1994 Dodge Viper Insurance Rates

No one in their right mind enjoys paying for insurance, in particular when they are paying too much.

Online insurance companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with TV and radio ads and it can be hard to avoid their marketing magic and find the best price available.

It’s a good idea to check insurance prices on a regular basis because insurance rates are rarely the same from one policy term to another. If you had the best price for Viper coverage a year ago there is a good chance you can find better rates now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

Policy discounts you shouldn’t miss

The price of auto insurance can be rather high, but there are discounts available that you may not know about. Some trigger automatically when you purchase, but some must be specially asked for before being credited.

  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
  • Drive Less and Save – Keeping the miles down on your Dodge could qualify for lower rates on the low mileage vehicles.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Student Driver Training – Have your child enroll in driver’s education if offered at their school.
  • Military Discounts – Being deployed with a military unit can result in better rates.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. But all discounts will cut your premiums.

For a list of companies with discount insurance rates, click here to view.

The best way to get rate comparisons is to take advantage of the fact car insurance companies allow for online access to give free rates quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information including whether the vehicles are used for commuting, if a SR-22 is required, what you do for a living, and any included safety features. Your insurance information is then sent to multiple different insurance companies and they return rate quotes quickly.

To get price quotes for your 1994 Dodge Viper, click here and find out if you can get cheaper insurance.

Insurance agents can help

When it comes to buying coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

  • Where can I find DUI or SR-22 insurance?
  • Is there coverage for injuries to my pets?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I better off with higher deductibles on my 1994 Dodge Viper?
  • How does medical payments coverage work?
  • What is no-fault insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need replacement cost coverage?
  • Do I need more liability coverage?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Coverages available on your policy

Having a good grasp of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.

Liability insurance

Liability coverage can cover injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair costs for stationary objects, medical services, funeral expenses and structural damage. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, a tree branch falling on your vehicle, hitting a bird and falling objects. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as chiropractic care, dental work and funeral costs. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Viper resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, scraping a guard rail, backing into a parked car, colliding with a tree and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Be a money saver!

Cost effective 1994 Dodge Viper insurance is attainable from both online companies in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. Some companies do not provide online price quotes and these small, regional companies work with independent agents.

When shopping online for auto insurance, never reduce needed coverages to save money. There are a lot of situations where drivers have reduced liability coverage limits to discover at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

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