How Much Does 2004 Dodge Viper Car Insurance Cost?

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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: May 12, 2022

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People new to buying insurance online could find finding affordable auto insurance nearly impossible.

Buying car insurance is easy if you know what you’re doing. Just about every vehicle owner who shops for insurance will most likely be able to reduce their rates. But car owners do need to understand how big insurance companies compete online and take advantage of how the system works.

Pay less for Dodge Viper insurance

Companies offering auto insurance don’t always list all available discounts very well, so here is a list both well-publicized and the harder-to-find savings tricks you should be using.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for Viper coverage depending on your company.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiring. It’s a savings of about 10%.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Double check with each insurance company how you can save money. All car insurance discounts may not apply in every state.

How to Lower Your Auto Insurance Cost

Comparing auto insurance rates can take hours if you aren’t aware of the fastest way to get free quotes. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to quickly compare rates.

Most of the best insurance companies belong to an insurance system that enables customers to send in one quote, and at least one company can give them a price based on that information. This eliminates the need for quote forms for every auto insurance company.

To use this form to compare 2004 Dodge Viper insurance rates click here to open in new window.

The single downside to using this type of form is that you can’t choose the companies you will receive quotes from. So if you want to select individual companies to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same quote information for each comparison quote. If each company quotes different values for each quote it’s not possible to make a fair comparison for your Dodge Viper. Quoting even small variations in coverages can mean a large discrepancy in price. Just remember that obtaining a wide range of quotes will increase your chances of finding better pricing.

Dodge Viper insurance premiums are calculated by many factors

It’s important that you understand the different types of things that come into play when calculating your auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get better auto insurance rates.

  • Multi-policy discounts can save money – The majority of companies will award you with lower prices to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to compare other company rates to ensure the best deal.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. Safer cars protect occupants better and better occupant protection means less money paid by your insurance company and thus lower rates. If your Dodge is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Little extras can really add up – There are quite a few add-on coverages that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, accidental death and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Equipment add-ons that lower auto insurance rates – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Your job and insurance rates – Jobs such as judges, executives and dentists tend to pay the highest average rates because of high stress and long work hours. Other jobs such as pilots, historians and the unemployed have the lowest average rates for Viper coverage.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can aid in determining if your insurance needs might need professional guidance.

  • Does my car insurance cover rental cars?
  • When can my company non-renew my policy?
  • If my 2004 Dodge Viper is totaled, can I afford another vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I get a multi-policy discount?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Insurance coverages explained

Having a good grasp of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like prosthetic devices, ambulance fees and funeral costs. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

This will cover damage that occurs to a person or their property. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like emergency aid, repair costs for stationary objects, medical expenses and court costs. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Collision coverage

This covers damage to your Viper from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Viper.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hitting a bird, damage from flooding and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Buy Smart and Save

We’ve covered a lot of techniques to get a better price on 2004 Dodge Viper insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from a small local company.

People change insurance companies for a number of reasons such as being labeled a high risk driver, high prices, not issuing a premium refund or delays in responding to claim requests. It doesn’t matter what your reason, switching companies is less work than it seems.

While you’re price shopping online, never reduce needed coverages to save money. There have been many situations where consumers will sacrifice full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

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