Cheapest Rate Quotes for Dodge Viper Insurance in San Antonio

Expensive Dodge Viper insurance in San Antonio can take a big chunk out of your funds and make it tough to pay other bills.

It’s hard to fathom, but the vast majority of consumers have purchased from the same company for at least the last four years, and 38% of drivers have never quoted insurance rates at all. San Antonio consumers could save roughly 70% a year just by comparing rates, but they don’t want to take the time to shop their coverage around.

Lots of car insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates to find the best rates possible on Dodge Viper insurance in San Antonio.

It is always a good idea to compare premium rates on a regular basis because insurance prices are variable and change quite frequently. Just because you had the best price on Dodge Viper insurance in San Antonio two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the only way to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have auto insurance, you will most likely be able to find the best rates using these methods. Locating the best rates in San Antonio is actually not that difficult if you follow our advice. Nevertheless, Texas drivers must know how big insurance companies determine premium rates and use it to find better rates.

Best companies for Dodge Viper insurance

The auto insurance companies shown below have been selected to offer comparison quotes in San Antonio, TX. If multiple companies are shown, we suggest you compare several of them in order to get a fair rate comparison.

Insurance data for a Dodge Viper

The premium information displayed next outlines a range of insurance rates for Dodge Viper models. Learning how insurance policy rates are determined can help drivers make decisions on the best policy coverages.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium costs do not factor in specific garaging location which can influence premium rates greatly.

Deductible analysis

One of the most common insurance questions is how high should your deductibles be. The data tables below help summarize the difference in cost between low and high coverage deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Prices do not factor in specific location information which can raise or lower insurance rates considerably.

Based on this data, using a $250 deductible could cost the average driver approximately $53 more each month or $636 for a full year than selecting the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 14 months between claim filings, you would save more money if you decide on a higher deductible.

How accidents and violations affect rates

The chart below illustrates how traffic citations and fender-benders can increase Dodge Viper auto insurance rates for different age groups of insureds. The premium estimates are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

Difference between liability only and full coverage rates

The chart below visualizes the comparison of Dodge Viper yearly insurance costs with full coverage and liability only. The price estimates are based on no claims or driving violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

When to stop paying for full coverage

There is no set guideline to delete comp and collision coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s assume your Dodge Viper replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after paying your deductible. If you are paying more than $500 annually for full coverage, then it might be time to buy liability only.

There are some scenarios where only buying liability is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

How do Insurers Determine Dodge Viper Insurance Prices?

Lots of factors are used when you get your auto insurance bill. Some are obvious such as your driving record, but others are more obscure such as your marital status or your financial responsibility. Part of the auto insurance buying process is learning some of the elements that are used to determine your policy premiums. When consumers understand what determines premiums, this enables informed choices that could help you find better auto insurance rates.

The factors shown below are most of the major factors utilized by car insurance companies to help set your premiums.

Impacts performance impacts auto insurance premiums – The make and model of the car you are insuring makes a huge difference in your auto insurance rates. The best insurance prices are usually for small economy passenger models, but the cost you end up paying is determined by many additional factors.

The following chart assumes a married male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It illustrates Dodge Viper rates compared to other vehicles that have different performances.

Gender and auto insurance rates – Statistics show that women are safer drivers than men. This data doesn’t prove that males are worse at driving than females. Females and males are responsible for accidents in similar percentages, but men have costlier accidents. Men also tend to get cited for more serious violations like DUI and reckless driving.

The illustration below shows the comparison of Dodge Viper yearly insurance costs for male and female drivers. The price estimates are based on no accidents, no driving violations, full physical damage coverage, $100 deductibles, single marital status, and no discounts are factored in.

Do you have a demanding occupation? – Do you have a high-stress occupation? Occupations like military generals, business owners, and medical professionals tend to pay higher rates than average in part from intense work-related stress and incredibly demanding work hours. Conversely, occupations such as scientists, engineers and performers get better rates.

Cheaper prices for prior coverage – Allowing your auto insurance policy to lapse is a quick way to pay more for auto insurance. And not only will your rates increase, the inability to provide proof of insurance could earn you a license revocation or jail time.

How credit rating affects auto insurance costs – Having a bad credit rating can be an important factor in calculating your auto insurance rates. If your credit rating can be improved, you could be paying less to insure your Dodge Viper by improving your rating. Insureds with very good credit scores tend to be less risk to insure as compared to drivers with worse credit.

Rates can drop if you have more than one policy – Most insurers afford lower prices to insureds that purchase more than one policy in the form of a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even though this discount sounds good, you still need to get quotes from other companies to guarantee you are still saving the most.

With age comes lower costs – Inexperience drivers are known to be easily distracted with other occupants in the car so auto insurance rates are higher. Parents adding a young driver to your auto insurance policy can be quite pricey. Older, more experienced drivers are more responsible, cost insurance companies less in claims, and get fewer tickets.

The following data is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

Annual miles is a factor – The more miles you rack up on your Dodge in a year the higher your rates will be. A lot of companies charge rates partially by how you use the vehicle. Cars and trucks left parked in the garage get more affordable rates than those that get driven frequently. Verify your auto insurance declarations sheet shows annual mileage, because it can save money. Improper usage on your Viper can result in significantly higher rates.

Dodge Viper claim statistics – Insurance companies take into consideration historical loss data for every vehicle to help set a rate to offset losses. Models that have higher prevalence or dollar amount of losses will have increased rates. The table below demonstrates the loss history for Dodge Viper vehicles.

For each policy coverage type, the loss probability for all vehicles, without regard to make or model, is set at 100. Values under 100 suggest a positive loss record, while values that are above 100 point to more claims or a tendency for losses to be larger than average.

Car insurance policy discounts you can’t miss

Properly insuring your vehicles can get expensive, but there may be some discounts that can drop the cost substantially. Some discounts will apply when you quote, but a few need to be requested specifically prior to receiving the credit.

• Service Members Pay Less – Having an actively deployed family member can result in better car insurance rates.
• Government Employee Discount – Having worked for a branch of the government can earn a discount up to 10% with some car insurance companies.
• Save over 55 – If you qualify as a senior citizen, you may receive lower premium rates.
• Buy New and Save – Buying car insurance coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
• Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of 25 to 30%.
• Seat Belts Save – Requiring all passengers to wear their seat belts can save a little off PIP or medical payments premium.
• Accident Waiver – Not necessarily a discount, but companies like GEICO, Allstate and Liberty Mutual will let one accident slide before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
• Good Students Pay Less – Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.
• Discounts for Cautious Drivers – Insureds without accidents can pay as much as 50% less than drivers with accidents.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the whole policy. Most only cut specific coverage prices like collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, that’s just not realistic.

The illustration below illustrates the difference between Dodge Viper insurance prices with and without discounts. The prices are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.

The best car insurance companies and the discounts they provide are detailed below.

• State Farm may include discounts for Steer Clear safe driver discount, anti-theft, multiple autos, safe vehicle, and passive restraint.
• Progressive has savings for homeowner, online signing, multi-policy, good student, continuous coverage, multi-vehicle, and online quote discount.
• Travelers offers discounts including early quote, new car, payment discounts, home ownership, and multi-car.
• American Family may offer discounts for good driver, TimeAway discount, Steer into Savings, mySafetyValet, air bags, and multi-vehicle.
• Liberty Mutual has discounts for teen driver discount, newly retired, preferred payment discount, multi-policy, safety features, and multi-car.

When quoting, ask every insurance company how many discounts you can get. Some credits may not apply in San Antonio. To find insurance companies who offer online Dodge Viper insurance quotes in San Antonio, click here to view.

Shop online but buy locally

Many drivers would prefer to sit down with an agent and that is just fine! An additional benefit of getting online price quotes is that you can find lower prices but also keep your business local. Buying insurance from local agents is important especially in San Antonio.

For easy comparison, once you complete this quick form, the quote information gets sent to participating agents in San Antonio who will give you quotes for your insurance coverage. It’s much easier because you don’t need to search for an agent due to the fact that quote results will go to you directly. You can get cheaper insurance rates and a licensed agent to work with. If you want to get a rate quote for a specific company, you just need to find their quoting web page to submit a rate quote request.

When looking for a good insurance agency, you need to know there are two different agency structures and how they can quote your rates. Agents in San Antonio can be described as either exclusive or independent (non-exclusive).

Independent Insurance Agents

Agents of this type are not restricted to one company and that allows them to write policies with lots of companies depending on which coverage is best. If they find a cheaper price, your agent can switch companies and you don’t have to find a new agent. When comparing rates, you absolutely need to include a few independent agents to get the most accurate price comparison.

Shown below is a small list of independent insurance agencies in San Antonio that may be able to give you free price quotes.

More insurance agents

Exclusive Insurance Agents

Agents that choose to be exclusive generally can only insure with one company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive agents are usually well trained on their company’s products and that allows them to sell at a higher price point.

The following are San Antonio exclusive insurance agencies willing to provide price quotes.

More insurance agents

Deciding on an insurance agency should depend on more than just the premium amount. Here are some questions you might want to ask.

• Which family members are covered?
• Do they specialize in personal lines auto insurance in San Antonio?
• Is the agent and/or agency licensed to do business in Texas?
• Are there any discounts for paying up front?
• Are they able to influence company decisions when a claim is filed?
• Do they assist clients in filing claims?
• Is the coverage adequate for your vehicle?

Auto insurance savings summarized

Some companies do not offer price quotes online and usually these regional insurance providers work with local independent agencies. Cheap Dodge Viper insurance in San Antonio can be sourced on the web in addition to many San Antonio insurance agents, so you should compare both to have the best selection.

We just showed you some good ideas how to reduce Dodge Viper insurance prices online in San Antonio. The key thing to remember is the more providers you compare, the better likelihood of getting affordable San Antonio car insurance quotes. You may even discover the best prices are with the least-expected company. These smaller insurers may often insure only within specific states and give better rates compared to the large companies like State Farm and Allstate.

Additional information is located at these links:

• Collision Insurance Coverage (Nationwide)
• How Much is Auto Insurance for Teenage Females in San Antonio? (FAQ)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• Should I Buy a New or Used Car? (Allstate)