Lower Your 1996 Dodge Viper Car Insurance Quotes

Consumers have lots of choices when looking for affordable Dodge Viper insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to find the lowest rates. There are both good and bad ways to shop for car insurance so you’re going to learn the quickest way to get price quotes for your Dodge and locate the lowest possible price either online or from local insurance agents.

You should make it a habit to get comparison quotes occasionally because prices go up and down regularly. Even if you think you had the best deal for Viper insurance a few years ago there may be better deals available now. You’ll find a ton of advice on car insurance online but we’re going to give you the best ways to find affordable car insurance.

Which insurance coverage is cheapest?

Getting cheaper 1996 Dodge Viper insurance coverage pricing is not a difficult process. All that’s required is to take time to compare rate quotes from some recommended companies. It’s really simple and can be done using one of these methods.

  1. The fastest way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do repetitive form submissions for every prospective company. One form will get you rate comparisons from many national carriers. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to obtain and compare quotes online requires visiting each company’s website and get a separate price quote. For sake of this example, we’ll pretend you want to compare rates from Liberty Mutual, Esurance and GEICO. In order to get each rate, you would have to take the time to go to each site to input your insurance information, which is why first method is reommended.

    To view a list of companies in your area, click here.

Whichever way you use, make sure you are using exactly the same coverage information on every quote you get. If your comparisons have different values for each quote it’s not possible to determine the lowest rate for your Dodge Viper.

Do drivers who switch really save?

Consumers can’t escape the ads for auto insurance savings from the likes of State Farm, Allstate and GEICO. All the companies convey the message that people will save just by moving your coverage to them.

That’s great but how can every company sell you cheaper insurance coverage?

Insurance providers offer their best rates for a prospective insured they prefer to insure. For instance, this type of insured might be described as a female over age 40, has no driving citations, and has a short commute. A propective insured that fits those parameters will get the preferred premium rates and as a result will probably save quite a bit of money when switching.

Consumers who don’t qualify for those standards will be quoted more expensive rates with the end result being business not being written. The trick is to say “people who switch” not “everyone who quotes” can get the lowest rates when switching. This is how insurance companies can claim big savings. Because each company has a different risk profile, drivers must compare quotes as often as possible. Because without a comparison, you cannot know with any certainty which company will have the lowest rates.

How car insurance companies calculate Dodge Viper insurance rates

Lots of things are considered when you quote your car insurance policy. Some factors are common sense like an MVR report, although others are less apparent like where you live or your financial responsibility.

  • Your gender affects rates – Over time, data shows that females take fewer risks when driving. This data doesn’t prove that women are BETTER drivers than men. Men and women get in accidents in similar numbers, but the men have costlier accidents. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Young males are the most expensive to insure and thus pay the highest rates.
  • Youthful drivers cost more – Beginning drivers tend to be easily distracted with other occupants in the car and because of this, their insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, tend to cause fewer accidents .
  • Don’t skimp on liability insurance – The liability section of your policy is the protection in the event that you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense which can cost a lot. It is affordable coverage when compared with rates for comp and collision, so buy as much as you can afford.
  • Extra coverages can waste money – There are a lot of add-on coverages that can waste your money if you aren’t diligent. Insurance for replacement cost coverage, accident forgiveness, and membership fees are examples of these. These may sound like a good investment when buying your policy, but your money might be better spent on other coverage so consider taking them off your policy.
  • Certain jobs raise premiums – Occupations like military generals, business owners and stock brokers tend to pay the highest rates attributed to high stress and lengthy work days. On the other hand, careers like professors, students and retirees pay the least for Viper insurance.
  • Better insurance rates for being claim-free – If you tend to file frequent claims, you can pretty much guarantee higher premiums or even policy non-renewal. Car insurance companies generally give cheaper rates to people who only file infrequent claims. Your car insurance is meant to be used in the event of larger claims.
  • Driving citations are costly – Even one ticket can increase the cost of insurance twenty percent or more. Good drivers have lower premiums as compared to careless drivers. Drivers with multiple violations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to complete a SR-22 to the state department of motor vehicles in order to legally drive.

Take advantage of every insurance coverage discount

Some insurance providers don’t always advertise every possible discount very clearly, so we took the time to find a few of the more common and also the lesser-known credits available to lower your premiums when you buy insurance coverage online.

  • Driver Safety – Successfully completing a defensive driver course can save you 5% or more and easily pay for the cost of the class.
  • Drivers Ed for Students – Have your child enroll in driver’s education as it can save substantially.
  • Service Members Pay Less – Having an actively deployed family member could be rewarded with lower premium rates.
  • Multi-policy Discount – If you can bundle your auto and homeowners insurance with one company you could get a discount of nearly 15% which can help you find cheap insurance coverage.
  • No Claims – Drivers who stay claim-free are rewarded with significantly better rates on insurance coverage quote in comparison to policyholders that have many claims.

Don’t be surprised that most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will help reduce your premiums.

If you would like to choose from a list of insurance coverage companies with the best insurance coverage discounts, click here to view.

How to know if you need help

When choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

For example, these questions might help in determining whether your personal situation may require specific advice.

  • Do I have coverage if my license is suspended?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I missing any policy discounts?
  • What is the rate difference between pleasure use and commuting?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need higher collision deductibles?
  • Are my friends covered when driving my 1996 Dodge Viper?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance coverages for a 1996 Dodge Viper

Having a good grasp of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Viper.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for bills like rehabilitation expenses, pain medications, doctor visits, X-ray expenses and prosthetic devices. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, damage from a tornado or hurricane and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages – Liability insurance protects you from injuries or damage you cause to other’s property or people. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like funeral expenses, medical services and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage – This pays for damage to your Viper caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, colliding with a tree, backing into a parked car, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

In the end, you save

Consumers leave their current company for many reasons like poor customer service, lack of trust in their agent, policy cancellation and even being labeled a high risk driver. No matter why you want to switch, finding a new company can be pretty painless.

Lower-priced 1996 Dodge Viper insurance is definitely available online as well as from insurance agents, so you need to shop insurance coverage with both in order to have the best price selection to choose from. Some insurance providers don’t offer online quoting and usually these small insurance companies provide coverage only through independent agencies.

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. In many instances, an insured dropped collision coverage to discover at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at the best price while still protecting your assets.

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