and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Buy online or local, you save

People change insurance companies for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, an unsatisfactory settlement offer and questionable increases in premium. Whatever your reason, choosing a new company is easier than you think.

You just learned a lot of information how to get a better price on 1992 Dodge Viper insurance. The key concept to understand is the more quotes you get, the better likelihood of getting affordable auto insurance. You may even discover the lowest priced car insurance comes from the smaller companies.

Lower-priced car insurance is available from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies don’t offer the ability to get quotes online and most of the time these small insurance companies only sell through independent agencies.

To learn more, link through to these articles:

• Credit Impacts Car Insurance Rates (State Farm)
• Auto Insurance 101 (About.com)
• Understanding your Policy (NAIC.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Vehicle Size and Weight FAQ (iihs.org)

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