Save on Dodge Viper Insurance in Chandler

We don’t have to tell you that insurance companies don’t want you shop around. Consumers who shop around for better prices are very likely to switch car insurance companies because they have a good chance of finding coverage at a more affordable price. A recent study showed that drivers who compared price quotes annually saved approximately $3,400 over four years compared to drivers who never shopped around.

If finding the best price on insurance in Chandler is your ultimate goal, then learning about how to choose a company and compare auto insurance can make the process more efficient.

If you want to save the most money, the best way to get low-cost auto insurance rates is to compare prices annually from different companies that sell auto insurance in Chandler.

First, try to learn a little about the coverage provided by your policy and the modifications you can make to keep rates low. Many factors that increase rates like speeding and a less-than-favorable credit rating can be controlled by being financially responsible and driving safely. Continue reading for more details to help prevent costly coverage and earn larger discounts.

Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and State Farm, while independent agencies can give you price quotes from multiple companies.

Third, compare the new quotes to your current policy to determine if you can save on Viper insurance in Chandler. If you can save some money and make a switch, verify that coverage does not lapse between policies.

An important part of this process is that you’ll want to compare the same deductibles and limits on each quote request and to quote with as many auto insurance providers as possible. Doing this provides the most accurate price comparison and the most accurate and complete price analysis.

If you have a current car insurance policy or just want cheaper rates, use these money-saving tips to save money while maximizing coverage. Buying the cheapest car insurance in Chandler is really quite easy. You just need to understand how to shop for car insurance on the web.

Cutting your Chandler auto insurance rates is a fairly straight forward process. Consumers just need to spend a few minutes on the computer to get quotes provided by online insurance companies.

It’s so fast and easy to compare rate quotes online that it makes it obsolete to drive around to local Chandler insurance agencies. Shopping for auto insurance online eliminates the middleman unless you’re the type of person who wants the professional advice of a licensed agent. Although, it is possible get prices online but buy the policy through an agent.

The companies in the list below offer free rate quotes in Arizona. If multiple companies are listed, it’s a good idea that you visit two to three different companies to get a more complete price comparison.

Rate information and statistics

The data table displayed below showcases a range of policy rates for Dodge Viper models. Learning as much as possible about how prices are figured is important for you to make smart policy decisions.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price estimates do not factor in garaging location in Chandler which can alter auto insurance rates greatly.

Choosing deductibles

One common question asked by Chandler drivers is how high should your deductibles be. The figures shown below approximate the differences in premium rates when you buy lower versus higher physical damage coverage deductibles. The first pricing table uses a $250 deductible and the second set of rates uses a $1,000 deductible.

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 safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in zip code location which can increase or decrease premiums significantly.

Based on these figures, using a $250 deductible costs an average of $42 more each month or $504 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 18 months between claim filings, you would save money if you choose the higher deductible. Below is how this calculation is made.

One important caveat is that higher deductibles means you will have to pay more when you have a claim. That will force you to have some savings in order to pay more for the deductible.

Drive safe and save

The example below shows how traffic citations and at-fault claims can increase Dodge Viper insurance costs for each different age group. The information is based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

Insurance protects more than just your car

Despite the high cost, insurance is required by state law in Arizona and it also provides benefits you may not be aware of.

• Most states have mandatory insurance requirements which means state laws require a specific minimum amount of liability insurance coverage if you drive a vehicle. 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.
• If you took out a loan on your Dodge, it’s guaranteed your bank will make it mandatory that you buy insurance to guarantee payment of the loan. If you default on your policy, the lender may have to buy a policy to insure your Dodge at a more expensive rate and require you to pay much more than you were paying before.
• Insurance safeguards both your Dodge Viper and your assets. Insurance will pay for all forms of medical expenses incurred in an accident. Liability coverage also pays for attorney fees and expenses if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance more than cancel out the cost, particularly for liability claims. Unknowingly, the average driver is wasting up to $865 each year so it’s recommended you shop around at least once a year to be sure current rates are still competitive.

Chandler Insurance Costs are Influenced by These Factors

Lots of things are considered when you get a price on insurance. Some are pretty understandable such as traffic violations, but other criteria are more transparent like where you live or your vehicle rating. The best way to find cheaper insurance is to take a look at some of the factors that are used to determine your insurance rates. When you know what positively or negatively impacts premium levels, this enables you to make decisions that could result in better insurance rates.

The itemized list below are a partial list of the pieces insurance companies consider when setting rates.

• Do you really need to file those insurance claims? – If you file a lot of claims you can look forward to either policy cancellation or increased premiums. Insurance companies in Arizona award better rates to people that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for more catastrophic claims.
• What’s your car’s safety rating? – Vehicles with good safety scores can get you lower premiums. Highly rated vehicles help reduce the chance of injuries in an accident and lower injury rates translates directly to fewer claims which can mean better rates for you. If the Dodge Viper has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Lower coverage deductibles cost more – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. A few examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and windstorm damage. Comprehensive and collision coverage deductibles tell how much you are willing to pay if a covered claim is submitted. The more you have to pay, the less your insurance will be.
• Proper usage rating affects costs – The more you drive annually the higher your rate. A lot of companies charge rates based on how the vehicle is used. Autos that sit idle most of the time can get a lower rate compared to those used for work or business. Having an incorrect usage rating on your Viper can cost quite a bit. It’s a smart idea to ensure your vehicle rating states the correct usage.
• Never let your insurance expire – Having a gap between insurance policy dates will be a sure-fire way to increase your rates. Not only will rates go up, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license.
• Do you have enough liability coverage? – Your insurance policy’s liability coverage kicks in if you are responsible for physical damage or personal injury to other. Liability insurance provides legal defense coverage starting from day one. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Stress out and pay more – Occupations like fire fighters, architects, and stock brokers generally have higher rates than the rest of us due to stressful work requirements and long work hours. On the other hand, jobs like scientists, students and retirees get better rates.
• Prices impacted by your city – Living in areas with lower population has definite advantages when shopping for auto insurance. Urban drivers have to deal with traffic congestion and longer commute times. Fewer people corresponds to lower accident rates.

