Cheap Quotes for Dodge Viper Insurance in San Diego

Did you come to the realization that you have an expensive insurance policy? Say no more because many consumers are feeling buyer’s remorse and feel like there’s no way out.

A recent insurance study discovered that nearly 70% of consumers kept buying from the same company for a minimum of four years, and practically 40% of insurance customers have never compared rates from other carriers. With the average premium in the U.S. being $1,847, drivers could save themselves roughly $860 a year by just comparing rate quotes, but they don’t know how much money they would save if they changed companies. You have multiple insurers to insure vehicles with, and even though it’s nice to have a choice, too many choices makes it more difficult to find the lowest rates for Dodge Viper insurance in San Diego.

It is always a good idea to get comparison quotes every six months because insurance rates are variable and change quite frequently. Even if you got the best premium rates on Dodge Viper insurance in San Diego at your last renewal you can probably find a better price now. Forget all the misinformation about insurance because I’m going to teach you the things you must know in order to properly buy coverages and cut your premium.

Finding the cheapest car insurance coverage in San Diego can be easy if you know a few tricks. If you have insurance now or just want cheaper coverage, follow these tips to get lower rates while maintaining coverages. Vehicle owners just need to understand the most efficient way to buy car insurance from many different companies.

Low-cost companies for Dodge Viper insurance

The car insurance companies shown below are ready to provide free quotes in San Diego, CA. If the list has multiple companies, we recommend you visit several of them in order to get a fair rate comparison.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in San Diego location which can affect auto insurance rates noticeably.

An analysis of deductible level

The chart below demonstrates how deductibles and can influence Dodge Viper insurance rates for each age group. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are applied.

How careless driving impacts auto insurance rates

The example below shows how traffic citations and accident claims can raise Dodge Viper insurance costs for each different age group. The rates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied.

Policy deductible comparison

When comparing auto insurance rates, the most common question is which comprehensive and collision deductibles to buy. The data tables below illustrate how much more you’ll pay when you buy lower versus higher coverage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Information does not factor in your specific San Diego location which can revise coverage rates considerably.

Using the data above, we can ascertain that using a $100 deductible costs roughly $88 more each month or $1056 each year than selecting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 10 months between claim filings, you would probably save some money by going with a higher deductible. Here’s how you can perform this determination yourself.

Score discounts on San Diego auto insurance

Companies that sell car insurance do not list every policy discount very clearly, so here is a list some of the more common and also the more inconspicuous discounts that may be available. If you aren’t receiving every discount you deserve, you are just wasting money.

• Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts up until you turn 25.
• Paperwork-free – Certain larger companies will discount your bill up to fifty bucks for buying your policy on your computer.
• Full Payment Discount – By making one initial payment instead of monthly or quarterly installments you could save 5% or more.
• Driver’s Ed – Teen drivers should take driver’s ed class if it’s offered in school.
• Discount for Multiple Policies – When you combine your auto and home insurance and insure them both with the same insurance company you will save at least 10 to 15 percent or more.
• Discount for Home Ownership – Simply owning a home can get you a discount because owning a home is proof of financial responsibility.

You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A few popular companies and some of the discounts are detailed below.

• GEICO may include discounts for anti-lock brakes, emergency military deployment, membership and employees, daytime running lights, anti-theft, defensive driver, and multi-policy.
• SAFECO discounts include anti-lock brakes, teen safety rewards, homeowner, anti-theft, and accident prevention training.
• State Farm policyholders can earn discounts including multiple autos, student away at school, good driver, driver’s education, multiple policy, safe vehicle, and defensive driving training.
• MetLife offers premium reductions for defensive driver, good student, multi-policy, claim-free, and accident-free.
• 21st Century may have discounts that include automatic seat belts, homeowners, early bird, teen driver, theft prevention, student driver, and good student.
• Progressive offers discounts for online quote discount, homeowner, multi-vehicle, multi-policy, online signing, and good student.

Before buying, ask each insurance company to give you their best rates. Discounts may not be available in San Diego. To see a list of providers who offer cheap Dodge Viper insurance quotes in California, click here to view.

Compare rates but still have a local neighborhood San Diego car insurance agent

Many people just prefer to get advice from a local agent and that can be a smart move Good agents can make sure you are properly covered and will help you if you have claims. A good thing about getting online price quotes is the fact that you can find cheap rate quotes and still buy from a local agent.

To find an agent, once you fill out this short form, your insurance data is transmitted to agents in your area who will gladly provide quotes for your insurance coverage. You don’t have to drive around due to the fact that quote results will go immediately to you. If you want to get a rate quote from a specific insurance company, feel free to navigate to their website and fill out the quote form the provide.

Choosing the best provider shouldn’t rely on just the price. Here are some questions to ask:

• How is replacement cost determined on your vehicle?
• How many years have they been established?
• Do they make recommendations based only on price?
• If your car is in the repair shop, do you have coverage for a rental car?
• How are they compensated?

When finding a reliable insurance agent, it helps to know the two different types of agencies and how they differ in how they quote coverages. Agencies in San Diego are either independent or exclusive depending on the company they work for. Either can write policy coverage, but it is a good idea to know why they differ since it could factor into your agent selection.

Exclusive Insurance Agencies

These agents generally can only insure with one company such as State Farm or Allstate. Exclusive agencies are unable to provide prices from multiple companies so it’s a take it or leave it situation. They receive extensive training on their company’s products and that allows them to sell at a higher price point.

Shown below are San Diego exclusive insurance agencies that are able to give rate quotes.

View more San Diego agents

Independent Auto Insurance Agents

These type of agents are not limited to a single company so as a result can place your coverage with lots of companies and find you the best rates. If they find a cheaper price, the agent simply finds a different carrier and you won’t have to switch agencies. If you need cheaper auto insurance rates, we recommend you get insurance quotes from several independent insurance agents to have the best price comparison.

Below is a short list of independent insurance agencies in San Diego who can help you get price quote information.

View more San Diego agents

Detailed coverages of your auto insurance policy

Understanding the coverages of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by auto insurance companies.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, driving through your garage door, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible on your Viper in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Dodge Viper.

Due to the fact that many California drivers have only the minimum liability required by law (15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like hospital visits, surgery and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto liability

Liability coverage protects you from injuries or damage you cause to other’s property or people. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 15/30/5 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and $5,000 of coverage for damaged property.

Liability can pay for claims such as structural damage, medical expenses, repair bills for other people’s vehicles, legal defense fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible. California requires drivers to carry at least 15/30/5 but you should consider buying more liability than the minimum.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, a broken windshield, damage from a tornado or hurricane, hitting a deer and fire damage. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Lower rates by being persistent

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.

Discount Dodge Viper insurance in San Diego can be sourced online and from local insurance agents, so get free San Diego auto insurance quotes from both of them to get a complete price analysis. There are still a few companies who don’t offer online rate quotes and most of the time these regional carriers only sell coverage through independent agencies.

More tips and info about auto insurance can be found by following these links:

• Side Impact Crash Tests (iihs.org)
• Who Has the Cheapest Auto Insurance Quotes for Teenagers in San Diego? (FAQ)
• What Auto Insurance is Cheapest for Postal Workers in San Diego? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Equinox in San Diego? (FAQ)
• Who Has Cheap Auto Insurance for a Toyota Corolla in San Diego? (FAQ)
• Who Has Affordable San Diego Auto Insurance Quotes for 17 Year Olds? (FAQ)
• Who Has Affordable San Diego Car Insurance Quotes for Retired Military? (FAQ)
• Things to Know Before you Cancel Insurance (Allstate)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Electronic Stability Control FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)