Cheapest 1996 Dodge Viper Insurance Rates in 2023
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UPDATED: May 12, 2022
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Searching for cheaper insurance coverage rates for your Dodge Viper? Nobody likes having to buy insurance coverage, in particular when the price is too high.
Consumers have many insurers to choose from, and even though it’s nice to have multiple companies, so many choices can make it hard to compare rates and find the lowest cost insurance coverage.
It is always a good idea to get comparison quotes at least once a year due to the fact that insurance rates change regularly. Even if you think you had the lowest price for Viper coverage six months ago there may be better deals available now. There is a lot of wrong information about insurance coverage online but with this article, you’re going to get some great ideas on how to quit paying high insurance coverage rates.
Cheap Auto Insurance Comparisons
All the larger auto insurance companies such as State Farm, Allstate and GEICO allow you to get price estimates on the web. Getting quotes is pretty easy as you just type in the coverage amounts you desire as requested by the quote form. When the form is submitted, their system will obtain your driving and credit reports and quotes a price based on many factors. Quoting online makes comparing rates easy, but the process of having to visit several different sites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you want to find lower prices.
Rate comparisons made easy
A quicker way to lower your auto insurance bill requires only one form to return rates from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes online quotes a little more enjoyable. After sending the form, it gets priced and you can select your choice of the resulting price quotes. If you find a better price you simply finish the application and purchase the new policy. The entire process can be completed in less than 10 minutes and may save quite a bit of money.
To save time and compare rates now, simply click here to open in new window and complete the simple form. If you currently have coverage, we recommend you complete the form with the coverage information just like they are on your policy. Doing this assures you will receive a fair comparison based on similar coverages.
Drivers who switch save $402 a year? Really?
Auto insurance companies such as State Farm, Allstate and GEICO continually stream television and radio advertisements. They all seem to make the same claim of big savings after switching your policy. How do they all say the same thing?
All the different companies have a preferred profile for the type of customer they prefer to insure. An example of a driver they prefer could possibly be over the age of 50, owns a home, and has great credit. A propective insured who meets those qualifications gets the lowest rates and as a result will probably cut their rates substantially.
Consumers who don’t meet the requirements will be quoted more money which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can state the savings. This emphasizes why drivers must get quotes from several different companies. It is impossible to predict which auto insurance company will provide you with the cheapest Dodge Viper insurance rates.
Take advantage of discounts
Companies don’t always advertise all their discounts very well, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving.
- Multi-car Discount – Insuring more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
- Homeowners Discount – Owning a house may earn you a small savings because of the fact that having a home is proof that your finances are in order.
- Auto/Life Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
- Use Seat Belts – Requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
- Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
- Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, auto insurance companies aren’t that generous.
For a list of companies offering auto insurance discounts, click this link.
How to know if you need help
When buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions might point out if your insurance needs would benefit from professional advice.
- Is my babysitter covered when using my vehicle?
- Why is insurance for a teen driver so high?
- When would I need additional glass coverage?
- Am I getting all the discounts available?
- Do I need replacement cost coverage on my 1996 Dodge Viper?
- Can I rent a car in Mexico?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.
Information about specific coverages
Knowing the specifics of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on most insurance policies.
Liability insurance protects you from damage that occurs to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability insurance covers things like pain and suffering, repair bills for other people’s vehicles, repair costs for stationary objects, structural damage and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as hitting a deer, fire damage and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for prosthetic devices, chiropractic care and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
Collision coverage protection
Collision insurance will pay to fix damage to your Viper from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims such as driving through your garage door, hitting a parking meter, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Viper.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
Shop Smart and Save
As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at the best price, not the least amount of coverage.
You just learned a lot of information how to save on 1996 Dodge Viper insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.
Helpful learning opportunities
- Teen Driving Statistics (iihs.org)
- Understanding Car Crashes Video (iihs.org)
- Event Data Recorders FAQ (iihs.org)
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
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