No one in their right mind looks forward to buying auto insurance, in particular when the cost is too high. Popular companies such as State Farm, Progressive and GEICO constantly blast consumers with fancy advertisements and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.
Most major insurance companies like State Farm, Allstate and GEICO give prices for coverage directly from their websites. Getting online rates is fairly straightforward as you just enter your coverage information as requested by the quote form. Once you submit the form, the system automatically orders your credit score and driving record and returns a price quote. Online price quotes makes it a lot easier to compare rates but the work required to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to get many rate quotes in order to get the lowest price.
A less time-consuming method to find better car insurance pricing makes use of a single form that analyzes rates from a lot of companies. This type of form saves time, requires much less work on your part, and makes online quotes much easier. After sending the form, it is quoted with multiple companies and you can pick any of the resulting price quotes.
If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process only takes a few minutes and could lower your rates considerably.
To compare rates using this form now, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate the limits and deductibles as close as possible to your current policy. Doing this guarantees you will have rate comparison quotes using the exact same coverages.
Consumers get pounded daily by advertisements for car insurance savings from the likes of State Farm, Allstate and GEICO. They all seem to have a common claim of big savings after switching your coverage to them.
How can each company make the same claim? It’s all in the numbers.
Different companies can use profiling for the right customer that earns them a profit. For instance, a preferred risk could be between 25 and 40, has no prior claims, and has great credit. A propective insured that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.
Consumers who don’t meet these standards must pay higher prices and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save that much. That is how insurance companies can confidently make those claims.
This illustrates why you should quote coverage with many companies. It’s not possible to predict which insurance companies will have the lowest Dodge Viper insurance rates.
Insuring your fleet can be pricey, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but less common discounts must be specifically requested in order for you to get them. If they aren’t giving you every credit you deserve, you’re paying more than you need to.
A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, car insurance companies aren’t that generous. Any amount of discount will help reduce your overall premium however.
Companies that may have these benefits are:
Before buying, ask each insurance company which discounts you may be entitled to. Discounts may not be available in your area.
When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Every situation is different and your policy should reflect that. For instance, these questions might help in determining if you would benefit from an agent’s advice.
If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.
Having a good grasp of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses like doctor visits, nursing services, X-ray expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Comprehensive coverages – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as theft, a tree branch falling on your vehicle and damage from getting keyed. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1998 Dodge Viper.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.
Coverage for liability – This coverage provides protection from damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.
Liability coverage pays for things like repair bills for other people’s vehicles, emergency aid, court costs and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.
Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.
As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best price, not the least amount of coverage.
We covered quite a bit of information on how to shop for 1998 Dodge Viper insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced car insurance comes from the least-expected company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Allstate and Progressive.
More detailed car insurance information is located at these sites: