How Much Does 1998 Dodge Viper Insurance Cost?

Are you a victim of an underperforming, overpriced insurance coverage policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Popular companies such as State Farm, Geico and Farmers Insurance increase brand awareness with advertising and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

You should take the time to check insurance coverage prices periodically because rates change frequently. Just because you had the lowest price for Viper coverage last year you may be paying too much now. There is too much inaccurate information about insurance coverage online, so by reading this article, you’re going to learn some of the best ways to find cheap insurance coverage.

How to Lower Your Insurance Coverage Cost

The are a couple different ways to compare rate quotes and find the best price. The quickest method to find the lowest 1998 Dodge Viper rates consists of shopping online. This is very easy and can be done using a couple different methods.

The fastest way to get quotes is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do separate quotes for each company you want a rate for. One form submission gets you coverage quotes from several companies.
A different way to obtain and compare quotes online consists of visiting the website for each individual company and fill out their own quote form. For examples sake, let’s assume you want to compare USAA, State Farm and Travelers. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method.
For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but double check that you are using the exact same coverage information on every quote you get. If each company quotes mixed coverages it will be impossible to determine which rate is truly the best. Just a small difference in insurance coverages can make a big difference in price. Just keep in mind that more quotes helps you find better pricing.

Misconceptions in car insurance advertisements

Car insurance companies such as State Farm, Geico and Progressive continually stream ads on TV and radio. They all seem to make an identical promise of big savings after switching your coverage to them. How can each company make almost identical claims?

Insurance companies have a preferred profile for the type of customer that is profitable for them. For instance, a profitable customer might be profiled as between 30 and 50, has no tickets, and has a short commute. Any new insured who matches those parameters will get the preferred rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t measure up to this ideal profile will have to pay higher prices which leads to business not being written. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That’s the way companies can make the claims of big savings. Because of the profiling, drivers must compare many company’s rates. It’s impossible to know the company that will provide you with the cheapest Dodge Viper insurance rates.

These factors can influence Dodge Viper insurance rates

Smart consumers have a good feel for the rating factors that come into play when calculating car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

Better credit means lower rates – Having a bad credit history is a big factor in determining your rates. If your credit history is not that good, you could save money insuring your 1998 Dodge Viper by improving your credit score. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower credit scores.
Never let your coverage lapse – Allowing your car insurance policy to lapse is a sure-fire way to increase your car insurance rates. And not only will insurance be more expensive, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with your state DMV.
Teen drivers pay high rates – Mature drivers tend to be more responsible, file fewer claims and are safer drivers. Young drivers are known to be careless and easily distracted in a vehicle and because of this, their car insurance rates are much higher.
Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. They both cause accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.

Don’t miss out on these money-saving discounts

Auto insurance companies do not advertise every available discount in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving.

Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
Lower Rates for Military – Being deployed with a military unit could mean lower rates.
No Claims – Good drivers with no accidents can earn big discounts when compared with bad drivers.
Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Viper coverage than their less cautious counterparts.
Discount for Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
Paperwork-free – Certain companies will give a small break for buying your policy digitally online.
Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.

Consumers should know that some credits don’t apply to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

Companies that may have these discounts may include but are not limited to:

Check with every prospective company how you can save money. Discounts might not apply in every state.

Do I need special coverages?

When choosing the best insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different so your insurance should reflect that For example, these questions can aid in determining if your insurance needs will benefit from professional help.

How high should deductibles be on a 1998 Dodge Viper?
Is business equipment covered while in my vehicle?
Is my state a no-fault state?
I have good health insurance, so how much medical payments coverage do I need?
Does my policy cover me when driving someone else’s vehicle?
Am I getting all the discounts available?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance coverages 101

Knowing the specifics of insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, fire damage, damage from flooding and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses such as nursing services, dental work and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, backing into a parked car, driving through your garage door, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Auto liability insurance

This coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as medical services, emergency aid, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 1998 Dodge Viper.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Keep this in mind

When you buy insurance online, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where someone dropped full coverage to discover at claim time that it was a big mistake. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

You just read some good ideas how you can compare 1998 Dodge Viper insurance prices online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from the smaller companies. These companies can often provide lower rates in certain areas compared to the large companies like Allstate, Geico and Progressive.