Want lower auto insurance rates for your Dodge Viper? Wish you could get a refund on an expensive auto insurance policy? You’re in good company because you’re not the only one.
Multiple car insurance companies compete to insure your vehicles, so it’s not easy to compare every company to find the absolute best rates possible.
If you have car insurance now, you stand a good chance to be able to save some money using this information. Finding affordable coverage is easy if you know what you’re doing. But drivers must know how insurance companies sell online.
When looking for low cost auto insurance quotes, there are a couple ways of comparing rates from insurance coverage companies in your area. The simplest method to lower the rate you pay for 2015 Dodge Viper insurance is to perform an online rate comparison. This can be done using a couple different methods.
For a list of companies in your area, click here.
The method you choose is up to you, but make absolute certain that you use apples-to-apples coverages on every quote. If you use different liability limits you will not be able to determine which company has the best rates. Even a minor difference in limits may result in large price differences. And when comparing insurance coverage rates, know that comparing more quotes will enable you to find the best rates. Some regional insurers cannot provide online price quotes, so it’s necessary to compare price quotes from those companies as well.
Car insurance companies don’t list every available discount in an easy-to-find place, so here is a list both the well known as well as some of the hidden credits that you can use to lower your rates.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Even though the math looks like you can get free auto insurance, companies don’t profit that way.
For a list of insurers that can offer you the previously mentioned discounts, click here.
Multiple criteria are used when pricing auto insurance. Some are obvious such as your driving history, but other criteria are not as apparent like where you live or your commute time.
Listed below are just a few of the factors utilized by car insurance companies to help set prices.
When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For example, these questions could help you determine if your situation might need professional guidance.
Knowing the specifics of insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.
Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for expenses for things like chiropractic care, rehabilitation expenses, nursing services and surgery. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible
Liability insurance – This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers things like repair bills for other people’s vehicles, legal defense fees and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying higher limits if possible.
Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as a broken windshield, vandalism and falling objects. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
Collision coverages – Collision coverage pays for damage to your Viper resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things like backing into a parked car, driving through your garage door, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.
We just covered many tips how you can shop for 2015 Dodge Viper insurance online. The most important thing to understand is the more you quote auto insurance, the better chance you’ll have of finding the cheapest auto insurance. Consumers may even find the best prices are with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.
As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. In many instances, an insured dropped collision coverage only to discover later that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.
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