Save Money on Dodge Viper Insurance in Fresno

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Discount Dodge Viper insuranceThe easiest way to get discount car insurance rates in Fresno is to do a yearly price comparison from companies that insure vehicles in California.

First, take a few minutes and learn about policy coverages and the steps you can take to lower rates. Many factors that result in higher rates like your driving record and a negative credit rating can be remedied by paying attention to minor details. Later in this article we will cover ideas to get cheaper coverage and find possible discounts that are available.

Second, compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or State Farm, while independent agencies can quote rates for a wide range of insurance providers.

Third, compare the quotes to your existing rates to see if cheaper Viper coverage is available in Fresno. If you find better rates and change companies, ensure there is no coverage lapse between policies.

One thing to remember is to try to compare the same amount of coverage on each quote and to quote with as many companies as you can. This helps ensure a level playing field and the most accurate and complete price analysis.

Astonishing but true, almost 70% of insureds renewed their policy with the same company for at least the last four years, and nearly 40% of drivers have never compared car insurance rates at all. California insurance shoppers could save almost 35% every year just by shopping around, but they won't spend time to shop their coverage around.

The most recommended method to compare insurance rates from multiple companies takes advantage of the fact auto insurance companies will pay a fee to quote your coverage. The only thing you need to do is spend a couple of minutes providing details such as if you have a valid license, how your vehicles are used, driver details, and coverage limits. Those rating factors is automatically sent to multiple car insurance providers and you receive quotes instantly.

To compare rates for your Dodge Viper now, click here and complete the quick form.

The companies in the list below can provide price quotes in California. To find cheaper auto insurance in Fresno, we recommend you visit as many as you can to get the best price comparison.

Data for Dodge Viper insurance

The rate information displayed below outlines different insurance prices for Dodge Viper models. Learning more about how prices are determined is important to be able to make smart choices when selecting a policy.

Dodge Viper Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $592 $1488 $534 $32 $160 $2,806 $234
Viper SRT/10 2-Dr Roadster $592 $1488 $534 $32 $160 $2,806 $234
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in specific location which can lower or raise prices substantially.

Physical damage deductibles: Should you raise them?

When shopping for auto insurance, a common question is at what level do you set your deductibles. The comparison tables below may aid in understanding the rate fluctuation between high and low policy deductibles. The first data table uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.

Dodge Viper insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $674 $1544 $442 $26 $132 $2,843 $237
Viper SRT/10 2-Dr Roadster $674 $1544 $442 $26 $132 $2,843 $237
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Dodge Viper insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $492 $1042 $442 $26 $132 $2,134 $178
Viper SRT/10 2-Dr Roadster $492 $1042 $442 $26 $132 $2,134 $178
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in Fresno location which can increase or decrease premium rates considerably.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $59 more each month or $708 every year averaged for all Viper models than quoting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have more than 7 months between claims, you would come out ahead by going with a higher deductible.

Gender-based auto insurance rates in Fresno

The information below visualizes the comparison of Dodge Viper insurance costs for male and female drivers. The premium estimates are based on no claims or violations, comp and collision included, $500 deductibles, drivers are not married, and no discounts are factored in.

Do you need full coverage?

The chart below shows the comparison of Dodge Viper insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums are based on a clean driving record, no claims, $100 deductibles, drivers are single, and no discounts are applied.

Are you wasting money paying for full coverage?

There is no exact formula for eliminating physical damage coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let's pretend your Dodge Viper settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If you are currently paying more than $300 a year to have full coverage, then you might want to consider buying only liability coverage.

There are a few cases where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Informed Consumers Save Money

When buying auto insurance it's important to understand the factors that help determine your premiums. When you understand what influences your rates, this enables informed choices that may result in big savings. Multiple criteria are part of the equation when quoting car insurance. Most are fairly basic such as your driving record, but other factors are less apparent such as your marital status or how financially stable you are.

Listed below are some of the things used by your company to calculate rates.

Lower rates by increasing deductibles - The deductibles you choose define the amount you are required to spend out-of-pocket if a covered claim is submitted. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of covered claims would be rear-ending another vehicle, hail damage, and damage from wind. The more damage repair cost the insured is willing to pay, the better rate you will receive.

Little extras can really add up - Insurance policies have a lot of additional extra coverages that can waste your money if you aren't careful. Insurance for things like replacement cost coverage, accident forgiveness, and membership fees could be just wasting money. They may seem good when discussing your needs, but now you might not need them so remove them and pocket the money.

Better premiums for being claim-free - Auto insurance companies in California give the lowest premiums to drivers who do not file claims often. If you file a lot of claims you can look forward to higher premiums or even policy non-renewal. Your insurance policy is designed for claims that pose a financial burden.

Credit rating impacts rates - Having a bad credit rating factor in calculating your premium rate. If your credit score can use some improvement, you could potentially save money when insuring your Dodge Viper by improving your credit score. Insureds that have high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit scores.

Marriage is a factor - Getting married may save some money on your auto insurance bill. Having a significant other is viewed as being more mature than a single person and insurance companies reward insureds because drivers who are married file infrequent claims.

Insurance loss data for Dodge Viper vehicles - Car insurance companies use historical loss data as a tool for profitable underwriting. Vehicles that are shown to have higher prevalence or dollar amount of losses will have increased rates. The table below shows the historical loss data for Dodge Viper vehicles.

For each insurance policy coverage type, the statistical loss for all vehicles, regardless of make or model, is equal to 100. Values under 100 suggest a better than average loss history, while numbers above 100 indicate more frequent losses or statistically larger losses.

Car Insurance Loss Data for Dodge Viper Models
Specific Dodge Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Dodge Viper 2dr 147
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Why you need vehicle insurance in California

Even though Fresno Viper insurance rates can get expensive, insuring your vehicle serves several important purposes.

  • Almost all states have compulsory liability insurance requirements which means state laws require a minimum amount of liability insurance coverage if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your vehicle has a lienholder, almost all lenders will make it a condition of the loan that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may buy a policy for your Dodge at a much higher premium rate and force you to pay the higher price.
  • Auto insurance preserves both your assets and your Dodge. It will also provide coverage for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you have damage to your Dodge as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your Viper greatly outweigh the cost, especially with large liability claims. An average driver in America is wasting up to $869 every year so we recommend shopping around at every policy renewal to save money.

How to find a good California auto insurance company

Buying coverage from the best car insurance company can be rather challenging considering how many choices you have in Fresno. The ranking data in the next section could help you pick which car insurance companies you want to consider purchasing from.

Top 10 Fresno Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Top 10 Fresno Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive