1993 Dodge Viper Insurance Rates – 5 Tips to Save

Want better insurance coverage rates for your Dodge Viper? Trying to find better insurance prices for a new or used Dodge Viper can normally be a painful process, but you can use a few tricks to save time.

There is a better way to buy insurance coverage and you need to know the proper way to get price quotes for a new or used Dodge and locate the lowest possible price from local insurance agents and online providers.

It is always a good idea to shop coverage around every six months since insurance rates trend upward over time. Despite the fact that you may have had the best deal on Viper coverage a few years ago there is a good chance you can find better rates now. So block out anything you think you know about insurance coverage because you’re about to learn the tricks you need to know to reduce your cost while increasing coverage.

If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to shop for the lowest rates and still get good coverage. Finding cheaper protection can be fairly easy. Drivers just need to learn how to find the lowest price on the web.

Policy discounts you shouldn’t miss

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied when you quote, but lesser-known reductions have to be specifically requested in order for you to get them. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • New Car Discount – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Clubs and Organizations – Belonging to a qualifying organization could trigger savings on auto insurance on Viper coverage.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • No Claims – Good drivers with no accidents pay much less as compared to bad drivers.

Drivers should understand that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will cut your premiums.

Companies that possibly offer some of the above discounts include:

Before buying, ask each insurance company what discounts are available to you. Some discounts might not apply in your state.

Advertising myths

Drivers get pounded daily by advertisements for car insurance savings from the likes of State Farm, GEICO and Progressive. All the ads make the same claim of big savings if you move your coverage to them.

But how can every company say the same thing? This is how they do it.

All the different companies are able to cherry pick for the type of driver that makes them money. For instance, a driver they prefer might be between 30 and 50, has no driving citations, and has excellent credit. Any new insured that hits that “sweet spot” will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Consumers who fall outside the requirements will have to pay more money which usually ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “everybody who quotes” save that much. That is how insurance companies can confidently claim big savings.

Because of the profiling, you should quote coverage with many companies. It’s not possible to predict which insurance companies will have the lowest Dodge Viper insurance rates.

Insurance agents can help

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions might help in determining whether you will benefit from professional help.

  • Should I drop comprehensive coverage on older vehicles?
  • When would I need rental car insurance?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered when driving a rental car?
  • Is a blown tire covered by insurance?
  • Do I pay less for low miles?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Car insurance coverages for a Dodge Viper

Learning about specific coverages of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, vandalism, damage from getting keyed, damage from flooding and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like loss of income, structural damage, pain and suffering, bail bonds and court costs. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Viper.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for prosthetic devices, nursing services, X-ray expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

More quotes mean more savings

We covered many tips how you can reduce 1993 Dodge Viper insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with the least-expected company.

Affordable insurance is definitely available both online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, policy cancellation, high rates after DUI convictions or even poor customer service. Whatever your reason, switching companies can be pretty painless.

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