Dodge Viper Insurance Rate Quotes in El Paso

To save the most money, the best way to find lower priced Dodge Viper insurance is to do an annual price comparison from insurance carriers in El Paso. Rates can be compared by following these guidelines.

1. It will benefit you to learn about how companies set rates and the measures you can take to keep rates low. Many risk factors that are responsible for high rates like traffic tickets, fender benders, and a bad credit rating can be controlled by making minor changes to your lifestyle. This article gives ideas to get cheaper rates and earn larger discounts.
2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can provide price quotes for a wide range of companies.
3. Compare the price quotes to your current policy and see if you can save money. If you find a better price and make a switch, ensure coverage does not lapse between policies.
4. Tell your current agent or company to cancel your existing policy. Submit a completed application and payment to your new carrier. Once received, put the proof of insurance paperwork above your visor, in the console, or in the glove compartment.

One key aspect when comparing rates is that you’ll want to compare the same level of coverage on every price quote and and to analyze as many different insurance providers as possible. Doing this guarantees a fair rate comparison and the most accurate and complete price analysis.

Everyone knows that insurance companies don’t want you to compare rates. People who shop around at least once a year are inclined to switch insurance companies because they stand a good chance of finding coverage at a cheaper rate. A survey found that drivers who shopped around every year saved an average of $860 a year compared to those who never shopped around for better prices.

If finding the best price on car insurance in El Paso is why you’re reading this, then having some insight into how to find companies and compare coverage rates can help make the process easier and more efficient.

Where can I get affordable El Paso Dodge Viper insurance?

To find cheap prices, there are a couple of ways to get quotes from different companies. The best way to do a complete rate comparison is to use the internet to compare rates.

Comparing free rate quotes online is easy and it, makes it obsolete to physically go to insurance agents’ offices. Quoting Dodge Viper insurance online eliminates this option unless you want the trained guidance that only a licensed agent can provide. You can, however, comparison shop your insurance online and get advice from an agent in your area.

When comparison shopping, comparing more quotes increases the chance that you will find more affordable rates.

The providers in the list below provide quotes in Texas. If the list has multiple companies, we suggest you get prices from several of them to get a more complete price comparison.

Why you need insurance for your Dodge Viper

Despite the high insurance cost for a Dodge Viper in El Paso, maintaining insurance is required in Texas but also provides important benefits.

• Just about all states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Viper has a loan, more than likely the lender will make it mandatory that you have physical damage coverage to guarantee payment of the loan. If you let the policy lapse, the lender may insure your Dodge at a significantly higher premium and force you to pay the higher price.
• Car insurance protects both your car and your assets. Insurance will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your car insurance policy will pay to restore your vehicle to like-new condition.

The benefits of buying car insurance more than cancel out the cost, especially when you need to use it. Despite what companies tell you, the average driver overpays more than $865 each year so it’s recommended you shop around at every renewal to ensure rates are inline.

Auto insurance statistics for a Dodge Viper

The information displayed below showcases a range of insurance policy prices for Dodge Viper models. Learning more about how auto insurance policy rates are figured is important for you to make smart choices when comparing insurance quotes.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Prices do not factor in specific El Paso garaging location which can affect rates greatly.

Rate comparison for different deductibles

One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The tables below outline the rate differences of buying low and high coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in specific zip code location which can modify premiums noticeably.

Based on the above data, using a $250 deductible costs approximately $28 more each month or $336 annually than quoting the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 9 months between claim filings, you would most likely save money if you elect the higher deductible.

One big caveat is that a higher deductible level means you will have to pay more out-of-pocket when you file a claim. You need to have enough money stashed away in the event you have to pay more for the deductible.

The chart below shows how choosing a deductible and can impact Dodge Viper insurance prices for each different age group. The prices are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Impact of violations and accidents on rates in El Paso

The diagram below shows how speeding tickets and at-fault fender-benders can influence Dodge Viper auto insurance costs for each different age category. The rate quotes are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

Full coverage rates vs. liability-only in El Paso

The diagram below visualizes the comparison of Dodge Viper auto insurance costs with full coverage compared to only the Texas minimum liability coverage. The premiums assume no violations or claims, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Should you be buying full coverage?

