Auto Insurance Quotes for a Dodge Viper in Arlington

Insurance quote for Dodge Viper in ArlingtonIt’s hard to fathom, but over 70% of Texas drivers have stayed with the same insurance company for more than four years, and approximately 40% of consumers have never compared rates with other companies. Most drivers in the U.S. could save themselves about 46.5% a year just by shopping around, but they don’t invest the time required to compare other rate quotes.

It takes a little time, but the best way to find discount Dodge Viper insurance in Arlington is to do a yearly price comparison from different companies in Texas.

Step 1: Try to learn a little about car insurance and the changes you can make to drop your rates. Many rating factors that result in higher prices like speeding tickets, accidents and an imperfect credit score can be remedied by making small lifestyle or driving habit changes.

Step 2: Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO and State Farm, while independent agencies can quote rates from many different companies.

Step 3: Compare the new quotes to the price on your current policy to see if you can save by switching companies. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

The most important part of shopping around is to use the same liability limits and deductibles on each quote and and to analyze as many companies as possible. This ensures a fair price comparison and maximum price selection.

If you’re already insured or just want to reduce your rates, you can use these techniques to get lower rates while maintaining coverages. Finding and buying affordable policy in Arlington is not as confusing as people think. Consumers only need an understanding of the tricks to shop for insurance online.

Rate information and statistics

The information displayed below outlines estimates of rate quotes for Dodge Viper models. Knowing how insurance rates are calculated can help drivers make smart choices when selecting a policy.


Dodge Viper Insurance Rates in Arlington, TX
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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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in your specific Arlington location which can revise prices greatly.

Comparison of policy deductibles

When shopping for auto insurance, a common question is which deductible level should you buy. The figures shown below can help illustrate the rate fluctuation between low and high coverage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.


Dodge Viper insurance 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
Get Your Own Custom Quote Go

Dodge Viper insurance 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
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rates do not factor in specific garaging location which can alter coverage prices considerably.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $51 more each month or $612 a year than buying the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 8 months between claim filings, you would probably be better off if you decide on a higher deductible.

The chart below demonstrates how deductibles and can influence Dodge Viper insurance prices for each different age category. Data assumes a single female driver, comp and collision included, and no policy discounts are applied.

Lower Your Arlington Insurance Costs

Consumers need to have an understanding of some of the elements that help calculate the rates you pay for insurance. If you have a feel for what influences your rates, this allows you to make good choices that may reward you with lower insurance prices.

Listed below are some of the items used by companies to determine prices.

Low stress vocation equals lower prices – Jobs such as real estate brokers, social workers, and stock brokers generally pay the highest average rates due to high stress and lots of time spent at work. On the other hand, jobs such as farmers, athletes and performers get better rates.

Reduce prices by driving cars with good safety ratings – Safe vehicles tend to be cheaper to insure. Vehicles built for safety reduce the chance of injuries and reduced instances of injuries translates directly to fewer claims passed on to you as lower rates. If the Dodge Viper is rated at a minimum four stars on Safercar.gov you may qualify for a discount.

Having a spouse can lower prices – Walking down the aisle actually saves money compared to being single. Having a spouse is viewed as being more mature and it’s proven that drivers who are married are more cautious.

Teenage drivers pay more – Older insureds have been proven to be more responsible, statistically cause fewer accidents, and receive fewer citations. Teenage drivers are statistically proven to be more careless when driving with friends so insurance rates are higher.

The following data assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Small claims can cost you – Insurance companies in Texas generally give cheaper rates to drivers who file claims infrequently. If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Insurance coverage is intended for larger claims.

Insurance losses for a Dodge Viper – Auto insurance companies analyze past claim statistics to help determine the rate you pay. Models that historically have a trend towards higher claim severity or frequency will have higher rates for specific coverages. The table shown below demonstrates the insurance loss data for Dodge Viper vehicles.

For each coverage type, the claim probability for all vehicles, without regard to make or model, is set at 100. Values that are below 100 represent a good loss history, while percentage numbers above 100 indicate more frequent losses or tendency to have larger claims.


Insurance Loss Ratings for Dodge Viper Vehicles
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: Insurance Institute for Highway Safety for 2013-2015 Model Years

Persistence is the key to cheaper rates

Cost effective Dodge Viper insurance is definitely available from both online companies in addition to many Arlington insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide internet price quotes and many times these regional carriers only sell through independent insurance agents.

People switch companies for a variety of reasons including poor customer service, high prices, policy non-renewal or not issuing a premium refund. Regardless of your reason for switching companies, finding a new auto insurance company is not as difficult as it may seem.

As you quote Arlington car insurance, never buy poor coverage just to save money. There have been many cases where someone sacrificed full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage for the lowest cost and still be able to protect your assets.

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