Cheapest Dodge Viper Insurance in Philadelphia

Are you irritated from scraping nickels together to pay car insurance each month? You are no different than many other Pennsylvania drivers.

Smart shoppers know that insurance companies don’t want their policyholders to compare prices. People who shop around for the cheapest rate are very likely to buy a new policy because there is a good probability of finding good coverage at a lower price. A recent car insurance study discovered that people who shopped around every year saved over $3,450 over four years compared to other drivers who never compared rates.

If finding budget-friendly rates on auto insurance is your goal, then having some insight into the best way to shop and compare cheaper coverage can make it easier to shop your coverage around.

With people having so many companies and agents to choose from, it is hard for the average consumer to find the best car insurance company.

It’s important to get comparison quotes yearly because car insurance prices tend to go up over time. Even if you think you had the best quotes on Dodge Viper insurance in Philadelphia a couple years back you can probably find a better rate now. There is too much inaccurate information about Viper insurance out there, but in this article, you’re going to get some proven techniques to reduce your car insurance bill.

Cheap companies for Dodge Viper insurance

The companies in the list below offer quotes in Pennsylvania. If multiple companies are listed, we recommend you click on several of them to get the best price comparison.

Detailed insurance information

The information shown next outlines different prices for Dodge Viper models. Having a good understanding how auto insurance prices are determined can help customers make smart choices when purchasing an auto insurance policy.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates noticeably.

Analysis of deductible levels

The hardest decision when buying coverage is how high should the physical damage deductibles be. The comparison tables below sum up the rate differences between low and high insurance deductibles. The first rate table uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in vehicle location which can raise or lower prices considerably.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $44 more each month or $528 each year across all Dodge Viper models than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 9 months between claim filings, you would probably be better off if you opt for a higher deductible.

Violations and accidents raise rates

The diagram below demonstrates how speeding tickets and accident claims impact Dodge Viper insurance prices for different age categories. The rate quotes are based on a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Gender differences in car insurance premiums

The diagram below shows the difference between Dodge Viper car insurance rates for male and female drivers. The premiums assume no violations or accidents, full physical damage coverage, $1,000 deductibles, single status, and no discounts are factored in.

Five discounts for affordable auto insurance quotes

Companies don’t always advertise their entire list of discounts in a way that’s easy to find, so we researched some of the more common and also the more inconspicuous credits available to you.

• Data Collection Discounts – Policyholders that allow data collection to study driving manner through the use of a telematics system such as Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.
• Payment Discounts – By paying your policy upfront rather than paying monthly you may have a lower total premium amount.
• Switch and Save Discount – Some insurance companies provide a discount for signing up before your current expiration date. You can save around 10% with this discount.
• Cautious Driver Discounts – Drivers who avoid accidents may save up to 50% more as compared to drivers with claims.

As a footnote on discounts, many deductions do not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. If you do the math and it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

The information below illustrates the difference between Dodge Viper insurance premiums with and without discounts applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, claim-free, homeowner, and multi-car discounts applied.

A list of auto insurance companies and their offered discounts are included below.

• Travelers policyholders can earn discounts including hybrid/electric vehicle, good student, student away at school, save driver, new car, and home ownership.
• 21st Century may have discounts that include teen driver, theft prevention, automatic seat belts, good student, and early bird.
• State Farm has savings for passive restraint, good driver, student away at school, anti-theft, and driver’s education.
• GEICO includes discounts for driver training, federal employee, five-year accident-free, daytime running lights, military active duty, air bags, and anti-lock brakes.
• SAFECO has discounts for safe driver, anti-lock brakes, teen safe driver, drive less, accident prevention training, homeowner, and anti-theft.
• AAA may include discounts for AAA membership discount, multi-car, pay-in-full, good student, anti-theft, and good driver.

When quoting, ask each insurance company the best way to save money. Some of the earlier mentioned discounts may not apply to policyholders in Philadelphia. If you would like to choose from a list of providers that offer the discounts shown above in Philadelphia, follow this link.

Insurance agent or online?

Certain consumers still prefer to get professional advice from a licensed agent and that is a personal choice. One of the benefits of price shopping on the web is you may find cheap rate quotes and still choose a local agent.

After filling out this quick form, your information is immediately sent to participating agents in Philadelphia that provide free Philadelphia auto insurance quotes for your insurance coverage. There is no reason to do any legwork due to the fact that quote results will go to your email. You’ll get the best rates without having to waste a lot of time. If you need to compare rates from one company in particular, feel free to search and find their rate quote page and fill out their quote form.

Choosing an provider should depend on more than just the bottom line cost. Get answers to these questions too.

• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Is the agent properly licensed in Pennsylvania?
• Are there any discounts that you might be missing?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• How long have they worked with personal auto insurance coverage?
• What companies can they write with?
• Are they actively involved in the community?
• Is there a local claims center in Philadelphia?

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by car insurance companies.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses like chiropractic care, ambulance fees, hospital visits and dental work. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance will cover damage that occurs to people or other property 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 15/30/5 which stand for a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property.

Liability can pay for things such as emergency aid, medical services, attorney fees and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford. Pennsylvania state law requires minimum liability limits of 15/30/5 but you should think about purchasing more coverage.

The chart below shows why buying low liability limits may not be adequate coverage.

Collision coverage

This coverage pays for damage to your Viper caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, hitting a mailbox, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible on your Viper to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, hitting a bird, rock chips in glass, fire damage and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Dodge Viper.

Since many Pennsylvania drivers carry very low liability coverage limits (which is 15/30/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Find cheap insurance prices by comparing often

Affordable Dodge Viper insurance in Philadelphia is available from both online companies and with local Philadelphia insurance agents, so you need to shop Philadelphia auto insurance with both so you have a total pricing picture. There are still a few companies who may not provide the ability to get quotes online and usually these small, regional companies only sell coverage through independent agents.

When you buy Philadelphia auto insurance online, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where someone dropped collision coverage only to regret that it was a big mistake. The goal is to purchase plenty of coverage at the best possible price.

More information can be read below:

• Senior Drivers (Insurance Information Institute)
• Who Has Affordable Philadelphia Car Insurance Rates for Single Moms? (FAQ)
• What Insurance is Cheapest for a Company Car in Philadelphia? (FAQ)
• How Much is Philadelphia Auto Insurance for Drivers Requiring a SR22? (FAQ)
• Who Has Affordable Philadelphia Auto Insurance Quotes for Uber Drivers? (FAQ)
• Distracted Driving Statistics (Insurance Information Institute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)