There is no definitive rule for dropping comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Dodge Viper settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after the deductible is paid. If it’s costing you more than $700 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where eliminating full coverage is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Discounts mean cheaper rates for Dodge Viper insurance in El Paso

Companies offering auto insurance don’t list every discount they offer in a way that’s easy to find, so the list below contains a few of the more well known and the more hidden credits available to you.

• Own a Home – Being a homeowner may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
• Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% depending on your company.
• Lower Rates for Military – Having a deployed family member could trigger a small discount.
• Passive Restraints – Factory options such as air bags could see savings of more than 20%.
• Early Renewal Discounts – A few companies give discounts for renewing your policy early. This discount can save up to 10%.
• No Claim Discounts – Drivers who don’t have accidents can earn big discounts as opposed to accident-prone drivers.
• Driver’s Ed – Teen drivers should successfully complete driver’s ed class if offered at their school.
• Telematics Data – Insureds who allow their insurance company to spy on driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they exhibit good driving behavior.
• Driver Safety – Participating in a class that teaches defensive driving techniques is a good idea and can lower rates and make you a better driver.
• Theft Deterrent – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more on Viper insurance in El Paso.

As a disclaimer on discounts, most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though you would think you could get a free insurance policy, it’s just not the way it works.

The chart below shows the difference between Dodge Viper auto insurance costs with and without discounts applied. The premium estimates are based on a female driver, no claims or violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, multi-policy, homeowner, and marriage discounts applied.

To see insurance companies with discount rates in El Paso, click this link.

Get rate quotes but still have a local El Paso insurance agency

Some people just want to have an agent’s advice and that is a personal choice. One of the best bonuses of comparing rate quotes online is that drivers can save money and get cheaper prices but still work with a licensed agent.

To help locate an agent, after submitting this simple form, your insurance data is submitted to insurance agents in El Paso that provide free El Paso auto insurance quotes for your car insurance coverage. It makes it easy because there is no need to drive around as quotes are delivered immediately to your email address. You can find better rates without a big time investment. If you need to compare rates from a specific company, just search and find their rate quote page to submit a rate quote request.

Finding the right company requires more thought than just the quoted price. Get answers to these questions too.

• Do they offer claims assistance after hours?
• Will their companies depreciate repairs to your car based on the mileage?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• What is their Better Business Bureau rating?
• Is insurance their full-time profession?

If you are searching for a local agent, you should know the different types of agencies that you can select. Car insurance agents may be either exclusive or independent.

Exclusive Insurance Agents

Agents that choose to be exclusive can only quote rates from one company like Allstate, State Farm and Farm Bureau. They are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agencies are well trained on what they offer which helps them sell insurance even at higher premiums.

Shown below is a short list of exclusive agents in El Paso that are able to give price quote information.

More El Paso agents

Independent Agents

Agents in the independent channel are not employed by one company so they can quote policies with an assortment of companies and get the cheapest rates. If prices rise, they can switch companies in-house which requires no work on your part.

When shopping rates, we highly recommend that you check rates from independent agents to get the most accurate price comparison.

The following are El Paso independent agencies that are able to give rate quotes.

More El Paso agents

You may need specialized car insurance coverage

Always remember that when buying your policy for your personal vehicles, there really isn’t a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed.
Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

• Does coverage extend to a rental car in a foreign country?
• Is my Dodge Viper covered if I use it for business?
• What discounts do I qualify for?
• Does my liability insurance cover pulling a trailer or camper?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I need replacement cost coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Which auto insurance company is best in Texas?

Picking the right insurance company is hard considering how many companies are available to choose from in Texas. The ranking information listed below could help you choose which coverage providers to look at comparing rates with.

Top 10 El Paso Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

In conclusion

More affordable auto insurance in El Paso can be bought from both online companies and from local insurance agents, so get free El Paso auto insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies may not provide rates over the internet and these smaller companies sell through local independent agencies.

We covered many tips how you can compare Dodge Viper insurance car insurance rates in El Paso. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even be surprised to find that the lowest car insurance rates come from a lesser-known regional company. They may only write in your state and offer lower premium rates than their larger competitors like Progressive and GEICO.

More detailed auto insurance information is located by following these links:

• Property Damage Coverage (Liberty Mutual)
• State Laws for Cellphones and Texting (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
• Car Insurance: When not to Skimp (BankRate.com)