Buying low-cost car insurance on the internet can seem to be intimidating for people who are new to comparing rates online. With dozens of online companies, how can anyone possibly compare the different rates to find the best available rates?
You need to price shop coverage periodically because prices are adjusted regularly by insurance companies. Even if you got the best price on Viper insurance a year ago a different company probably has better rates today. Starting now, forget anything you know (or think you know) about car insurance because we’re going to show you one of the best ways to reduce your cost while increasing coverage.
The quickest way to compare policy rates is to take advantage of the fact car insurance companies allow for online access to give free rates quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details including the make and model of your vehicles, how much education you have, how much coverage you want, and marital status. Your rating data is instantly provided to multiple top-rated companies and they return cost estimate very quickly.
To start a rate quote now, click here and enter your zip code.
Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on television and other media. They all seem to have a common claim of big savings if you move your policy. How can each company make almost identical claims? This is how they do it.
All the different companies can use profiling for the type of customer they prefer to insure. An example of a driver they prefer might be profiled as over the age of 40, is a homeowner, and drives newer vehicles. A propective insured that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save when switching.
Potential insureds who are not a match for the requirements must pay a more expensive rate which usually ends up with business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That’s why companies can truthfully advertise the way they do.
This illustrates why it’s extremely important to get as many comparisons as possible. It’s not possible to predict the company that will have the lowest Dodge Viper insurance rates.
It’s important that you understand some of the elements that come into play when calculating your insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in big savings.
Car insurance can cost a lot, but there are discounts available that can drop the cost substantially. Most are applied at the time of purchase, but some may not be applied and must be specially asked for before being credited.
It’s important to note that most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. But any discount will reduce the cost of coverage.
A partial list of companies who might offer these discounts are:
Before buying, ask all companies you are considering which discounts they offer. Some discounts may not be available in your state.
When choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
For example, these questions might help in determining whether or not you will benefit from professional help.
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.
Understanding the coverages of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as damage from flooding, theft, falling objects and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for immediate expenses for surgery, rehabilitation expenses, nursing services, doctor visits and EMT expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance
This coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Viper.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.
Coverage for liability
Liability coverage can cover damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, 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 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for claims like attorney fees, repair bills for other people’s vehicles, emergency aid, medical expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Collision insurance pays for damage to your Viper from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like sustaining damage from a pot hole, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.
People switch companies for many reasons like policy cancellation, poor customer service, denial of a claim and not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.
When shopping online for auto insurance, never sacrifice coverage to reduce premiums. There are many occasions where an insured cut comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at the best price.
Low-cost 1992 Dodge Viper insurance is attainable online in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some insurance providers do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.