Have you fallen victim to an overpriced auto insurance policy? Trust us, many consumers feel financially strained by their auto insurance policy.
Consumers have many car insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, so many choices can make it hard to find the lowest rates.
Smart consumers take time to compare prices before your policy renews because rates change quite often. Even if you got the lowest rates on Viper coverage a couple years back there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the best methods to properly buy coverages while reducing your premium.
The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be specially asked for before being credited.
A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.
To see a list of insurers with discount insurance coverage rates, follow this link.
There are a variety of methods to compare 2004 Dodge Viper auto insurance quotes, but there is one way that is less time-consuming than others. You can waste hours driving to agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.
All the larger companies belong to an insurance system that enables customers to submit their information once, and each company can provide price quotes determined by their information. This saves time by eliminating quote requests for each company.
To participate in this free quote system, click here to open in new window.
The single downside to getting quotes like this is that consumers can’t choose which companies you will receive quotes from. If you prefer to choose individual companies for rate comparison, we have assembled a list of auto insurance companies in your area. Click to view list.
Whichever way you use, be sure to compare the exact same information on every quote you get. If you enter unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Dodge Viper. Quoting even small variations in limits may result in large price differences. And when quoting auto insurance, remember that getting more free quotes will improve the odds of getting lower pricing.
When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.
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 an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area.
Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverage types offered by auto insurance companies.
This provides protection from injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as court costs, attorney fees, emergency aid and bail bonds. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.
This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as theft, fire damage and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision insurance pays for damage to your Viper resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like crashing into a ditch, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like funeral costs, dental work and doctor visits. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There are many occasions where someone sacrificed liability limits or collision coverage only to discover later that it was a big error on their part. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.
We’ve covered a lot of ways to reduce 2004 Dodge Viper insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.
Cheaper insurance is possible online as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.
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