Lower Your 2016 Dodge Viper Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2024

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Searching for cheaper insurance for a Dodge Viper can be an all-consuming task, but you can use our insurance coverage buying tips to save time. There is a better way to shop for insurance coverage so we’re going to tell you the absolute fastest way to quote coverages for your Dodge and obtain the lowest price from local insurance agents and online providers.

It’s a great practice to get comparison quotes periodically because insurance coverage prices are usually higher with each renewal. Even if you think you had the best deal on Viper insurance two years ago you can probably find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to find out the best methods to eliminate unnecessary coverages and save money.

Seven factors that influence insurance prices

When buying insurance it’s important to understand some of the things that aid in calculating the level of your policy premiums. If you know what impacts premium levels, this enables informed choices that may reward you with big savings. Many factors are part of the equation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, although some other factors are less apparent like where you live or how financially stable you are.

  • Liability coverage safeguards assets – The liability coverage on your policy is the protection in the event that a court rules you are at fault for damages from an accident. It provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Urban residents pay more – Residing in less populated areas of the country may provide you with better prices when talking about insurance. Fewer drivers on the road translates into fewer accident claims as well as less vandalism and auto theft. People who live in big cities tend to have more road rage incidents and higher rates of accident claims. More time commuting means higher likelihood of an accident.
  • Do you work long hours in a stressful vocation? – Do you have a high-stress occupation? Occupations like judges, air traffic controllers and emergency personnel generally have higher average rates in part from intense work-related stress and long work days. Other jobs such as professors, engineers and homemakers have the lowest average rates on Viper insurance.
  • High comp and collision deductibles equal low rates – Physical damage deductibles define how much you are required to spend in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are a windshield broken by a bird, fire damage, or theft of your vehicle. The more you’re willing to pay, the lower your rates will be on Viper insurance.
  • No policy claims equals cheaper rates – Auto insurance companies give the best rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Your car insurance is designed for major claims that would cause financial hardship.
  • Where do you drive? – The more miles you rack up on your Dodge each year the higher your rates will be. A lot of companies price each vehicle’s coverage based upon how the vehicle is primarily used. Vehicles left parked in the garage receive better premium rates than those used for commuting. Having an incorrect usage rating on your Viper may be costing you higher rates. Ask your agent if your vehicle rating properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
  • Multi-policy discounts can save money – The majority of insurance companies will give a discount to policyholders who buy several policies from them in the form of a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount, consumers should still check prices from other companies to help ensure you have the lowest rates.

Drivers save money with these premium-slashing discounts

Insurance can be prohibitively expensive, but companies offer discounts that you may not even know about. A few discounts will automatically apply when you quote, but a few must be specially asked for prior to receiving the credit.

  • Sign Early and Save – Some companies give discounts for switching companies before your current expiration date. You could save around 10% when you buy auto insurance online.
  • Savings for New Vehicles – Buying a new car model can be considerably cheaper compared to insuring an older model.
  • Payment Method – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a discounted premium rate on car insurance if you buy some life insurance too.
  • Defensive Driver – Taking a course teaching driver safety skills is a good idea and can lower rates if you qualify.
  • More Vehicles More Savings – Buying a policy with multiple cars on one policy could earn a price break for each car.
  • ABS Brakes – Cars and trucks with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Homeowners Discount – Just being a homeowner can save a few bucks since home ownership means you have a higher level of financial diligence.
  • Drivers Ed for Students – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, it’s just not the way it works. But all discounts will lower your policy premium.

Larger insurance companies and some of their more popular discounts can be read below.

  • State Farm may have discounts that include student away at school, passive restraint, multiple policy, good driver, and multiple autos.
  • Esurance may include discounts for Switch & Save, anti-lock brakes, multi-car, paid-in-full, and online quote.
  • Progressive includes discounts for good student, online signing, online quote discount, multi-policy, and continuous coverage.
  • Liberty Mutual offers discounts including newly married, new move discount, hybrid vehicle, new vehicle discount, preferred payment discount, and new graduate.
  • Auto-Owners Insurance offers premium reductions for student away at school, multi-policy, teen driver, air bags, safe driver, and anti-theft.
  • GEICO has discounts for membership and employees, anti-lock brakes, driver training, air bags, daytime running lights, and defensive driver.

Double check with every prospective company how you can save money. Some of the discounts discussed earlier might not be offered in every state. To see a list of insurance companies with discount rates, enter your zip code here.

Do I need special coverages?

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions could help you determine if your situation might need an agent’s assistance.

  • Do I have coverage when pulling a U-Haul trailer?
  • When does my teenage driver need to be added to my policy?
  • Why am I required to buy high-risk coverage?
  • Do I need replacement cost coverage on my 2016 Dodge Viper?
  • Is my 2016 Dodge Viper covered for smoke damage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if I drive in a foreign country?
  • How can I get my company to pay me more for my totalled car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete your zip code. It is quick, free and can provide invaluable advice.

Coverages available on your car insurance policy

Learning about specific coverages of car insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses like ambulance fees, nursing services, hospital visits, funeral costs and pain medications. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability

This will cover damage or injury you incur to people or other property. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like pain and suffering, repair costs for stationary objects, legal defense fees and medical services. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Viper.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed and a broken windshield. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

This covers damage to your Viper caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, backing into a parked car, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

A penny earned…

More affordable auto insurance can be bought on the web and with local insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers may not provide online rate quotes and many times these smaller providers prefer to sell through local independent agents.

Insureds switch companies for any number of reasons including not issuing a premium refund, lack of trust in their agent, policy cancellation or even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

When shopping online for auto insurance, don’t be tempted to buy less coverage just to save a little money. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at the best cost.

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