2015 Dodge Viper Car Insurance Rates

Looking for better insurance rates for your Dodge Viper? Scraping up a payment for overpriced Dodge Viper insurance can empty your savings account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

You have so many auto insurance companies to insure vehicles with, and though it is a good thing to have a choice, having more insurance companies makes it harder to compare rates and cut insurance costs.

Dodge Viper insurance rates can be determined by these details

Consumers need to have an understanding of the different types of things that help determine your auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Bad driving skills means higher rates – Good drivers tend to pay less for car insurance compared to drivers with tickets. Even one moving violation can increase rates by as much as thirty percent. If you have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection when you are found to be at fault for damages from an accident. Liability insurance provides legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Better credit means lower rates – Your credit rating is a big factor in calculating your auto insurance rates. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. If your credit score can use some improvement, you could save money insuring your 2015 Dodge Viper by repairing your credit.
  • High deductibles save money – Coverage for physical damage, also known as collision and other-than-collision, protects your Dodge from damage. Some instances where coverage would apply are collision with another vehicle, collision with an animal, or theft. Physical damage deductibles are the amount of money you are willing to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the lower your rates will be on Viper insurance.
  • Theft deterrents lower rates – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • More people means more accidents – Choosing to live in a rural area is a positive aspect when buying auto insurance. Less people living in that area means reduced accidents. Drivers in populated areas tend to have more traffic problems and longer commute times. Longer commute distances translates into higher accident risk.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores are cheaper to insure. The safest vehicles reduce injuries and better occupant protection translates into savings for insurance companies and lower rates for you. If your Dodge Viper has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Drive less and save money – The more miles you rack up on your Dodge in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Autos that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your auto insurance policy properly reflects how each vehicle is driven. Incorrect usage on your Viper may be wasting your money.

Pay less by taking advantage of discounts

The price of auto insurance can be rather high, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be requested specifically before you get the savings.

  • Accident Forgiveness – Some insurance companies permit an accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Discount for Swiching Early – Select companies give a discount for switching policies prior to your current policy expiration. The savings is around 10%.
  • No Accidents – Drivers who don’t have accidents can save substantially when compared to drivers who are more careless.
  • Paperwork-free – Certain companies will give a small break simply for signing online.
  • Low Mileage – Keeping the miles down on your Dodge could qualify for lower rates on the low mileage vehicles.
  • Homeowners Discount – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will help reduce your premiums.

To see a list of providers who offer car insurance discounts, click here.

Your coverage should be tailored to you

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help highlight whether you may require specific advice.

  • Do all my vehicles need collision coverage?
  • Should I buy full coverage?
  • Does coverage extend to my business vehicle?
  • Is my camper covered by my car insurance policy?
  • What companies insure drivers after a DUI or DWI?
  • Where can I find high-risk insurance?
  • Can I drive in Mexico and have coverage?
  • I have health insurance so do I need medical payments coverage?
  • What is an SR-22 filing?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Educate yourself about auto insurance coverages

Having a good grasp of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by auto insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses such as X-ray expenses, surgery and EMT expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability coverage

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair bills for other people’s vehicles, pain and suffering, funeral expenses, attorney fees and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Viper.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage covers damage to your Viper from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, hitting a mailbox, driving through your garage door, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Shop around and save

Low-cost 2015 Dodge Viper insurance can be purchased from both online companies and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

We just covered many ways to get a better price on insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a lesser-known regional company. They often have lower prices on specific markets as compared to the big name companies such as Progressive and Geico.

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