Compare 1997 Dodge Viper Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you’re not the only one. Because you have many companies to choose from, it can be impossible to choose the right car insurance company.

You should take the time to compare rates periodically because rates trend upward over time. If you had the best rates on Viper coverage six months ago other companies may now be cheaper. Starting now, ignore everything you know about car insurance because you’re going to get a crash course in how to quote online to properly buy coverages and cut your premium.

The easiest way to compare car insurance company rates is to know auto insurance companies pay for the opportunity to quote your coverage. To begin a comparison, all you need to do is provide a little information such as how your vehicles are used, any included safety features, what you do for a living, and daily mileage. Your rating data is sent automatically to many of the top insurers and they provide comparison quotes almost instantly.

Verify you’re getting all your discounts

Companies that sell car insurance don’t always advertise every available discount in a way that’s easy to find, so we researched both the well known and the more hidden insurance savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

Government Employees – Being employed by or retired from a federal job can save as much as 8% on Viper coverage depending on your company.
Auto/Home Discount – When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
No Charge for an Accident – A handful of insurance companies permit an accident without raising rates as long as you don’t have any claims for a set time period.
Drive Safe and Save – Safe drivers may receive a discount up to 45% less on Viper coverage than less cautious drivers.
Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
Low Mileage – Keeping the miles down on your Dodge can earn lower rates on the low mileage vehicles.
Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last until age 25.

It’s important to note that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of companies offering insurance discounts, click here.

When should I talk to an agent?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions can aid in determining if your insurance needs could use an agent’s help.

Am I covered if my car is in a flood?
How can I find cheaper teen driver insurance?
What happens if I owe more than my 1997 Dodge Viper is worth?
Will I lose any money if I cancel my policy before it expires?
Does coverage extend to my business vehicle?
What can I do if my company won’t pay a claim?
Should I buy full coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to 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 auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance policy specifics

Knowing the specifics of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.

Auto collision coverage

This coverage will pay to fix damage to your Viper resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, court costs, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as prosthetic devices, rehabilitation expenses, funeral costs, doctor visits and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM Coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Viper.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, rock chips in glass and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.