If you want to find the absolute lowest rates, then the best way to get affordable Dodge Viper insurance in Mesa is to compare prices at least once a year from companies who provide car insurance in Arizona. Drivers can shop around by following these steps.
Step 1: Spend a few minutes and learn about how your policy works and the things you can change to prevent expensive coverage. Many things that cause rate increases such as at-fault accidents and a negative credit rating can be controlled by making minor changes to your lifestyle. This article provides more ideas to prevent high prices and find possible discounts that are available.
Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while independent agents can quote prices for a wide range of insurance providers. Begin your rate comparison
Step 3: Compare the new quotes to the price on your current policy to see if cheaper Viper coverage is available in Mesa. If you find better rates and change companies, verify that coverage does not lapse between policies.
Step 4: Provide notification to your current company of your intent to cancel the current policy. Submit payment along with a signed and completed policy application to your new company or agent. As soon as you can, put the certificate of insurance in your vehicle.
The most important part of shopping around is that you’ll want to make sure you compare similar limits and deductibles on each quote request and and to get price quotes from every insurance company. Doing this enables a fair price comparison and and a good selection of different prices.
It’s an obvious conclusion that insurance companies don’t want their customers to go rate shopping. Insureds who shop rates annually are very likely to switch to a new company because there is a good chance of finding a more affordable policy. A recent car insurance study revealed that drivers who did price comparisons regularly saved about $850 each year as compared to drivers who never shopped around for cheaper prices.
If finding the cheapest price for insurance is why you’re reading this, knowing how to quote and compare coverages can make shopping around easier.
Discounts can help lower premiums on Dodge Viper insurance in Mesa
Companies don’t always advertise all possible discounts in a way that’s easy to find, so here is a list some of the best known and also the lesser-known ways to save on auto insurance.
- Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class as it can save substantially.
- Defensive Driver Discounts – Taking time to complete a defensive driving course could possibly earn you a 5% discount if your company offers it.
- Passive Restraint Discount – Factory options such as air bags or motorized seat belts may get savings as much as 30%.
- Multiple Vehicles – Buying insurance for several vehicles on one policy could earn a price break for each car.
- Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts can save up to 15% off PIP or medical payments premium.
- Organization Discounts – Being in a professional or civic organization could trigger savings on your next renewal.
As a footnote on discounts, some credits don’t apply to the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, it just doesn’t work that way. But any discount should help lower the cost of your policy.
The information below illustrates the comparison of Dodge Viper annual premium costs with and without discounts applied to the policy rates. The data assumes a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, safe-driver, multi-policy, and marriage discounts applied.
To choose companies that have a full spectrum of discounts in Arizona, click this link.
Getting a cheaper price on insurance is a great way to save money. All that’s required is to take the time comparing rates to find the company with affordable Dodge Viper insurance quotes.
Getting quotes online is very simple and it replaces the need to drive around to local insurance agencies. Quoting Dodge Viper insurance online has made agencies unnecessary unless your situation requires the trained advice of a local agent. Drivers can obtain prices from the web but buy the policy through an agent.
The providers in the list below are our best choices to provide free rate quotes in Arizona. To locate cheap auto insurance in Mesa, AZ, we recommend you compare several of them in order to find the most competitive rates.
Premium rates and analysis
The premium table shown below highlights detailed analysis of coverage costs for Dodge Viper models. Being able to understand how prices are formulated can benefit drivers when making informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Viper SRT/10 2-Dr Coupe||$256||$588||$282||$16||$84||$1,226||$102|
|Viper SRT/10 2-Dr Roadster||$256||$588||$282||$16||$84||$1,226||$102|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in Mesa location which can increase or decrease insurance rates noticeably.
The diagram below demonstrates how deductibles and can affect Dodge Viper insurance prices for different categories of driver ages. The costs are based on a single male driver, full physical damage coverage, and no discounts are factored in.
Dodge Viper insurance rates by age and gender
The information below shows the difference between Dodge Viper car insurance rates for male and female drivers. Data assumes no violations or claims, comp and collision included, $250 deductibles, drivers are single, and no discounts are factored in.
Rate comparison of full coverage and liability-only
The diagram below illustrates the difference between Dodge Viper insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The data assumes no claims, a clean driving record, $1,000 deductibles, marital status is single, and no discounts are applied.
When to stop buying physical damage coverage
There is no specific rule of when to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s assume your Dodge Viper replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after you pay the deductible. If you are currently paying more than $600 annually to have full coverage, then you might consider buying liability only.
There are some circumstances where removing full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Lower Your Mesa Insurance Costs
Many things are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but other criteria are more transparent like your vehicle usage or how financially stable you are.
The itemized list below are some of the most common factors that factor into your rate level.
Better drivers pay less – Careful drivers have lower premiums compared to bad drivers. Having just one moving violation may increase your cost by twenty percent. Drivers who have gotten serious violations like reckless driving or DUI are required to file a SR-22 to the state department of motor vehicles in order to legally drive.
The diagram below demonstrates how speeding tickets and at-fault claims can influence Dodge Viper car insurance rates for different insured age categories. The costs are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
- High physical damage deductibles cost less – Comp and collision deductibles define the amount the insured will be required to pay if the claim is covered. Protection for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of covered claims could be collision with another vehicle, collision with a deer, or theft of your vehicle. The larger the amount the insured has to pay upfront, the better rate you will receive.
- More traffic equals higher premiums – Choosing to live in a rural area has it’s advantages if you are looking for the lowest rates. Less people means reduced accidents as well as less vandalism and auto theft. Residents of big cities have more traffic problems and more severe claims. The longer drive time can result in more accidents.
High performance equals high prices – The type of car, truck or SUV you need insurance for makes a huge difference in your auto insurance rates. The lowest premiums are for smaller low performance passenger models, but the cost you end up paying is determined by many additional factors.
The chart below assumes a single male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. The data compares Dodge Viper rates compared to other models of vehicles that have different performances.
- Lower rates with a multi-policy discount – Most major insurance companies afford a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to get quotes from other companies to help ensure you have the lowest rates. Drivers may still save money by splitting coverages up.
- Cars with good safety ratings lower premiums – Cars with high safety ratings cost less to insure. Safe vehicles reduce injuries and fewer serious injuries means lower claim amounts and lower rates for you.
Teen vs. older drivers – More mature drivers tend to be more responsible, statistically cause fewer accidents, and receive fewer citations. Teen drivers have a tendency to be careless and easily distracted in a vehicle and because of this, their insurance rates are much higher.
The following chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
Insurance losses for a Dodge Viper – Insurers use claims history to help set a rate to offset losses. Vehicles that have increased claim numbers or amounts will have a higher premium rate. The table below outlines the historical insurance loss data for Dodge Viper vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles combined as an average is equal to 100. Values that are 100 or less are indicative of better than average losses, while numbers that are greater than 100 indicate frequent claims or an increased probability of a larger loss.
Dodge Viper Insurance Claim Statistics Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Dodge Viper 2dr 147BETTERAVERAGEWORSE
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When to contact an insurance agency
Some people just prefer to get professional advice from a licensed agent and doing that can be a smart decision Good agents can help you build your policy and will help you if you have claims. One of the benefits of comparing insurance online is the fact that drivers can get cheap rate quotes and still have an agent to talk to. Buying from and supporting neighborhood agents is important especially in Mesa.
Once you complete this simple form, the quote information is immediately sent to companies in Mesa that can give you free Mesa auto insurance quotes to get your business. It’s much easier because you don’t need to even leave your home since price quotes are sent immediately to your email address. If you have a need to compare prices from one company in particular, you can always find their quoting web page and fill out their quote form.
Listed below is a list of car insurance companies in Mesa that are able to give comparison quotes for Dodge Viper insurance in Mesa.
Choosing a company requires more thought than just the price. These questions are important to ask:
- Do they see any coverage gaps in your plan?
- Which company do they place the most coverage with?
- Is the agency covered by Errors and Omissions coverage?
- Do they review policy coverages at every renewal?
- Is their price quote a firm figure or are their hidden costs?
- What is their Better Business Bureau rating?
- How long has the business existed?
Upon receiving positive responses to any questions you may have and a good coverage price, you’ve probably found an insurer that can service your policy.
Insurance is an important decision
Even though Mesa Viper insurance rates can get expensive, insurance may not be optional for several reasons.
First, just about all states have compulsory liability insurance requirements which means you are required to buy a minimum amount of liability insurance if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your Viper, more than likely the lender will stipulate that you have full coverage to guarantee their interest in the vehicle. If the policy lapses, the bank will be required to insure your Dodge at an extremely high rate and require you to fork over a much higher amount than you were paying before.
Third, insurance safeguards both your car and your assets. It will also provide coverage for all forms of medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If you have damage to your Dodge as the result of the weather or an accident, your insurance policy will pay to have it repaired.
The benefits of buying enough insurance outweigh the cost, specifically if you ever have a liability claim. An average driver in America is overpaying more than $820 a year so compare quotes from several companies at every policy renewal to be sure current rates are still competitive.
Lower rates by being persistent
We’ve covered a lot of tips how to reduce Dodge Viper insurance premium rates online in Mesa. The key concept to understand is the more providers you compare, the better your comparison will be. You may even discover the lowest premium rates come from some of the smallest insurance companies. They may often insure only within specific states and give better rates as compared to the big name companies such as Progressive and GEICO.
When shopping online for car insurance, you should never reduce needed coverages to save money. There are a lot of situations where an insured cut liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at the best cost and still be able to protect your assets.
To read more, take a look at the articles below:
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Who Has the Cheapest Mesa Auto Insurance Quotes for High School Students? (FAQ)
- How Much are Mesa Car Insurance Quotes for Teachers? (FAQ)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Collision Coverage (Liberty Mutual)
- Speed and Speed Limit FAQ (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)