How Much Does 2016 Dodge Viper Insurance Cost?

Searching for low-cost insurance for a Dodge Viper could be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the quickest way to compare rates on a Dodge and get the lowest price.

Finding the best rates is not rocket science. If you have a current car insurance policy or are just looking to switch companies, you can learn to find the best rates while maintaining coverages. Vehicle owners only need to know the most effective way to get comparison rates over the internet.

Finding car insurance

Shopping for lower car insurance rates can be exhausting if you aren’t aware of the most efficient way. You can waste hours driving to agents in your area, or you can utilize online quotes to get pricing more quickly.

Most major companies take part in a program where prospective buyers submit one quote, and each participating company returns a rated price based on that information. This system prevents you from having to do form submissions to each company.

To get comparison pricing now click here (opens in new window).

The only downside to getting quotes like this is that you can’t choose the companies to get quotes from. If you wish to select specific insurance companies to compare rates, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just try to keep nearly identical quote data with every price quote. If you enter different liability limits it will be very difficult to make an equal comparison.

Auto insurance in the media

Drivers can’t escape the ads that claim the cheapest car insurance rates by State Farm and Allstate. They all make the point that drivers will save a bundle just by switching your coverage to them.

How does every auto insurance company have lower policy pricing? Here is the trick they use.

Different companies have a certain “appetite” for the driver that will not have excessive claims. A good example of a profitable customer should be married and over the age of 30, has no prior claims, and drives a lower-performance vehicle. A customer getting a price quote who fits that profile will probably get the lowest rates and will most likely save a lot of money.

People who may not quite match this stringent profile will get a higher premium which translates to the customer not buying. The trick companies use is to say “people that switch” not “everyone that quotes” can save as much as they claim. That’s the way insurance companies can make claims like that. This really illustrates why you really should compare rate quotes every year. Because you never know which company will give you lower car insurance rates than your current company.

Don’t overlook these car insurance discounts

Insurance can cost an arm and a leg, but there could be available discounts to cut the cost considerably. A few discounts will be applied at quote time, but less common discounts must be asked about prior to receiving the credit.

  • Employee of Federal Government – Active or former government employment can save as much as 8% on Viper insurance with select insurance companies.
  • Professional Memberships – Participating in specific professional or occupational memberships or organizations could trigger savings when getting a insurance coverage quote.
  • Discount for Good Grades – Being a good student could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
  • Senior Citizen Rates – Mature drivers are able to get a small discount on rates on Viper insurance.
  • Multiple Policy Discount – When you have multiple policies and place coverage with the same company you will save up to 20% and get you cheap insurance coverage.
  • Driver’s Ed – Teen drivers should take driver’s ed class as it can save substantially.
  • ABS Brakes – Vehicles with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
  • Discount for Life Insurance – Select companies reward you with a discount if you purchase a life policy as well.
  • Early Renewal Discounts – A few car insurance companies allow discounts for switching policies before your current policy expires. It can save you around 10%.

A quick disclaimer, most discounts do not apply the the whole policy. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will positively reduce your policy premium.

Large car insurance companies and some of the discounts include:

  • Farmers Insurance may include discounts for mature driver, youthful driver, alternative fuel, teen driver, and early shopping.
  • State Farm offers discounts for accident-free, driver’s education, defensive driving training, anti-theft, good driver, Steer Clear safe driver discount, and good student.
  • Liberty Mutual policyholders can earn discounts including good student, hybrid vehicle, safety features, new graduate, and new vehicle discount.
  • MetLife includes discounts for good driver, accident-free, multi-policy, claim-free, and good student.
  • Progressive offers premium reductions for good student, online quote discount, multi-policy, multi-vehicle, homeowner, continuous coverage, and online signing.

It’s a good idea to ask every company which discounts can lower your rates. A few discounts may not apply in your state. To see a list of insurance companies that offer discounts, follow this link.

When to get professional advice

When buying the best insurance coverage coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if you might need an agent’s assistance.

  • What are the best liability limits?
  • Am I covered when driving in Canada or Mexico?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when driving a rental car?
  • Does my insurance cover my expensive audio equipment?
  • Can I make deliveries for my home business?
  • Are my friends covered when driving my 2016 Dodge Viper?
  • Does my 2016 Dodge Viper need full coverage?
  • Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Learn about insurance coverages for a Dodge Viper

Having a good grasp of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for things like rehabilitation expenses, EMT expenses and funeral costs. They can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, rock chips in glass, a broken windshield, falling objects and a tree branch falling on your vehicle. 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 consider dropping full coverage.

Auto liability

Liability coverage will cover damage or injury you incur to a person or their property in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like structural damage, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Auto collision coverage

This coverage covers damage to your Viper resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2016 Dodge Viper.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Never pay more for less

We just showed you many ways to shop for 2016 Dodge Viper insurance online. The key concept to understand is the more quotes you get, the better your chances of lowering your car insurance rates. You may even find the biggest savings come from an unexpected company.

When buying insurance coverage, never sacrifice coverage to reduce premiums. There are many occasions where an insured dropped physical damage coverage only to find out that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Insureds who switch companies do it for many reasons like poor customer service, unfair underwriting practices, high rates after DUI convictions and lack of trust in their agent. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.

Much more information about insurance can be read on the following sites: