Cheapest Quotes for Dodge Viper Insurance in Austin

Would you like to stop wasting money and find more competitive auto insurance rates in Austin, TX? Austin shoppers have options when shopping for the lowest priced Dodge Viper insurance. You can either waste hours contacting agents trying to get quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to buy auto insurance and we’ll show you the quickest way to price shop coverage for your Dodge and get the cheapest rates.

You should take the time to price shop coverage occasionally because prices fluctuate regularly. Just because you found the lowest rates on Dodge Viper insurance in Austin a year ago you may be paying too much now. Block out anything you think you know about auto insurance because you’re about to find out one of the easiest ways to eliminate unnecessary coverages and save money on Dodge Viper insurance in Austin.

Reducing your insurance rates is surprisingly easy. Drivers just need to invest a few minutes comparing free Austin auto insurance quotes to find the company with inexpensive Austin auto insurance quotes.

The companies shown below are our best choices to provide free rate quotes in Texas. If multiple companies are shown, we suggest you click on several of them in order to find the lowest rates.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in zip code location which can affect auto insurance rates significantly.

Comparison of auto insurance rates by gender and age in Austin

The example below illustrates the comparison of Dodge Viper auto insurance costs for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

Physical damage deductibles: Should you raise them?

One of the most common auto insurance questions is which deductibles should you choose. The data tables below can help you visualize the premium difference between high and low physical damage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific location which can affect rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $76 more each month or $912 every year than buying the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 12 months between claims, you would probably save some money if you elect the higher deductible.

Lower your auto insurance rates with discounts

Some insurers don’t always advertise the entire discount list in a way that’s easy to find, so the list below gives a summary of a few of the more well known and also the more inconspicuous ways to save on auto insurance.

• Telematics Data Discounts – Insureds that choose to allow their company to study driving habits by using a telematic data system like Allstate’s Drivewise could possibly reduce rates if they are good drivers.
• Online Discount – A handful of insurance companies will provide an incentive just for signing your application online.
• Discount for Home Ownership – Being a homeowner can save a few bucks because owning a home is proof that your finances are in order.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and can earn a small discount on your policy.
• Discounts for Good Drivers – Drivers who don’t get into accidents can pay as much as 50% less than their less cautious counterparts.
• Driver Training Discounts – Taking part in a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.
• No Charge for an Accident – Not necessarily a discount, but companies like Libery Mutual, GEICO and Allstate will forgive one accident without the usual rate increase if you have no claims before the accident.
• Discount for Multiple Policies – If you can bundle your home and auto insurance with one insurance company you could get a discount of nearly 15% which can help you find inexpensive Dodge Viper insurance in Austin.
• Good Student Discount – This discount may save you up to 25%. This discount can apply up to age 25.

One thing to note about discounts is that many deductions do not apply to the whole policy. Some only apply to specific coverage prices like comp or med pay. Despite the appearance that you can get free auto insurance, you’re out of luck.

Auto insurance companies that may offer these money-saving discounts include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• GEICO

When getting free Austin auto insurance quotes, it’s a good idea to every prospective company to give you their best rates. Some discounts may not be offered in Austin. To find providers with the best discounts in Austin, click here.

Local Austin auto insurance agents

Many people would prefer to get advice from a local agent and there is nothing wrong with that. Licensed agents are highly skilled in risk management and give you someone to call. A nice benefit of comparing insurance prices online is that you can find cheaper auto insurance rates but also keep your business local. And supporting local agencies is especially important in Austin.

To make it easy to find an agent, after completing this simple form, your coverage information is transmitted to participating agents in Austin who will give you quotes for your business. You won’t even need to do any legwork because prices are sent immediately to you. If you wish to get a price quote from a specific company, you would need to go to their quote page and give them your coverage information.

If you would like to find an insurance agent, there are a couple of different agency structures that you can choose from. Car insurance agents in Austin are considered either independent or exclusive. Both types of agents can handle car insurance, but we need to point out why they differ since it could factor into the kind of agent you use.

Independent Agencies or Brokers

Agents that choose to be independent often have many company appointments and that gives them the ability to insure with a variety of different insurance companies and get you the best rates possible. If your agent finds better pricing, they can switch companies in-house which is easy for the insured. When comparing car insurance prices, we recommend you contact several independent agencies so that you have a good selection of quotes to compare. Most have the option of insuring with additional companies that you may not be familiar with which may have better rates.

The following is a list of independent agencies in Austin who may be able to give you free car insurance rate quotes.

• AUSTIN AREA INSURANCE AGENCY
  8711 Burnet Rd – Austin, TX 78757 – (512) 253-8726 – View Map
• Austin Insurance Group
  9705 Burnet Rd #314 – Austin, TX 78758 – (512) 339-2901 – View Map
• Starr Insurance Agency
  8801 Research Blvd #104 – Austin, TX 78758 – (512) 586-2000 – View Map

More Austin agents

Exclusive Car Insurance Agencies

Exclusive agencies can usually just insure with one company like Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot place coverage with different providers so it’s a take it or leave it situation. Exclusive agents are well trained in insurance sales which helps them sell on service rather than price. Consumers often choose to use an exclusive agent primarily because of the prominent brand name instead of buying on price only.

Below is a list of exclusive agents in Austin that are able to give rate quotes.

• J B Ruebsahm – State Farm Insurance Agent
  1901 W William Cannon Dr #131 – Austin, TX 78745 – (512) 444-1845 – View Map
• Dick Cohalla – State Farm Insurance Agent
  10711 Burnet Rd #102 – Austin, TX 78758 – (512) 837-4210 – View Map
• Carmina Eaton – State Farm Insurance Agent
  4201 W Parmer Ln b170 – Austin, TX 78727 – (512) 244-6641 – View Map

More Austin agents

Finding a good insurance agent is decision based upon more than just a low price. Here are some questions you might want to ask.

• What will you get paid if your car is a total loss? How is that amount determined?
• Are they actively involved in the community?
• Which companies do they recommend if they are an independent agency?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Which members of your family are coverage by the policy?
• If you have an accident, will your rates go up?

Informed Drivers Can Cut Insurance Costs

When buying insurance it’s important to understand some of the elements that aid in calculating insurance rates. If you know what determines premiums, this empowers consumers to make smart changes that could help you find lower premium levels.

• Fewer miles means better prices – The more miles you rack up on your Dodge every year the more you’ll pay to insure your vehicle. Many insurance companies apply a rate based upon how much you drive. Cars not used for work or commuting can be on a lower rate level as compared to vehicles used primarily for driving to work. Verify your insurance policy is showing the proper vehicle usage. Having the wrong rating on your Viper can cost quite a bit.
• