How Much Does 2005 Dodge Viper Car Insurance Cost?

Drivers have options when trying to find low-cost Dodge Viper insurance. You can either waste hours contacting agents trying to get quotes or leverage the internet to get rate quotes. There are more efficient ways to compare auto insurance rates and you need to know the quickest way to quote coverages for a Dodge and get the cheapest rates from both online companies and local agents.

Buying car insurance is quite easy. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Consumers only need an understanding of how to get comparison quotes online.

Dodge Viper rates are complex

An important part of buying insurance is that you know the different types of things that help determine car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that will entitle you to better car insurance rates.

The following are a partial list of the pieces that factor into prices.

  • Where you live – Living in small towns and rural areas has it’s advantages when insuring your vehicles. City drivers have congested traffic and longer commutes to work. Lower population means fewer accidents and a lower car theft rate.
  • Younger drivers pay higher rates – Teen drivers have a tendency to be more careless when driving so car insurance rates are higher. Parents adding a young driver to your car insurance policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.
  • How credit affects car insurance rates – A driver’s credit score is a important factor in calculating your car insurance rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower ratings. If your credit history is low, you could potentially save money when insuring your 2005 Dodge Viper by improving your rating.
  • A lapse in coverage is a bad thing – Not having insurance is illegal and car insurance companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a revoked license or a big fine.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Your car insurance rates can be influenced by your job – Jobs such as judges, social workers and stock brokers tend to have the highest rates in part from high stress and lengthy work days. On the other hand, jobs such as actors, students and the unemployed receive lower rates for Viper coverage.
  • Do you know your deductibles? – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Dodge. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and windstorm damage. Deductibles for physical damage are how much you are willing to pay if you file a covered claim. The more money the insured has to pay upfront, the less your company will charge you for insurance for Viper coverage.
  • Being married is a good thing – Getting married actually saves money on car insurance. Having a spouse translates into being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • Do you need those extra coverages? – There are a ton of additional coverages that you can get tricked into buying when buying car insurance. Coverages for roadside assistance, accidental death and membership fees may be wasting your money. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate them to save money.

Which Insurance Coverage is Cheapest?

There are a variety of methods you can shop for 2005 Dodge Viper insurance coverage but there is one way that is less time-consuming than others. You can spend your afternoon talking to insurance agencies in your area, or you can utilize online quotes to get pricing more quickly.

Many popular insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote. This saves time by eliminating quote requests for each company.

To enter your information into the quoting system, click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify the insurers you want pricing from. If you prefer to choose from a list of companies for rate comparison, we have a page of companies who write insurance coverage in your area. View 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 your comparisons have different limits and deductibles on each one then you won’t be able to determine the best price for your Dodge Viper.

More discounts equal less premium

Companies offering auto insurance don’t always publicize every available discount very well, so here is a list some of the best known and the harder-to-find ways to save on car insurance. If you don’t get every credit you qualify for, you are throwing money away.

  • Drive Less and Save – Fewer annual miles on your Dodge can earn a substantially lower rate.
  • One Accident Forgiven – Some insurance companies permit an accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.
  • No Accidents – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

Insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts might not be offered everywhere.

It’s not one size fits all

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might point out if you might need professional guidance.

  • How can I find cheaper teen driver insurance?
  • When do I need to add a new car to my policy?
  • Am I covered if my car is in a flood?
  • If my 2005 Dodge Viper is totaled, can I afford another vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I pay less for low miles?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Insurance coverage breakdown

Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Viper.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.


Liability coverage can cover damage that occurs to a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like legal defense fees, medical expenses and funeral expenses. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like hospital visits, dental work and doctor visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, damage from a tornado or hurricane, theft and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance covers damage to your Viper resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, colliding with a tree, hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Shop smart and save

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where drivers have reduced full coverage to discover at claim time that it was a big mistake. Your strategy should be to buy a smart amount of coverage at a price you can afford.

Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, poor customer service, policy cancellation or even high rates after DUI convictions. It doesn’t matter what your reason, finding a new company is actually quite simple.

You just learned a lot of ways to lower your 2005 Dodge Viper insurance rates. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest premiums are with the least-expected company.

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