2001 Dodge Viper Insurance Quotes

Want cheaper insurance rates? Drivers have many options when trying to find low-cost Dodge Viper insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to make rate comparisons. There is a right way and a wrong way to find insurance online and you need to know the best way to quote coverages for a new or used Dodge and obtain the lowest possible price.

It’s a good habit to get comparison quotes yearly because prices are constantly changing. Just because you had the best quotes for Viper coverage two years ago other companies may now be cheaper. Ignore everything you know about insurance because you’re going to learn how to use online quotes to save money, get proper coverage and the best rates.

If you have a policy now or are shopping for new coverage, you will benefit by learning to cut your premiums while maximizing coverage. The purpose of this article is to familiarize you with how car insurance quotes work and some tips to save money. Drivers only need an understanding of the tricks to compare rates online.

Learn how to buy auto insurance for less

Lots of things are used when you get a price on insurance. Some of the criteria are obvious like your driving record, although some other factors are more obscure like your vehicle usage or your financial responsibility.

  • GPS tracking and theft deterrents lower auto insurance rates – Owning a car with a theft deterrent system can help lower your premiums. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Less chance of injury means lower premiums – Vehicles with good safety scores get lower rates. Safer cars result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If the Dodge Viper is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Your vocation and auto insurance rates – Did you know that where you work can have an impact on rates? Jobs like military personnel, architects and accountants have the highest rates in part from intense work requirements and long work hours. Other occupations such as actors, historians and homemakers have lower than average premiums for Viper coverage.
  • More traffic means higher claims – Having an address in less populated areas may provide you with better prices if you are looking for the lowest rates. Urban drivers regularly have more aggressive driving styles and more time behind the wheel. Less people living in that area corresponds to lower accident rates and also fewer theft and vandalism claims.

Lower rate quotes by getting discounts

Auto insurance companies don’t necessarily list every discount very well, so the next list breaks down a few of the more well known and also the more inconspicuous discounts that you may qualify for.

  • Senior Citizen Discount – Drivers that qualify as senior citizens are able to get a slight reduction on a insurance coverage quote for Viper coverage.
  • Telematics Data Discounts – Insureds that choose to allow companies to look at driving habits by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they show good driving skills.
  • Theft Deterent – Vehicles that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Home Ownership Discount – Owning a house can earn you a little savings because maintaining a house requires personal responsibility.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for Viper coverage than their less cautious counterparts.
  • Multiple Policy Discount – If you combine your auto and home policies with one company they may give you a discount of 10% to 20% off each policy.

As is typical with insurance, many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, it doesn’t quite work that way.

A few of the larger companies and a selection of discounts are detailed below.

  • Farm Bureau may include discounts for multi-vehicle, multi-policy, youthful driver, 55 and retired, and good student.
  • MetLife offers discounts including defensive driver, good driver, multi-policy, good student, accident-free, claim-free
  • Progressive may have discounts that include good student, homeowner, multi-policy, online signing, multi-vehicle, continuous coverage, and online quote discount.
  • AAA offers premium reductions for education and occupation, multi-car, anti-theft, multi-policy, pay-in-full, good student, and good driver.
  • American Family includes discounts for good student, TimeAway discount, bundled insurance, good driver, and accident-free.
  • GEICO has discounts for federal employee, air bags, defensive driver, anti-lock brakes, five-year accident-free, daytime running lights, and emergency military deployment.
  • State Farm has savings for Steer Clear safe driver discount, student away at school, multiple policy, defensive driving training, anti-theft, and good student.

If you are trying to find inexpensive insurance coverage quotes, ask each company which discounts you qualify for. Savings might not be available to policyholders everywhere. To choose companies with discount rates, click here.

But they said I’d save $449 a year!

Drivers can’t escape the ads for car insurance savings by companies like State Farm, GEICO and Progressive. All the ads make the point that drivers can save some big amount if you just switch your car insurance policy to them.

But how can every company offer you a better deal? It’s all in the numbers.

Many companies quote the lowest rates for the type of insured that earns them a profit. One example of a desirable insured might be over the age of 40, has never had a policy lapse, and drives newer vehicles. A customer getting a price quote that meets those criteria gets the lowest auto insurance rates and most likely will pay quite a bit less when switching companies.

Insureds who may not quite match this stringent profile will probably be forced to pay higher prices which results in business not being written. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” save that much when switching. That’s the way insurance companies can confidently claim big savings. Because each company has a different risk profile, it’s extremely important to get price quotes at each policy renewal. It’s not possible to predict which car insurance company will fit your personal profile best.

Your car insurance coverage should be tailored to you

When buying coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique.

These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

  • How much underlying liability do I need for an umbrella policy?
  • Is motorclub coverage worth it?
  • When does my teenage driver need to be added to my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when driving someone else’s vehicle?
  • What are the best liability limits?
  • Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Auto insurance policy specifics

Having a good grasp of a auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance – Liability coverage provides protection from damage that occurs to a person or their property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like pain and suffering, bail bonds, medical services, emergency aid and structural damage. How much coverage you buy is a personal decision, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Viper.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision – This coverage pays for damage to your Viper resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, driving through your garage door, crashing into a building and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like surgery, ambulance fees and chiropractic care. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. 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 and may carry a deductible

Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, falling objects, rock chips in glass and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim 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.

Take this to the bank

Cheaper insurance coverage can be sourced from both online companies in addition to many insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not offer online quoting and these regional carriers prefer to sell through local independent agents.

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible at a price you can afford.

You just read many tips how you can get a better price on 2001 Dodge Viper insurance. The most important thing to understand is the more companies you get prices for, the better chance you’ll have of finding cheap insurance coverage. You may even find the lowest premium rates are with the smaller companies.

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