If you are new to online car insurance, by this point your are probably overwhelmed thanks to the huge assortment of companies all promising to save you money.
Steps to buying lower priced Dodge Viper insurance in Scottsdale
If saving money is your primary concern, then the best way to find low-cost Dodge Viper insurance in Scottsdale is to start doing a yearly price comparison from providers who can sell car insurance in Arizona.
First, spend some time learning about auto insurance and the changes you can make to drop your rates. Many factors that drive up the price such as getting speeding tickets and a substandard credit score can be remedied by paying attention to minor details. Continue reading for the details to help find cheaper rates and get discounts that may be overlooked.
Second, request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while independent agents can provide price quotes from many different companies.
Third, compare the quotes to your existing policy and see if you can save money. If you find better rates and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, give proper notification to your current agent or company to cancel your current coverage. Submit payment along with a signed and completed policy application to the new company. As soon as you can, store the proof of insurance certificate in your vehicle’s glove compartment or console.
One key aspect when comparing rates is to make sure you enter the same deductibles and limits on each price quote and and to compare as many companies as possible. Doing this ensures an apples-to-apples comparison and a complete price analysis.
Statistics show that the vast majority of car insurance customers have been with the same company for at least four years, and almost half have never taken the time to shop around. Arizona drivers could save approximately $730 a year by just shopping around, but they just don’t want to shop their coverage around.
You need to compare prices once or twice a year due to the fact that insurance prices change frequently. Despite the fact that you may have had the lowest quotes on Dodge Viper insurance in Scottsdale a year ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn the tricks you need to know to find the best coverage while lowering your premiums.
If you currently have a car insurance policy, you stand a good chance to be able to get lower rates using this strategy. The goal of this article is to familiarize you with the best methods to compare rates and also save some money in the process But Arizona car owners must understand the methods companies use to determine how much to charge because rates fluctuate considerably.
All major car insurance companies make it easy to get price estimates on their websites. Comparing prices online for Dodge Viper insurance in Scottsdale is pretty painless as you simply enter the amount of coverage you want as requested by the quote form. Upon sending the form, their quoting system sends out for your credit score and driving record and returns a price quote.
Getting online rates for Dodge Viper insurance in Scottsdale makes it simple to compare prices and it’s necessary to perform this step if you want to find the cheapest price on car insurance.
To find out how much you can save on car insurance, compare rate quotes from the providers shown below. To compare your current rates, we recommend that you enter the coverage information as close as possible to your current policy. Doing this guarantees you’re receiving rate comparison quotes using the same coverage and limits.
The companies shown below can provide price comparisons in Arizona. If you want to find the best cheap auto insurance in Arizona, we recommend you visit several of them to get the best price comparison.
Choosing Viper insurance is an important decision
Despite the potentially high cost of Dodge Viper insurance, insuring your vehicle may not be optional for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means state laws require specific limits of liability protection if you want to drive legally. 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 your vehicle has a loan, it’s guaranteed your bank will make it mandatory that you buy full coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may insure your Dodge at a much higher premium rate and require you to reimburse them the higher premium.
Third, insurance safeguards both your car and your assets. It also can pay for all forms of medical expenses incurred in an accident. Liability coverage will also pay for a defense attorney if anyone sues you for causing an accident. If you have damage to your Dodge as the result of the weather or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of insuring your Viper outweigh the cost, specifically if you ever have a liability claim. The average driver in Arizona overpays as much as $865 each year so compare rates once a year at a minimum to help ensure money is not being wasted.
Premium rates and analysis
The price information shown below highlights estimates of policy rates for Dodge Viper models. Learning more about how car insurance premiums are figured helps drivers make decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Viper SRT/10 2-Dr Coupe||$244||$624||$390||$24||$116||$1,398||$117|
|Viper SRT/10 2-Dr Roadster||$244||$624||$390||$24||$116||$1,398||$117|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle location which can raise or lower auto insurance rates noticeably.
One of the more difficult decisions when buying insurance is how high should the physical damage deductibles be. The rates shown below can help show the price difference between high and low policy deductibles. The first rate quote example uses a $100 deductible and the second rate table uses a $500 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Viper SRT/10 2-Dr Coupe||$458||$1048||$300||$18||$90||$1,939||$162|
|Viper SRT/10 2-Dr Roadster||$458||$1048||$300||$18||$90||$1,939||$162|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Viper SRT/10 2-Dr Coupe||$334||$708||$300||$18||$90||$1,450||$121|
|Viper SRT/10 2-Dr Roadster||$334||$708||$300||$18||$90||$1,450||$121|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in vehicle location which can lower or raise premium rates significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $41 more each month or $492 annually than quoting 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 have at least 10 months between claims, you would probably come out ahead if you choose the higher deductible.
The information below highlights how deductible choice and can increase or decrease Dodge Viper yearly insurance costs for different age categories. The premiums are based on a married female driver, comp and collision included, and no other discounts are factored in.
Full coverage rates compared to liability-only
The information below shows the difference between Dodge Viper auto insurance rates when comparing full coverage to state minimum liability only. The data assumes no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are applied.
Should you be buying full coverage?
There isn’t a steadfast formula for excluding comp and collision coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s say your Dodge Viper claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after you pay the deductible. If it’s costing you more than $500 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are some circumstances where dropping full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full 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 not drop full coverage.
Get cheaper Dodge Viper insurance in Scottsdale with discounts
Car insurance can cost a lot, but there could be available discounts to reduce the price significantly. Certain reductions will be credited when you quote, but a few must be asked about before you will receive the discount.
- Multi-policy Discount – If you insure your home and vehicles with one company you will save over 10 percent off each policy depending on the company.
- Save with a New Car – Buying insurance coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy auto and life insurance together.
- More Vehicles More Savings – Purchasing coverage when you have more than one vehicle on the same insurance policy may reduce the rate for each vehicle.
- E-sign – A few insurance companies will give you a small discount just for signing your application over the internet.
- Clubs and Organizations – Being a member of a professional or civic organization is a simple method to lower premiums when shopping for insurance.
- ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- One Accident Forgiven – This isn’t a discount exactly, but companies like Progressive and Allstate permit an accident without the usual rate increase if you are claim-free prior to being involved in the accident.
One thing to note about discounts is that some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, nobody gets a free ride. But any discount will help lower your insurance premiums.
The example below visualizes the comparison of Dodge Viper yearly insurance costs with and without policy discounts. The rates are based on a female driver, no violations or claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, claim-free, multi-car, and homeowner discounts applied.
Popular insurance companies and their possible discounts are shown below.
- State Farm has discounts for good student, anti-theft, driver’s education, good driver, and multiple autos.
- Progressive offers premium reductions for online quote discount, continuous coverage, good student, multi-vehicle, and online signing.
- Travelers may offer discounts for driver training, IntelliDrive, multi-car, early quote, multi-policy, and student away at school.
- American Family discounts include good student, accident-free, TimeAway discount, defensive driver, and Steer into Savings.
- Liberty Mutual policyholders can earn discounts including safety features, new vehicle discount, multi-car, new graduate, new move discount, and exclusive group savings.
If you are trying to find the cheapest Dodge Viper rate quotes, ask every prospective company how you can save money. Some discounts may not apply to policyholders in every state. To choose insurance companies that offer multiple discounts in Arizona, follow this link.
Auto insurance is available from local insurance agents
Some people prefer to get professional advice from a licensed agent and that is just fine! The best thing about comparing insurance prices online is the fact that you can find better rates and still buy from a local agent.
Upon completion of this form (opens in new window), your information is immediately sent to local insurance agents that give free quotes to get your business. You won’t even need to contact an agency since price quotes are sent to you. You can find the lowest rates AND an agent nearby. In the event you want to get a comparison quote from one company in particular, you can always search and find their rate quote page and give them your coverage information.
Selecting a insurer requires you to look at more than just the premium amount. Any agent in Scottsdale should be forthright in answering these questions:
- Do they assist clients in filing claims?
- Where would glass claims be handled in Scottsdale?
- What is the agency’s Better Business Bureau rating?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will they take your side in the event of a claim?
If you need to find a reliable insurance agency, there are two different agency structures and how they operate. Auto insurance agents are considered either independent agents or exclusive agents.
Exclusive Insurance Agents
Exclusive agents write business for a single company and examples are State Farm, Allstate, or Farmers Insurance. These agents are unable to compare other company’s rates so you might not find the best rates. Exclusive insurance agents are well schooled on their company’s products which aids in selling service over price. Some people will only buy insurance from these agents partially due to the brand legacy rather than low price.
Listed below are exclusive insurance agents in Scottsdale that are able to give price quote information.
- Brad Dunlap – State Farm® Insurance Agent
8436 E Shea Blvd c103 – Scottsdale, AZ 85260 – (480) 661-0801 – View Map
- Craig Smith – Farmers Insurance – Scottsdale
9332 E Raintree Dr #140 – Scottsdale, AZ 85260 – (480) 657-7906 – View Map
- John Collins – State Farm Insurance Agent
8140 E Cactus Rd Ste 700 – Scottsdale, AZ 85260 – (602) 466-3100 – View Map
Independent insurance agents are not employed by one company and that allows them to write policies with an assortment of companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can just switch to a different company which is easy for the insured.
When comparing rates, you will definitely want to include rate quotes from independent agents to ensure the widest selection of prices. A lot of them also have access to additional companies that you may not be familiar with who may have lower rates.
Listed below are independent insurance agents in Scottsdale that are able to give price quotes.
- J B Martin Insurance Agency
4835 E Cholla St – Scottsdale, AZ 85254 – (480) 423-7444 – View Map
- Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889 – View Map
- Pinnacle Ins Agency Inc.
8700 E Vista Bonita Dr – Scottsdale, AZ 85255 – (480) 513-3131 – View Map
Car insurance can be complex
Always remember that when buying adequate coverage for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Every insured’s situation is different.
For instance, these questions might point out whether your personal situation may require specific advice.
- Does insurance cover tools stolen from my truck?
- Do I need rental car coverage?
- Does my Dodge Viper qualify for pleasure use?
- How much liability coverage do I need in Arizona?
- Does having multiple vehicles earn me a discount?
- Are rock-chip repairs free?
- What is the difference between comprehensive and collision coverage?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.
Auto insurance specifics
Knowing the specifics of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as nursing services, X-ray expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Viper.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (Arizona limits are 15/30/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Liability auto insurance
Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 15/30/10 which stand for a limit of $15,000 per injured person, $30,000 for the entire accident, and $10,000 of coverage for damaged property.
Liability coverage protects against things like funeral expenses, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but you should consider buying more coverage.
The chart below demonstrates why low liability limits may not be adequate.
Comprehensive auto insurance
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like hitting a bird, vandalism and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision coverage protection
Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things like sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible on your Viper to bring the cost down.
Persistence pays off
Throughout this article, we presented many ways to save on Dodge Viper insurance in Scottsdale. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Scottsdale auto insurance quotes. You may even be surprised to find that the lowest priced car insurance comes from an unexpected company.
Lower-priced Dodge Viper insurance in Scottsdale can be purchased from both online companies as well as from insurance agents, so get free Scottsdale auto insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not have the ability to get a quote online and usually these regional carriers provide coverage only through independent insurance agents.
As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an insured cut physical damage coverage only to discover later they didn’t have enough coverage. The proper strategy is to get the best coverage possible for the lowest price but still have enough coverage for asset protection.
Steps to buying affordable Dodge Viper insurance in Scottsdale
If you want to find the absolute lowest rates, then the best way to find low-cost prices for Dodge Viper insurance in Scottsdale is to compare prices annually from companies in Arizona.
First, take a few minutes and learn about the different coverages in a policy and the measures you can control to prevent expensive coverage. Many policy risk factors that are responsible for high rates like at-fault accidents and a less-than-favorable credit score can be rectified by making lifestyle changes or driving safer.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like GEICO or State Farm, while independent agents can provide rate quotes from many different companies. Compare rates now
Third, compare the new quotes to your existing rates to determine if switching companies saves money. If you find a better price and decide to switch, make sure there is no lapse in coverage.
Fourth, provide adequate notice to your current company to cancel your existing policy. Submit a down payment and signed policy application to your new company or agent. Once coverage is bound, place the new certificate verifying proof of insurance along with the vehicle’s registration papers.
One thing to point out is to try to compare identical coverage information on each quote request and and to get price estimates from as many different insurance providers as possible. This enables an apples-to-apples comparison and and a good selection of different prices.
- What to do at the Scene of an Accident (Insurance Information Institute)
- What Insurance is Cheapest for State Employees in Scottsdale? (FAQ)
- What Auto Insurance is Cheapest for First-time Drivers in Scottsdale? (FAQ)
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- Who Has Cheap Auto Insurance Quotes for Business Use in Scottsdale? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Hybrid Vehicles in Scottsdale? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Property Damage Coverage (Liberty Mutual)
- Your Car has been Stolen: Now What? (Allstate)
- Drunk Driving Statistics (Insurance Information Institute)