Affordable Insurance for a Dodge Viper in San Jose

Shockingly, over 70% of consumers have purchased from the same company for over three years, and roughly 40% of drivers have never shopped around. Many consumers in San Jose could save up to $470 every year just by comparing rates, but they just don’t understand how much they could save if they just switched companies.

If saving the most money is your goal, then the best way to save on auto insurance rates in San Jose is to compare prices once a year from different companies who sell auto insurance in California.

1. Gain an understanding of how companies price auto insurance and the changes you can make to prevent expensive coverage. Many rating criteria that increase rates like accidents, traffic tickets, and an imperfect credit rating can be improved by being financially responsible and driving safely. Read the full article for instructions to help prevent high rates and find additional discounts you may qualify for.
2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can provide rate quotes for a wide range of companies.
3. Compare the quotes to your existing rates and see if you can save money. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.

A valuable tip to remember is to make sure you’re comparing similar deductibles and liability limits on each quote and and to compare as many carriers as you can. Doing this provides a level playing field and a thorough selection of prices.

Buying affordable insurance in San Jose can be easy if you know a few tricks. If you have insurance now, you should be able to find better prices using these techniques. Consumers just need to learn the best way to get comparison quotes from many different companies.

Affordable Dodge Viper insurance in San Jose

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that many consumers don’t even know exist. A few discounts will be applied when you complete an application, but once in a while a discount must be specifically requested before you will receive the discount.

• Membership in Organizations – Being a member of certain professional organizations can get you a small discount on your policy.
• Early Renewal Discounts – Some insurance companies provide a discount for switching companies early. This discount can save up to 10%.
• Multiple Cars – Buying coverage for primary and secondary vehicles with the same company may reduce the rate for each vehicle.
• Theft Deterrent – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a San Jose car insurance quote.
• Driver’s Education for Students – Cut your cost by having your teen driver participate in a local driver’s education class as it will make them better drivers and lower rates.
• Savings for New Vehicles – Buying a new car model is cheaper due to better safety requirements for new vehicles.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Even though it appears all the discounts add up to a free policy, it doesn’t quite work that way.

The example below illustrates the comparison of Dodge Viper auto insurance rates with and without some available policy discounts. The data is based on a male driver, a clean driving record, no claims, 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 claim-free, safe-driver, marriage, multi-car, multi-policy, and homeowner discounts applied.

Larger insurance companies and the discounts they provide are detailed below.

• State Farm may include discounts for good student, Steer Clear safe driver discount, student away at school, good driver, accident-free, multiple policy, and multiple autos.
• GEICO discounts include multi-policy, multi-vehicle, seat belt use, good student, and air bags.
• SAFECO offers discounts including teen safety rewards, anti-lock brakes, homeowner, drive less, and accident prevention training.
• Farmers Insurance offers premium reductions for good student, multi-car, teen driver, switch companies, bundle discounts, and homeowner.
• AAA may have discounts that include multi-car, multi-policy, good driver, education and occupation, pay-in-full, and good student.
• USAA offers discounts for safe driver, new vehicle, driver training, annual mileage, loyalty savings, vehicle storage, and good student.

If you are trying to find low cost San Jose car insurance quotes, ask every insurance company which discounts you qualify for. Some credits may not be offered in San Jose.

The best way we recommend to get rate comparisons for Dodge Viper insurance in San Jose is to understand almost all companies participate in a system to give free rates quotes. The only thing you need to do is provide a small amount of information including daily mileage, your occupation, if the car is leased, and an estimate of your credit level. The data is then sent to many of the top insurers and they return cost estimate immediately.

To find the cheapest Dodge Viper insurance rates, click here and enter your coverage details.

The providers in the list below offer price comparisons in San Jose, CA. If several companies are displayed, it’s a good idea that you visit several of them in order to get a fair rate comparison.

Auto insurance analysis for a Dodge Viper

The rate information displayed below covers different insurance rates for Dodge Viper models. Having a better idea how insurance premiums are established can benefit drivers when making decisions on the best policy coverages.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price estimates do not factor in zip code location which can change coverage rates greatly.

Policy deductibles

When comparing auto insurance rates, the most common question is which deductibles should you choose. The following tables determine the differences in price between low and high physical damage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Above prices assume 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. Premium costs do not factor in San Jose location which can lower or raise coverage prices substantially.

We can derive from the above data that using a $250 deductible will cost you about $61 more each month or $732 for a full year averaged for all Viper models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 12 months between claim filings, you would probably save some money if you choose a higher deductible.

The example below illustrates how your choice of deductibles and can change Dodge Viper insurance costs for different categories of driver ages. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Dodge Viper liability-only versus full coverage

The chart below illustrates the difference between Dodge Viper car insurance rates with full physical damage coverage and with liability coverage only. The information is based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no definitive formula that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s pretend your Dodge Viper replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $4,000 after the deductible is paid. If premium cost is more than $400 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few cases where eliminating full coverage is not a good plan. If you haven’t paid off your loan, you have to keep full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.

Local San Jose insurance agencies

A small number of people just prefer to go talk to an agent. Insurance agents can answer important questions and help file insurance claims. A nice benefit of getting free rate quotes online is that drivers can save money and get cheaper car insurance rates and still choose a local agent.

After filling out this quick form, the quote information is sent to agents in your area that can give you free San Jose car insurance quotes for your insurance coverage. You never need to contact any agents since price quotes are sent directly to your email. If you need to compare prices for a specific company, you would need to go to their quote page and fill out the quote form the provide.

Finding the right provider shouldn’t rely on just a low price. These are some questions your agent should answer.

• Does the agency provide any after hours assistance?
• Who is covered by the car insurance policy?
• How often do they review coverages?
• Do they see any coverage gaps in your plan?
• Is there a Errors and Omissions policy in force?
• Which companies do they recommend if they are an independent agency?
• How many years have they been established?
• Can you contact them at any time?

If you want a local agent, there are a couple of types of insurance agents that you can select. Auto insurance agents can be classified as either independent or exclusive depending on the company they work for. Either can insure your vehicles properly, but it’s good to learn how they differ because it can influence the type of agent you choose.

Exclusive Auto Insurance Agencies

Agents of this type generally can only insure with one company like AAA, Allstate, and State Farm. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents receive extensive training on the products they sell and that can be a competitive advantage.

Listed below is a list of exclusive insurance agencies in San Jose willing to provide rate quotes.

More San Jose agents

Independent Agents (or Brokers)

Independent insurance agents are appointed with more than one company and that is an advantage because they can write policies through lots of different companies and find the cheapest rate. If premiums increase, your agent can just switch to a different company and the insured can keep the same agent.

When shopping rates, it’s a good idea to include price quotes from independent agents to have the best price comparison.

Listed below is a list of independent insurance agencies in San Jose who can help you get rate quotes.

More San Jose agents

How much can you save?

A few companies may not provide online price quotes and these small insurance companies provide coverage only through independent agents. Discount Dodge Viper insurance can be purchased on the web as well as from independent agents in San Jose, and you should compare price quotes from both to have the best chance of lowering rates.

You just learned many ways to save on Dodge Viper insurance in San Jose. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with the smaller companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. In many cases, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.

For more information, feel free to browse the resources below:

• Understanding Limits and Deductibles (Allstate)
• What Insurance is Cheapest for Unemployed Drivers in San Jose? (FAQ)
• What Car Insurance is Cheapest for a Honda Civic in San Jose? (FAQ)
• Who Has the Cheapest Auto Insurance for a Toyota Highlander in San Jose? (FAQ)
• What Does No-Fault Insurance Cover? (Allstate)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)