Are you irritated from scraping nickels together to buy car insurance? You are no different than millions of other people. Many insurers compete for your insurance dollar, so it’s not easy to compare every company and get the best coverage at the lowest price
If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Buying car insurance is not rocket science. Nevertheless, consumers benefit from understanding the way companies sell insurance online and apply this information to your search.
Learn How to Lower Your Insurance Costs
Smart consumers have a good feel for the rating factors that aid in calculating your premiums. When you know what positively or negatively influences your rates, this enables informed choices that will entitle you to big savings.
- You might want pay the minor insurance claims yourself – If you’re an insured who likes to file claims you should expect either policy cancellation or increased premiums. Auto insurance companies give lower rates to drivers who only file infrequent claims. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
- Never allow your car insurance policy to lapse – Having a lapse in insurance coverage is a quick way to pay more for car insurance. Not only will rates go up, the inability to provide proof of insurance may result in fines or a revoked license.
- Safer vehicles lower premiums – Cars with high safety ratings tend to be cheaper to insure. Safer cars result in less severe injuries and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders.
- Drive fewer miles and save – The more miles you rack up on your Dodge annually the more you’ll pay to insure your vehicle. Most insurance companies calculate prices based upon how you use the vehicle. Cars and trucks that sit idle most of the time qualify for better rates than those that get driven frequently. It’s always a good idea to double check that your car insurance policy states annual mileage, because it can save money. Having the wrong rating on your Viper is throwing money out the window.
- Deter theft and pay less – Buying a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your vehicle from being stolen.
- Better drivers pay less – How you drive has a big impact on rates. Good drivers tend to pay less for car insurance than their less careful counterparts. Only having one citation could increase your next policy renewal by as much as thirty percent. People who have dangerous violations such as DWI, reckless driving or hit and run convictions may need to complete a SR-22 with the DMV in their state in order to keep their license.
- Poor credit can mean higher premiums – Credit score is a big factor in determining what you pay. Therefore, if your credit score could use some work, you may save money insuring your Dodge Viper by taking the time to improve your credit score. People that have good credit tend to be better drivers and file fewer claims than those with worse credit.
Car insurance discounts help lower rates
Companies offering auto insurance don’t necessarily list every discount they offer in a way that’s easy to find, so we took the time to find some of the more common in addition to some of the lesser obvious credits available to you.
- Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
- Low Mileage – Maintaining low annual mileage may enable drivers to earn better prices on cars that stay parked.
- Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
- Switch and Save Discount – Some larger companies provide a discount for switching companies before your current coverage expires. Ten percent is about the average savings.
- Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you for Viper insurance with a few car insurance companies.
- No Claims – Drivers who stay claim-free can earn big discounts when compared with insureds who have frequent claims or accidents.
- Buy New and Save – Insuring a vehicle that is new can save you some money because newer models are generally safer.
Keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So even though you would think all the discounts add up to a free policy, companies don’t profit that way. But all discounts should definitely cut the cost of coverage.
A few popular companies and a partial list of their discounts are shown below.
- 21st Century offers discounts for early bird, student driver, driver training, good student, theft prevention, and defensive driver.
- State Farm includes discounts for good driver, defensive driving training, passive restraint, accident-free, Steer Clear safe driver discount, and anti-theft.
- AAA offers discounts including multi-policy, good student, good driver, multi-car, and education and occupation.
- Liberty Mutual offers premium reductions for hybrid vehicle, safety features, newly married, new graduate, and good student.
- Progressive has discounts for multi-vehicle, good student, continuous coverage, online quote discount, multi-policy, online signing, and homeowner.
Before buying, ask all companies you are considering which discounts you qualify for. All car insurance discounts might not be offered on policies in every state. To find car insurance companies that can offer you the previously mentioned discounts, click this link.
Don’t give up on cheaper premiums
We just covered a lot of techniques to reduce Dodge Viper insurance auto insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Drivers may discover the best auto insurance rates are with a company that doesn’t do a lot of advertising. These smaller insurers may only write in your state and offer lower premium rates compared to the large companies like GEICO and State Farm.
When shopping online for car insurance, it’s very important that you do not reduce coverage to reduce premium. Too many times, an insured dropped full coverage and discovered at claim time they didn’t have enough coverage. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.
