1996 Dodge Viper Car Insurance Rates

Finding low-cost insurance for a new or used Dodge Viper could be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to buy insurance coverage and we’ll show you the quickest way to compare rates for a new or used Dodge and locate the lowest price from both online companies and local agents.

You need to get comparison quotes every six months due to the fact that insurance rates go up and down regularly. Just because you had the best price for Viper insurance a year ago there is a good chance you can find better rates now. You can find a lot of wrong information about insurance coverage on the internet, so by reading this article, you’re going to learn a bunch of ideas how to save money.

Finding the cheapest insurance coverage coverage is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you can follow these tips to shop for the lowest rates while maintaining coverages. Drivers just need to understand the best way to shop on the web.

These factors can influence Dodge Viper insurance rates

It’s important that you understand the factors that help determine the price you pay for car insurance. Knowing what controls the rates you pay enables informed choices that may reward you with lower car insurance prices.

  • Your car insurance rates can be influenced by your job – Did you know that where you work can have an impact on rates? Occupations like judges, social workers and financial analysts are shown to have higher average rates in part from high stress and long work hours. Conversely, occupations such as pilots, engineers and performers pay the least for Viper insurance.
  • Drive a safer car and pay less – Vehicles with high crash test scores are cheaper to insure. The safest vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Dodge earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Equipment add-ons that lower car insurance rates – Owning a car with a theft deterrent system can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Traffic violations increase rates – Even a single speeding ticket can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than bad drivers. Drivers who get serious violations such as DUI or reckless driving may be required to submit a SR-22 form with the DMV in their state in order to continue driving.
  • An active claims history can cost you – Auto insurance companies provide discounts to people who are claim-free. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Older drivers pay less – Older drivers are more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers have a tendency to be more careless behind the wheel therefore car insurance rates are much higher.
  • Do you need those extra coverages? – There are a lot of extra coverages that you can get tricked into buying on your car insurance policy. Insurance for rental car reimbursement, accidental death and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so eliminate the coverages to reduce your premium.

How to save on Dodge Viper insurance

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically when you purchase, but lesser-known reductions have to be asked about prior to getting the savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • No Claims – Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • Defensive Driver – Completing a driver safety course can save you 5% or more if your company offers it.
  • Bundle and Save – If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company could earn a price break for each car.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in high school.
  • College Student – Children who attend school more than 100 miles from home and do not have a car can receive lower rates.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, you’re out of luck. Any amount of discount will reduce your overall premium however.

A partial list of companies that may have these discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts might not be offered in every state.

Don’t listen to company ads

Consumers can’t ignore all the ads that promise big savings from the likes of Allstate and Progressive. All the ads make an identical promise that you’ll save big if you change your coverage to them.

How do they all make almost identical claims?

Different companies have a preferred profile for the type of driver that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, has no tickets, and drives newer vehicles. A driver who fits that profile is entitled to the best price and is almost guaranteed to cut their rates substantially.

Drivers who do not match these standards will have to pay higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save that much. That’s the way companies can make those claims.

Because of the profiling, you need to get quotes from several different companies. It’s just too difficult to predict which insurance companies will have the lowest Dodge Viper insurance rates.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might point out if your situation may require specific advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I bundle my homeowners policy with my auto?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is rental equipment covered for theft or damage?
  • Am I covered when delivering products for my home-based business?
  • What discounts do I qualify for?
  • Do I need more liability coverage?
  • Why am I required to buy liability insurance?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Insurance coverages explained

Having a good grasp of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Viper.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, theft, hitting a deer and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

Collision insurance covers damage to your Viper caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverage

This can cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover 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. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as funeral expenses, pain and suffering and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like surgery, doctor visits, pain medications and rehabilitation expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

More effort can pay off

We’ve covered a lot of information how to compare 1996 Dodge Viper insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a small local company.

People leave their current company for a variety of reasons including not issuing a premium refund, unfair underwriting practices, an unsatisfactory settlement offer or high prices. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. There are many occasions where an insured cut full coverage only to regret that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Much more information about insurance coverage can be read below: