2017 Dodge Viper Insurance Rates 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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Looking for lower car insurance rates for your Dodge Viper? Wish you could get a refund on an underperforming, overpriced car insurance policy? Trust us when we tell you there are many people just like you.

Numerous insurers battle for your hard-earned dollar, so it’s not easy to compare every provider and get the best coverage at the best rate

How to buy insurance coverage online

To find cheap rates, there are a couple of ways to compare prices from many insurance coverage companies in your state. The recommended way to do a complete rate comparison is to perform an online rate comparison. This can be accomplished in several different ways.

  • One of the best ways to compare a lot of rates at once is a comparison rater form. This quick form prevents you from having to do separate quotes for every prospective company. Taking the time to complete one form gets insurance cost estimates from many national carriers.
  • A different way to get comparison quotes is going to each company website and request a quote. For examples sake, let’s assume you want to compare State Farm, Safeco and Progressive. You would have to navigate to each company’s site and enter your policy data, which can get old fast.

However you get your quotes, try to use the same deductibles and coverage limits with each company. If your comparisons have mixed coverages it will be very difficult to determine the best price for your Dodge Viper. Even a minor difference in coverage limits could skew the results. And when comparison shopping, comparing a wide range of rates increases your odds of finding a lower rate than you’re paying now. Some insurance companies are not set up to provide prices over the internet, so it’s important to also get prices from those companies as well.

Verify you’re getting every discount

Companies that sell car insurance don’t always list every discount very well, so we researched both well-publicized as well as the least known credits that you can use to lower your rates.

  • Cautious Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote for Viper insurance than their less cautious counterparts.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
  • Accident Forgiveness Coverage – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm will let one accident slide before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings of 25 to 30%.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with discounted prices on garaged vehicles.
  • Senior Discount – Drivers that qualify as senior citizens may qualify for reduced rates for Viper insurance.
  • College Student – who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.

Please keep in mind that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, it just doesn’t work that way.

Some of the larger companies that may include some of the discounts shown above include:

  • MetLife
  • State Farm
  • Progressive
  • Mercury Insurance
  • 21st Century
  • Allstate

If you need low cost insurance coverage quotes, ask each company or agent which discounts they offer. Some credits may not be available in your state. If you would like to view insurers that provide some of the discounts listed above, enter your zip code here.

Get cheap insurance premiums by understanding these factors

Many factors are taken into consideration when you get your auto insurance bill. Most are fairly basic such as your driving history, but some are more obscure such as whether you are married or your vehicle rating.

The following are some of the most rate-impacting factors used by insurance companies to determine rates.

  • Liability is critical – The liability coverage on your policy will protect you if ever you are responsible for damages from an accident. It will provide you with a defense in court to attempt to prove you were not liable. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so do not skimp.
  • Poor driving habits leads to higher prices – Even one speeding ticket or other violation may increase your cost to the point where it’s not affordable. Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Drivers who get serious violations such as DUI, reckless driving or excessive speeding are required to submit a SR-22 form with their state motor vehicle department in order to legally drive.
  • Married drivers pay lower costs – Your spouse may earn you lower rates on your policy. Having a spouse demonstrates that you tend to be more mature than a single person and statistics show married drivers tend to file fewer claims.
  • Car insurance rates can be impacted by your vocation – Did you know your car insurance rates can be affected by your occupation? Jobs like real estate brokers, police officers and medical professionals usually pay higher rates than the rest of us because of job stress and long work hours. On the flip side, jobs like farmers, students and homemakers pay the least for Viper insurance.
  • Incidental coverages can add up – There are a lot of additional coverages that may not really be needed if you aren’t careful. Coverages for coverage for rental cars, better glass coverage, and term life insurance may not be needed and are just wasting money. These may sound like a good investment when talking to your agent, but your money might be better spent on other coverage so eliminate them to save money.
  • More traffic equals higher premiums – Being located in less populated areas is a good thing when shopping for auto insurance. Fewer drivers and short commutes means less chance of accidents and a lower car theft rate. City drivers have much more traffic and higher rates of accident claims. Higher commute times means a statistically higher chance of an accident.

When should I discuss my situation with an agent?

When choosing the best car insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different so your insurance needs to address that. For example, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Does insurance cover damages from a DUI accident?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if I wreck a rental car?
  • Should I buy additional glass protection?
  • Can I afford low physical damage deductibles?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need replacement cost coverage?
  • If my 2017 Dodge Viper is totaled, can I afford another vehicle?
  • Are split liability limits better than a combined single limit?
  • Is there coverage for injuries to my pets?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Do insurance companies bend the truth?

Popular insurance providers such as 21st Century, Allstate and State Farm continually stream television, radio, and online ads. All the ads make the point that you can save if you switch your insurance coverage to their company. How is it plausible that every one can give you a better price?

Many companies have underwriting criteria for the type of customer that will not have excessive claims. For instance, a desirable risk should be over age 30, has other policies, and insures a new vehicle. Any person that hits that “sweet spot” will get a cheap rate quote and most likely will cut their rates substantially.

Drivers who fall outside these criteria will have to pay higher premiums with the end result being the customer buying from a different company. The ads state “customers who switch” but not “everyone who gets a quote” save money. This is how companies can advertise the savings.

This illustrates why you really need to do a rate comparison at every renewal. Because you never know the company that will give you the biggest savings.

The coverage is in the details

Having a good grasp of your insurance policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are set the same as your liability limits.

Coverage for liability

Liability coverage protects you from damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims. It does not 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. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as emergency aid, legal defense fees, funeral expenses and court costs. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, theft and fire damage. The most 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 consider removing comprehensive coverage.

Collision protection

Collision coverage covers damage to your Viper from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, sustaining damage from a pot hole, colliding with a tree and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for EMT expenses, surgery and funeral costs. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Stretch your dollar

Cheaper 2017 Dodge Viper insurance is attainable on the web in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. Some insurance companies may not offer internet price quotes and these regional carriers prefer to sell through independent insurance agencies.

As you quote insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an insured cut full coverage only to regret at claim time they didn’t purchase enough coverage. The goal is to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

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