Best Dodge Viper Insurance in Plano

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It's astonishing, but a large majority of consumers kept their policy with the same company for over three years, and just short of a majority have never even compared rates from other companies. Drivers in Plano could cut their rates by up to 70% a year by just comparing quotes, but they don't want to take the time to go online and compare rates.

Insurance rates Dodge Viper in PlanoIt takes a little time, but the best way to get discount car insurance rates in Plano is to compare prices at least once a year from insurers who can sell car insurance in Texas. Price quotes can be compared by following these steps.

  1. Try to learn about individual coverages and the measures you can control to keep rates in check. Many factors that result in higher prices like speeding tickets, careless driving and an imperfect credit history can be controlled by being financially responsible and driving safely.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while agents who are independent can provide prices for a wide range of companies.
  3. Compare the new rates to your existing policy and determine if there is any savings. If you find a better price and switch companies, ensure there is no coverage lapse between policies.
  4. Provide notification to your current agent or company to cancel the current policy. Submit payment and a completed application to your new company or agent. Once the application is submitted, keep the new proof of insurance paperwork somewhere easily accessible.

The most important part of shopping around is to compare the same level of coverage on each quote request and and to get prices from as many companies as feasibly possible. This enables an apples-to-apples comparison and a better comparison of the market.

If you are insured now or just want a better rate, you can use this information to reduce premiums without sacrificing coverage. Our goal in writing this article let you in on the best methods to compare rates and also save some money in the process Smart buyers just have to learn the best way to shop on the web.

The method we recommend to compare policy rates for Dodge Viper insurance in Plano is to understand almost all companies actually pay money for the chance to give free rates quotes. The only thing you need to do is spend a couple of minutes providing details such as whether you are single or married, how old drivers are, how much school you completed, and your credit rating estimate. The data gets sent immediately to many of the top insurers and you get price estimates immediately.

To check car insurance prices now, click here and enter your zip code.

The companies in the list below offer price quotes in Texas. If your goal is to find the best cheap auto insurance in Plano, it's highly recommended you visit as many as you can in order to find the most affordable rates.

Three reasons to insure your Dodge Viper

Despite the high cost of buying insurance for a Dodge Viper in Plano, maintaining insurance may be required for several reasons.

First, just about all states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your Viper, almost every bank will make it a condition of the loan that you carry insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Dodge for a lot more money and force you to pay a much higher amount than you were paying before.

Third, insurance safeguards not only your car but also your financial assets. It will also provide coverage for hospital and medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If your Dodge gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of having insurance definitely exceed the price paid, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is overpaying over $750 every year so it's recommended you shop around every year to be sure current rates are still competitive.

Dodge Viper insurance rate analysis

The price information displayed below covers estimates of insurance costs for Dodge Viper models. Learning as much as possible about how premiums are determined is important for drivers to make decisions on the best policy to buy.

Dodge Viper Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $364 $926 $430 $26 $128 $1,874 $156
Viper SRT/10 2-Dr Roadster $364 $926 $430 $26 $128 $1,874 $156
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Table data does not factor in Plano location which can increase or decrease price quotes significantly.

Choosing deductibles

When buying insurance, a common question is where should you set your physical damage deductibles. The rates below may help you to understand the rate differences between high and low comp and collision deductibles. The first set of rates uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Dodge Viper insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $582 $1330 $382 $22 $114 $2,455 $205
Viper SRT/10 2-Dr Roadster $582 $1330 $382 $22 $114 $2,455 $205
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Dodge Viper insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $424 $900 $382 $22 $114 $1,842 $154
Viper SRT/10 2-Dr Roadster $424 $900 $382 $22 $114 $1,842 $154
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific Plano garaging location which can decrease or increase coverage prices considerably.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $51 more each month or $612 a year than choosing the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 8 months between claim filings, you would come out ahead if you elect the higher deductible.

The information below shows how choosing a deductible and can impact Dodge Viper insurance premiums for each age group. The premiums assume a single female driver, full physical damage coverage, and no discounts are factored in.

Plano auto insurance discounts

Some providers do not list all their discounts in a way that's easy to find, so the list below gives a summary of some of the more common and the harder-to-find savings tricks you should be using when you buy Plano auto insurance online. If you don't get every credit you qualify for, you could be paying more than you need to.Cheaper auto insurance with discounts

  • Smart Student Discounts - A discount for being a good student could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
  • Passenger Safety Discount - Factory air bags or motorized seat belts can get savings of 25 to 30%.
  • Payment Method - If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
  • Telematics Discount - Drivers who elect to allow companies to track when and where they use their vehicle through the use of a telematics system such as Allstate's Drivewise and State Farm's In-Drive system might get better premium rates if they are good drivers.
  • Discounts for New Vehicles - Buying a new car model can save up to 30% compared to insuring an older model.
  • Braking Control Discount - Cars and trucks that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Drive Safe and Save - Safe drivers can pay as much as 50% less than drivers with accidents.
  • Fewer Miles Equal More Savings - Maintaining low annual mileage can earn slightly better rates than normal.

Just know that most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you're out of luck. Any qualifying discounts will lower the premium cost.

The information below illustrates the comparison of Dodge Viper insurance rates with and without discounts applied to the rates. The premium estimates are based on a male driver, no violations or accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, claim-free, marriage, and multi-policy discounts applied.

Popular auto insurance companies and a selection of discounts can be found below.

  • Farmers Insurance offers discounts for teen driver, mature driver, distant student, early shopping, alternative fuel, and homeowner.
  • Esurance may include discounts for good driver, homeowner, defensive driver, anti-theft, emergency road assistance, and online quote.
  • State Farm policyholders can earn discounts including good driver, passive restraint, student away at school, Steer Clear safe driver discount, and driver's education.
  • GEICO discounts include five-year accident-free, federal employee, emergency military deployment, anti-lock brakes, multi-policy, and membership and employees.
  • Allstate has discounts for auto/life discount, good student, EZ pay plan discount, anti-theft, new car, and premier plus.

Before you buy a policy, ask every insurance company which discounts they offer. A few discounts may not be available in Plano.