Lower Your 1995 Dodge Viper Car Insurance Rates

Are you tired of being strong-armed each month for car insurance? You are in the same boat as the majority of other car owners. You have multiple auto insurance companies to buy insurance from, and even though it’s nice to have multiple companies, lots of choices makes it harder to get the best deal.

You need to do rate comparisons once or twice a year because rates change regularly. Just because you had the best price on Viper insurance a year ago you can probably find a better price now. Forget all the misinformation about insurance coverage because we’re going to demonstrate one of the quickest ways to find great coverage at a great price.

Buying affordable insurance coverage is not that difficult. If you have a current insurance coverage policy or are looking for a new policy, you will benefit by learning to shop for the lowest rates and still get good coverage. Vehicle owners only need to know the most effective way to compare price quotes online.

How to Compare Auto Insurance Costs

Comparing auto insurance rates can be a daunting task if you don’t understand the easiest way. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get rates in a matter of minutes.

Many of the larger companies belong to an insurance system that allows shoppers to submit their information once, and at least one company then gives them pricing for coverage. This saves time by eliminating form submissions for every auto insurance company.

To find out how much you’re overpaying now click to open in new window.

The only downside to comparing rates this way is you cannot specify which insurance companies to get pricing from. So if you want to select specific providers to compare rates, we have a listing of auto insurance companies in your area. Click here to view list.

Whichever method you choose, be sure to compare exactly the same coverage limits with every price quote. If the quotes have differing limits then you won’t be able to determine the lowest rate for your Dodge Viper.

Tailor your coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so your insurance needs to address that. For example, these questions might help in determining whether or not you might need professional guidance.

• Is pleasure use cheaper than using my 1995 Dodge Viper to commute?
• Which companies will insure high-risk drivers?
• Do I need replacement cost coverage?
• Am I covered when using my vehicle for business?
• Can my babysitter drive my car?
• Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Car insurance coverages for a Dodge Viper

Having a good grasp of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Viper.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages – This will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical services, funeral expenses, bail bonds, repair costs for stationary objects and emergency aid. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, a broken windshield and hail damage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like pain medications, chiropractic care and funeral costs. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision – Collision coverage covers damage to your Viper caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.