2003 Dodge Viper Insurance Cost – 5 Ways to Save

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Looking for cheaper insurance rates for your Dodge Viper? Finding cheaper insurance for your Dodge Viper can turn out to be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to shop for insurance and we’ll show you the best way to quote coverages for a new or used Dodge and find the lowest price.

You should make it a habit to take a look at other company’s rates quite often because insurance rates change quite often. Even if you got the best deal on Viper coverage six months ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to one of the quickest ways to reduce your cost while improving coverage.

Buying car insurance is not that difficult. If you have a policy now or are shopping for new coverage, you can use this information to cut your premiums while maintaining coverages. Drivers only need to know the best way to get comparison rates online.

Comprehensive Insurance Coverage Comparison Quotes

Most companies such as Progressive, Allstate and GEICO quote pricing on their websites. This process is quite easy as you just enter your coverage preferences as requested by the quote form. After the form is submitted, their rating system gets your driving record and credit report and provides a quote based on many factors.

Quoting online makes comparing rates easy, but the process of having to visit each company’s website and repetitively enter the same data into a form is repetitive and time-consuming. But it’s very important to compare as many rates as possible if you want to find the lowest insurance coverage rates.

There is a better way to compare rates

A more efficient way to find lower prices uses one simple form to get prices from several different companies. The form is fast, eliminates repetitive work, and makes online quotes much easier to do. As soon as you send your information, it is rated and you are able to buy any of the pricing results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The whole process only takes a few minutes and may result in a nice savings.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you copy coverages and limits identical to your current policy. This helps ensure you will get rate comparison quotes for exact coverage.

Are you getting all your discounts?

Companies offering auto insurance don’t list every discount in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find auto insurance savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Low Mileage Discounts – Fewer annual miles on your Dodge can qualify you for a substantially lower rate.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Viper coverage than less cautious drivers.
  • Distant Student – Youth drivers living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may earn at least 10% off all policies.

It’s important to understand that most discounts do not apply the whole policy. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way.

A partial list of companies that may offer these benefits include:

It’s a good idea to ask each company which discounts you may be entitled to. Discounts may not be available everywhere.

Tailor your coverage to you

When choosing the best insurance coverage coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

  • What is UM/UIM insurance?
  • Does having multiple vehicles earn me a discount?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I better off with higher deductibles on my 2003 Dodge Viper?
  • Do I need medical payments coverage since I have good health insurance?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Insurance coverages explained

Knowing the specifics of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, hail damage and vandalism. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays for damage to your Viper resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, scraping a guard rail, backing into a parked car, rolling your car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Viper.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability auto insurance – Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things such as funeral expenses, repair costs for stationary objects, structural damage, pain and suffering and emergency aid. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as ambulance fees, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

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