Finding the cheapest insurance for your Dodge Viper could be an all-consuming task, but you can learn our car insurance buying tips to save time. There are more efficient ways to find car insurance online and we’ll show you the quickest way to price shop coverage for your Dodge and find the cheapest rates from both online companies and local agents.
It is always a good idea to price shop coverage at least once a year because insurance prices fluctuate regularly. Even if you got the best rates for Viper insurance last year you can probably find a better premium rate now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.
Many factors are considered when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but some are more obscure like where you live and annual miles driven.
Listed below are a few of the “ingredients” used by insurance companies to determine your rates.
Companies don’t necessarily list every available discount very clearly, so the list below contains both well-publicized as well as some of the hidden ways to save on insurance.
As a footnote on discounts, many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
To see a list of insurers who offer online insurance quotes, click here.
Drivers can’t get away from all the ads that claim the lowest auto insurance rates by State Farm, GEICO and Progressive. They all seem to convey the message about how much you will save just by moving your coverage to them.
How does each company have lower policy pricing? You have to listen carefully.
Different companies have specific characteristics for the driver that earns them the highest profit. An example of a driver they prefer may need to be a mature driver, has no driving citations, and drives a vehicle with a low ISO rating. Someone that fits those parameters will get a cheap rate quote and have a good chance to save when switching.
Insureds who don’t measure up to the ideal profile will get more expensive rates and this results in business going elsewhere. The ad wording is “people who switch” not “all people who quote” save the amount stated. That’s the way insurance companies can confidently state the savings. Different companies use different criteria so it is so important to compare as many free auto insurance quotes as you can. It is impossible to predict which car insurance company will have the best prices.
When it comes to choosing coverage, there is no “best” method to buy coverage. Every situation is different.
For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.
If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.
Knowing the specifics of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.
Liability auto insurance – This will cover damage that occurs to other’s property or people. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability coverage protects against claims such as emergency aid, loss of income and court costs. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.
Collision coverage – Collision insurance pays for damage to your Viper resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a building, backing into a parked car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Viper.
Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like damage from getting keyed, vandalism, a tree branch falling on your vehicle, damage from flooding and hail damage. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses such as prosthetic devices, dental work, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
A few companies may not have online quoting and usually these regional carriers prefer to sell through independent agents. Low-cost 1999 Dodge Viper insurance can be purchased from both online companies and from local insurance agents, so you need to compare both in order to have the best price selection to choose from.
In this article, we covered many tips how you can shop for 1999 Dodge Viper insurance online. The key thing to remember is the more quotes you get, the higher your chance of finding low cost auto insurance. Consumers may even find the best premium rates are with the least-expected company.
As you quote auto insurance, you should never reduce needed coverages to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the best price.
Much more information about auto insurance is located on the following sites: