Want cheaper insurance rates for your Dodge Viper? No sane person enjoys paying for insurance, especially when they know their premiums are through the roof. Insurance companies such as GEICO, Progressive and Allstate all promote huge savings with catchy ads and it can be hard to see through the cute green geckos and mayhem and find the best price available.
It’s smart to compare premium rates quite often because rates are variable and change quite frequently. Despite the fact that you may have had the best rate for Viper coverage a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re going to learn one of the quickest ways to save money, get proper coverage and the best rates.
Comparing car insurance rates can be challenging if you don’t understand the fastest way to get free quotes. You could waste time talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to get pricing more quickly.
Many of the larger companies are enrolled in a marketplace that allows shoppers to submit their information once, and each participating company can provide price quotes based on the submitted data. This system prevents you from having to do quote requests for every car insurance company.
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One minor caviat to pricing coverage this way is that you can’t choose which insurance companies you want to price. If you would rather choose from a list of companies to compare rates, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.
Take whichever approach you prefer, but make sure you are using apples-to-apples deductibles and coverage limits with each company. If you use different data it will be next to impossible to determine the best price for your Dodge Viper.
Auto insurance companies don’t list the complete list of policy discounts in a way that’s easy to find, so the following is a list of some of the more common as well as some of the hidden credits available to lower your premiums when you buy auto insurance online.
A little note about advertised discounts, most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free insurance policy, it just doesn’t work that way.
To choose companies who offer free insurance quotes, click here.
When buying adequate coverage, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. For instance, these questions can aid in determining if you could use an agent’s help.
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from car insurance companies.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Viper.
Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Coverage for liability
This can cover damage or injury you incur to other people or property. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for things such as medical expenses, bail bonds, medical services, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as a broken windshield, falling objects, hitting a deer and damage from flooding. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like doctor visits, X-ray expenses and chiropractic care. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage