Lower Your 2005 Dodge Viper Insurance Rates

Finding low cost coverage rates for insurance coverage may be difficult for drivers who are new to comparing prices online. Drivers have so many companies to choose from that it can turn into a challenge to find the best coverage rates.

Consumers should take time to compare premium rates occasionally because insurance coverage prices are usually higher with each renewal. Even if you got the best rates for Viper insurance six months ago you may be paying too much now. Don’t believe everything you read about insurance coverage on the internet, but I’m going to show you some of the best ways to lower your insurance coverage bill.

If you are paying for car insurance now, you will be able to save some money using these techniques. Buying the lowest cost insurance is simple if you know the tricks. But car owners need to learn how insurance companies price online insurance and use this information to your advantage.

Low cost insurance prices

When comparison shopping, there are several ways to compare rate quotes from all the different companies. The quickest method to find cheaper 2005 Dodge Viper rates is to use the internet to compare rates. This is very easy and can be done in a couple minutes as outlined below.

  • Probably the best way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do separate quote forms to each individual insurance company. Taking the time to complete one form gets you coverage quotes from many national carriers. Just one form and you’re done.
  • A slightly less efficient method to find more affordable insurance requires you to visit each individual company website and request a quote. For examples sake, we’ll pretend you are doing a rate comparison from USAA, State Farm and GEICO. To do that, you would have to visit each site and punch in your information repeatedly, which can be really labor intensive.

    For a list of links to insurance companies in your area, click here.

Compare rates however you want, just make absolute certain that you use apples-to-apples deductibles and coverage limits for every company. If you use different deductibles you can’t possibly decipher which rate is best. Slightly different coverages may result in a large different in cost. Just remember that comparing more company’s prices gives you a better chance of getting better pricing. Not every company does prices over the internet, so it’s necessary to compare price quotes from them as well.

Get lower-cost car insurance quotes with discounts

The price of auto insurance can be rather high, but you might find some hidden discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but a few must be manually applied before you get the savings.

  • Claim-Free Discount – Drivers who stay claim-free have much lower rates compared to policyholders that have many claims.
  • Employee of Federal Government – Simply working for the federal government may qualify for a discount when you quote auto insurance for Viper insurance with select insurance companies.
  • Passive Restraints – Cars that have air bags can get savings of up to 25% or more.
  • Multiple Vehicles – Buying a policy with several vehicles with the same car insurance company can get a discount for every vehicle.
  • Professional Memberships – Being a member of a professional or civic organization could trigger savings when shopping for car insurance.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Active Military Service – Having a deployed family member can result in better rates.
  • Include Life Insurance and Save – Some companies give a discount if you purchase some life insurance too.
  • Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts could cut 10% or more off the medical payments premium.

One thing to note about discounts is that most discount credits are not given the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A list of car insurance companies and a selection of discounts are:

  • Progressive policyholders can earn discounts including homeowner, online quote discount, multi-policy, good student, continuous coverage, online signing, and multi-vehicle.
  • The Hartford has savings for air bag, good student, vehicle fuel type, driver training, and bundle.
  • Mercury Insurance may offer discounts for type of vehicle, professional/association, annual mileage, multi-car, and anti-theft.
  • GEICO includes discounts for anti-lock brakes, seat belt use, defensive driver, good student, membership and employees, and anti-theft.
  • AAA offers discounts including multi-car, multi-policy, AAA membership discount, education and occupation, anti-theft, and good student.
  • State Farm may include discounts for good student, Drive Safe & Save, student away at school, safe vehicle, and multiple policy.

It’s a good idea to ask every prospective company to give you their best rates. Some discounts may not be offered in every state.

Tailor your auto insurance coverage to you

When choosing coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.

For example, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • What is roadside assistance coverage?
  • When should I buy a commercial auto policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How much liability insurance is required?
  • Will my rates increase for filing one claim?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Car insurance coverages for a 2005 Dodge Viper

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision – Collision coverage pays for damage to your Viper caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Auto liability – This coverage can cover injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as legal defense fees, repair bills for other people’s vehicles, bail bonds and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses for funeral costs, nursing services, rehabilitation expenses, doctor visits and prosthetic devices. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, damage from a tornado or hurricane and vandalism. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – This gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.