2000 Dodge Viper Insurance Rates

Want lower car insurance rates for your Dodge Viper? Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Many insurers vie for your business, so it’s not easy to compare every company to get the cheapest price

It’s a good idea to take a look at other company’s rates periodically because rates change quite often. Just because you found the lowest rates on Viper coverage a couple years back the chances are good that you can find a lower rate today. There is too much inaccurate information about car insurance on the web, but by reading this article, you’re going to learn the best ways to stop overpaying for insurance.

You probably qualify for some discounts

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so here is a list both well-publicized and also the lesser-known insurance coverage savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Defensive Driver – Completing a defensive driving course could save 5% or more depending on where you live.
  • Distant Student – Kids in college living away from home attending college and do not have a car may qualify for this discount.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Viper coverage than drivers with accident claims.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Viper coverage.
  • Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy qualifies for this discount.
  • Discount for New Cars – Insuring a new car can save up to 30% since new cars are generally safer.
  • Club Memberships – Affiliation with certain professional organizations could trigger savings on insurance coverage on Viper coverage.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out auto and life insurance together.

It’s important to note that most discount credits are not given to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of insurers offering insurance coverage discounts, click here to view.

Automobile Insurance Quotes

There are several ways to compare Dodge Viper auto insurance quotes, but one way is easier and takes less work. You could waste a few hours talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get the quickest rates.

Many popular insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each participating company then returns a price quote for coverage. This system prevents you from having to do repetitive form submissions for every auto insurance company. To use this form to compare 2000 Dodge Viper insurance rates click to open in new window.

The one disadvantage to using this type of system is that consumers can’t choose which companies you want pricing from. If you would rather choose individual companies to request quotes from, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using the exact same quote information with each company. If you compare higher or lower deductibles you can’t possibly truly determine the lowest rate.

Complexity of Dodge Viper insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that will entitle you to big savings.

The list below includes some of the factors companies use to determine prices.

  • Males pay more for insurance – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women tend to get into accidents in similar numbers, but men cause more damage. Men also receive more costly citations such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • Rural vs Urban Areas – Residing in small towns and rural areas can be a good thing when insuring your vehicles. Drivers in populated areas have to deal with much more traffic and longer commute times. Lower population means a lower chance of having an accident as well as less vandalism and auto theft.
  • More than one policy can earn a discount – Some companies provide better rates to people who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare rates to ensure the best deal. Drivers may still find a better deal by insuring with multiple companies.
  • Pleasure use or commuting – The higher the mileage driven in a year the higher your rate. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Autos that are left in the garage receive lower rates compared to those used for work or business. Verify your car insurance declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your Viper may be wasting your money.
  • Teen drivers pay high rates – Youthful drivers are statistically proven to be careless and easily distracted behind the wheel so they pay higher car insurance rates. Having to add a young driver onto your car insurance can really hurt. Older drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.
  • Car features impact rates – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • Do you have enough liability coverage? – Liability insurance will protect you if ever you are found liable for causing damage or personal injury in an accident. It provides you with a defense in court starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.

There’s no such thing as the perfect policy

When it comes to choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can help discover whether or not you will benefit from professional help.

  • I don’t drive much so do I pay less?
  • What companies insure drivers after a DUI or DWI?
  • Does my personal policy cover me when driving out-of-state?
  • Is upholstery damage covered by car insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Is business property covered if stolen from my car?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

The auto insurance bait and switch

Consumers can’t get away from ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. All the ads say the same thing that you’ll save big if you switch your policy.

How can each company claim to save you money?

All companies have a preferred profile for the type of driver they prefer to insure. For instance, a driver they prefer might be between 30 and 50, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will get the preferred rates and as a result will probably save quite a bit of money when switching.

Potential insureds who are not a match for these standards will be quoted a higher premium and ends up with the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save money. That’s why insurance companies can confidently advertise the savings. This emphasizes why it’s extremely important to quote coverage with many companies. It’s not possible to predict which company will fit your personal profile best.

Insurance coverage specifics

Understanding the coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Liability car insurance

Liability insurance can cover injuries or damage you cause to other’s property or people in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as attorney fees, medical expenses, loss of income and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a deer, a tree branch falling on your vehicle, fire damage, damage from getting keyed and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like ambulance fees, doctor visits, surgery, dental work and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage protection

This coverage covers damage to your Viper resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, scraping a guard rail and driving through your garage door. 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. It’s also possible to increase the deductible to get cheaper collision coverage.

Shop around and save

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. In many cases, an insured cut physical damage coverage and learned later that it was a big error on their part. The aim is to buy enough coverage at the best price while not skimping on critical coverages.

Low-cost 2000 Dodge Viper insurance is attainable online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not provide online price quotes and these small insurance companies work with independent agents.

We covered some good ideas how you can compare insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest priced car insurance comes from an unexpected company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

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