• Dodge Viper claim statistics – Car insurance companies analyze claim trends for every vehicle when they file their rates in each state. Models that the statistics show to have a trend towards higher claims will cost more for coverage. The data below shows the compiled insurance loss statistics for Dodge Viper vehicles.

  For each type of coverage, the claim amount for all vehicles, without regard to make or model, is represented as 100. Percentage numbers below 100 mean the vehicle has better than average losses, while numbers that are greater than 100 indicate higher probability of having a loss or a tendency for claims to be larger.

  
  

  Dodge Viper Insurance Loss Statistics

  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
  Statistics from IIHS.org for 2013-2015 Model Years

Save money with these discounts on Dodge Viper insurance in Chandler

Insurance is neither fun to buy or cheap, but you might be missing out on some discounts that you may not know about. Some of these discounts will be visible when you get a quote, but lesser-known reductions have to be specifically requested before being credited.

• Accident Forgiveness Coverage – Not really a discount, but some companies like State Farm and Allstate allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
• Telematics Discount – Drivers that enable data collection to look at vehicle usage by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they have good driving habits.
• Early Switch Discount – Select insurance companies give a discount for renewing your policy prior to your current Viper insurance policy expiration. This can save 10% or more.
• Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.
• Defensive Driver – Passing a course teaching safe driver skills could earn you a small percentage discount and make you a better driver.

A quick disclaimer, most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride.

The illustration below shows the comparison of Dodge Viper insurance premiums with and without policy discounts. The prices are based on a female driver, no claims or violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, safe-driver, and marriage discounts applied.

A few popular companies and a summarized list of policyholder discounts are outlined below.

• GEICO has discounts for driver training, five-year accident-free, emergency military deployment, good student, and multi-policy.
• USAA may have discounts that include defensive driver, safe driver, multi-policy, driver training, military installation, new vehicle, and family discount.
• Progressive offers premium reductions for homeowner, multi-vehicle, good student, online quote discount, and continuous coverage.
• American Family includes discounts for accident-free, good student, air bags, bundled insurance, mySafetyValet, and good driver.
• Esurance may offer discounts for safety device, claim free, multi-policy, renters, and online shopper.
• Farmers Insurance has savings for alternative fuel, early shopping, pay in full, mature driver, homeowner, good student, and multi-car.
• State Farm discounts include good student, passive restraint, good driver, anti-theft, and student away at school.

When comparing rates, check with each insurance company to give you their best rates. Some discounts might not be offered in your area.

Local Chandler insurance agencies and auto insurance

Some people would rather visit with an insurance agent and that is a personal choice. Insurance agents can help you build your policy and give you someone to call. The best thing about comparing rates online is the fact that drivers can get cheap rate quotes but still work with a licensed agent.

Once you complete this short form, your coverage information is instantly submitted to local insurance agents who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents since rate quotes are delivered instantly to you. If you wish to quote rates for a specific company, don’t hesitate to go to their quote page and complete a quote there.

Finding the right provider requires more thought than just the quoted price. You should also get answers to these questions.

• Are all drivers listed on the coverage quote?
• Are there any discounts that you might be missing?
• Does the company allow you to choose your own collision repair facility?
• Can they help ensure a fair claim settlement?
• How often do they review policy coverages?

When finding a reputable insurance agent or broker, it’s helpful to know the types of agencies and how they differ in how they quote coverages. Auto insurance policy providers are classified as either independent agents or exclusive agents. Both types can handle auto insurance, but it’s important to know the differences since it can impact your agent selection.

Exclusive Agents

These type of agents can only write with one company such as State Farm, Allstate, or Farmers Insurance. They are unable to place coverage with different providers so keep that in mind. Exclusive agencies are trained well in insurance sales which helps them sell on service rather than price.

The following is a short list of exclusive agents in Chandler who can help you get price quotes.

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Independent Auto Insurance Agencies

These type of agents are not employed by any specific company and that is an advantage because they can write policies amongst many companies and potentially find a lower price. If they find a lower price, your agent can just switch to a different company and you stay with the same agent. When comparing rates, we highly recommend that you contact multiple independent agents to have the most options to choose from.

The following are Chandler independent agencies willing to provide price quotes.

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In conclusion

We’ve covered a lot of ways to compare Dodge Viper insurance rates in Chandler. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the best rates are with some of the smallest insurance companies. These smaller insurers often have lower auto insurance rates on specific markets compared to the large companies like Progressive or GEICO.

Cheaper Dodge Viper insurance in Chandler can be purchased online as well as from independent agents in Chandler, and you should be comparing both to have the best selection. There are still a few companies who may not provide online price quotes and these regional carriers prefer to sell through independent insurance agencies.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Much more information about car insurance in Arizona is available below:

• Auto Insurance Basics (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance Rates for Hybrid Vehicles in Chandler? (FAQ)
• Who Has the Cheapest Chandler Auto Insurance Quotes for a Nissan Rogue? (FAQ)
• Who Has Affordable Car Insurance Quotes for Nurses in Chandler? (FAQ)
• How Much are Chandler Car Insurance Rates for Postal Workers? (FAQ)
• Side Impact Crash Tests (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• Speed and Speed Limit FAQ (iihs.org)
• Older Drivers FAQ (iihs.org)