Cheap Quotes for Dodge Viper Insurance in San Francisco

Want to learn how to buy cheaper Dodge Viper insurance in San Francisco? Paying more affordable coverage rates for Dodge Viper insurance in San Francisco may be slightly frustrating for beginners to comparison shopping online. With so many insurance agents and companies competing online, it can quickly become a challenge to locate the lowest price in California.

Amazingly, the vast majority of drivers have stayed with the same insurance company for a minimum of four years, and nearly 40% of drivers have never compared auto insurance rates at all. Many drivers in the U.S. could save 46.5% a year just by shopping around, but they just don’t understand how easy it is to compare other rate quotes.

Smart consumers take time to quote other rates as often as possible due to the fact that insurance prices go up and down regularly. Despite the fact that you may have had the best deal on Dodge Viper insurance in San Francisco six months ago a different company probably has better premium rates today. Block out anything you think you know about auto insurance because we’re going to demonstrate the fastest and easiest way to lower your rates without sacrificing coverage.

Cheapest Dodge Viper insurance quotes in San Francisco, CA

Just remember that getting more free quotes helps locate the best offered rates.

The companies shown below provide price quotes in San Francisco, CA. If multiple providers are shown, we suggest you compare several of them to get the best price comparison.

Lower rates by qualifying for discounts

Car insurance companies don’t always publicize every discount available very clearly, so the following list contains a few of the more well known as well as the least known credits that you can use to lower your rates.

• Braking Control Discount – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
• Accident Free – Insureds with no claims or accidents get the best car insurance rates compared to insureds who have frequent claims or accidents.
• Onboard Data Collection – Insureds who allow companies to look at vehicle usage by using a telematics device like Allstate’s Drivewise may see discounts if they exhibit good driving behavior.
• Buy New and Save – Buying a new car instead of a used Viper can be considerably cheaper since newer models have better safety ratings.
• Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles with the same car insurance company can reduce the rates for all insured vehicles.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, that’s just not realistic.

The chart below visualizes the comparison of Dodge Viper annual premium costs with and without some available policy discounts. The rate quotes are based on a male driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, safe-driver, claim-free, and homeowner discounts applied.

Some companies that possibly offer these discounts include:

• State Farm
• Farmers Insurance
• Progressive
• GEICO
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

When quoting, ask every company the best way to save money. Some of the discounts discussed earlier may not be available in San Francisco. To see insurers who offer car insurance discounts in California, follow this link.

Insurance statistics for a Dodge Viper

The data table displayed below outlines different insurance rates for Dodge Viper models. Being aware of how car insurance prices are established can help guide drivers when making smart choices when comparing insurance quotes.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rates do not factor in San Francisco location which can modify auto insurance rates considerably.

Physical damage deductibles: Should you raise them?

When comparing insurance rates, the most common question is which comprehensive and collision deductibles to buy. The rates below illustrate how much more you’ll pay between low and high deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific location information which can influence coverage prices substantially.

Based on these figures, using a $250 deductible costs an average of $32 more each month or $384 each year averaged for all Viper models than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at least 8 months between claims, you would probably be better off if you opt for a higher deductible.

Price comparison of only insuring for liability

The chart below shows the comparison of Dodge Viper car insurance costs with full physical damage coverage and with liability coverage only. Data assumes no claims or driving citations, $250 deductibles, single status, and no policy discounts are applied.

Should you buy full coverage or liability only?

There is no clear-cut rule for excluding full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s pretend your Dodge Viper replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying your policy deductible. If you are currently paying more than $800 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some cases where buying only liability insurance is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Eight Things That Influence Your Insurance Prices

Lots of things are part of the calculation when premium rates are determined. A few of the factors are predictable such as your driving record, but other criteria are less obvious like your vehicle usage or your financial responsibility.

Traffic violations can be expensive – Careful drivers pay lower auto insurance prices as compared to careless drivers. Only having one citation may cause rates to rise forty percent or more. Drivers who have gotten severe violations such as reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.

The chart below demonstrates how traffic citations and at-fault accidents raise Dodge Viper car insurance rates for different age groups of insureds. Data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Bad credit will cost you – An insured’s credit score can be an important factor in calculating your premium rate. If your credit history can use some improvement, you could save money insuring your Dodge Viper by improving your credit score. Insureds that have high credit scores tend to be less risk to insure as compared to drivers with lower credit ratings.

Low mileage costs less – The more you drive your Dodge annually the higher the price you pay to insure it. A lot of insurance companies apply a rate based upon how much you drive. Vehicles that are left in the garage can get a lower rate than cars that get driven a lot. It’s a good idea to make sure your auto insurance declarations sheet correctly shows the correct usage for each vehicle. Incorrect rating for your Viper may be wasting your money.

More than one policy can earn a discount – The majority of insurers give a discount to customers that have more than one policy such as combining an auto and homeowners policy. This can amount to as much as ten percent or more If you currently are using one company, it’s still a good idea to compare other company rates to help guarantee you have the best rates.

Save money with alarms and GPS tracking – Selecting a car model that has a built-in theft deterrent system can save you some money. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms can help prevent car theft.

Discounts for married drivers – Walking down the aisle can actually save you money on your auto insurance bill. Having a spouse is viewed as being more responsible and it’s statistically proven that drivers who are married are more cautious.

Higher premiums for auto insurance policy lapses – Driving with no insurance is illegal and any future policy may cost more because you let your insurance coverage expire. And not only will your rates increase, getting caught without coverage can result in a license revocation or jail time. You may have to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department to get your license reinstated.

Drive a fast car and pay more – The performance level of the car you own makes a substantial difference in determining your rates. The lowest performance passenger models usually have the lowest premiums, but the final cost of insurance is determined by many other factors.

The next chart is based on a married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It compares Dodge Viper insurance premiums compared to other models of vehicles that have different performances.

Dodge Viper claim statistics – Auto insurance companies take into consideration historical loss data for every vehicle to help calculate a profitable premium price. Models that the data shows to have a trend towards higher claims will have higher rates for specific coverages. The table shown below demonstrates the insurance loss data used by companies for Dodge Viper vehicles.

For each policy coverage, the loss probability for all vehicles, regardless of manufacturer or model, is set at 100. Values under 100 are indicative of better than average losses, while percentage numbers above 100 point to more losses or an increased chance of a larger loss.