Cheap 2000 Dodge Viper Insurance Rates

Trying to find cheaper auto insurance rates for your Dodge Viper? Nobody I know likes paying for auto insurance, particularly when the price is too high.

Popular companies such as State Farm, Farmers Insurance, Geico and Allstate all claim big savings with catchy ads and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Fast and Easy Auto Insurance Quotes

There are a variety of methods to compare 2000 Dodge Viper auto insurance prices but one way is more efficient than others. You could spend your day talking to insurance agencies in your area, or you could use online quoting to achieve your goal.

Most car insurance companies belong to an insurance system that allows shoppers to submit their information once, and every company returns a competitive quote determined by their information. This system prevents you from having to do quotation requests for each company.

To participate in this free quote system, click to open in new window.

The only drawback to using this type of form is that consumers can’t choose which providers to get pricing from. If you prefer to choose specific providers for rate comparison, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make darn sure you compare exactly the same coverage limits and deductibles for each comparison quote. If you have different limits and deductibles on each one it will be very difficult to truly determine the lowest rate. Just a small difference in coverages can result in a big premium difference. Just remember that more quotes provides better odds of finding a better price.

Discounts on 2000 Dodge Viper insurance

Car insurance companies don’t always advertise all available discounts very well, so here is a list both the well known and the more hidden insurance savings.

  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Viper coverage with select insurance companies.
  • Save over 55 – If you’re over the age of 55, you may qualify for reduced rates on Viper coverage.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Memberships – Belonging to a professional or civic organization could trigger savings on your policy on Viper coverage.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Viper coverage than drivers with accidents.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Drivers Education – Require your teen driver to take driver’s ed class in high school.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free insurance policy, you won’t be that lucky.

Car insurance companies who might offer these discounts are:

Check with all companies you are considering how you can save money. All car insurance discounts may not apply everywhere.

Tailor your coverage to you

When buying the best car insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might help in determining if your insurance needs might need professional guidance.

  • Exactly who is provided coverage by my policy?
  • Should I have a commercial auto policy?
  • Do I pay less for low miles?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered when delivering products for my home-based business?
  • Is my cargo covered for damage or theft?
  • Do I really need UM/UIM coverage?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Dodge Viper premiums are determined by many factors

An important part of buying insurance is that you know the different types of things that play a part in calculating your insurance rates. Understanding what controls the rates you pay enables informed choices that will entitle you to better insurance rates.

Shown below are some of the factors insurance companies consider when setting prices.

  • Lower rates with optional equipment – Driving a car with a theft deterrent system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Rate your vehicle for proper use – Driving more miles every year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your insurance coverage is rated on the proper vehicle usage. Incorrect usage on your Viper may be wasting your money.
  • Where you live can impact rates – Residing in small towns and rural areas is a positive aspect when it comes to insurance. Fewer people translates into fewer accidents as well as less vandalism and auto theft. City drivers have to deal with more traffic problems and a longer drive to work. More time on the road means more change of being in an accident.
  • Men fork out a little more – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes are in accidents in similar numbers, but the men cause more damage. Men also statistically have more aggressive citations such as reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Frequent insurance claims increase rates – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Companies give discounts to people who do not file claims often. Auto insurance is intended for larger claims.
  • Marriage pays dividends – Being married can get you a discount on insurance. It translates into being more mature than a single person and it’s proven that being married results in fewer claims.

Drivers who switch save $435 a year? Really?

Auto insurance companies such as Geico, State Farm and Progressive consistently run television and radio advertisements. They all seem to make an identical promise of big savings if you change to their company. How do they all claim to save you money?

Different companies have a certain “appetite” for the type of driver that makes them money. A good example of a preferred risk might be profiled as between 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t measure up to the “perfect” profile will be quoted higher prices and ends up with business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save that much. That’s why companies can claim big savings. This emphasizes why you need to get as many quotes as possible. It’s impossible to know which insurance companies will give you the biggest savings on Dodge Viper insurance.

Auto insurance 101

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on the average insurance policy.

Comprehensive coverages – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, theft, fire damage and damage from flooding. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, colliding with a tree, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2000 Dodge Viper.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses for doctor visits, X-ray expenses, rehabilitation expenses and pain medications. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage can cover damages or injuries you inflict on other’s property or people. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as court costs, medical services, attorney fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Compare but don’t skimp

We covered many ideas to lower your 2000 Dodge Viper insurance rates. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with some of the smallest insurance companies. These companies may cover specific market segments cheaper than their larger competitors like Allstate, Geico and Progressive.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced collision coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at a price you can afford.

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