Looking for lower insurance rates for your Dodge Viper? Finding low-cost insurance for a new or used Dodge Viper can be difficult, but you can learn the following methods to save time. There are more efficient ways to shop for insurance and we’ll show you the best way to compare rates on a Dodge and locate the lowest price from both online companies and local agents.
Car insurance companies don’t necessarily list all available discounts very well, so we break down both the well known and the harder-to-find discounts you could be receiving. If you don’t get every credit you deserve, you’re paying more than you need to.
Consumers should know that some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free insurance coverage policy, it doesn’t quite work that way.
A partial list of companies that may offer these benefits include:
It’s a good idea to ask every prospective company what discounts are available to you. Savings may not be available in your state.
When buying the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might help in determining if you may require specific advice.
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Learning about specific coverages of your auto insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.
Uninsured Motorist or Underinsured Motorist insurance
This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Coverage for liability
This coverage protects you from damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability can pay for claims like legal defense fees, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.
Collision coverage will pay to fix damage to your Viper resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as driving through your garage door, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things like damage from flooding, a tree branch falling on your vehicle, hitting a deer and damage from a tornado or hurricane. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for expenses such as prosthetic devices, rehabilitation expenses and pain medications. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay
We just covered a lot of ways to save on 1997 Dodge Viper insurance. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may even find the lowest rates come from a lesser-known regional company.
Budget-conscious insurance is available from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. A few companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.
People change insurance companies for many reasons like policy cancellation, delays in responding to claim requests, being labeled a high risk driver or even delays in paying claims. It doesn’t matter why you want to switch finding the right auto insurance provider can be easy and end up saving you some money.
Even more information can be found by following these links: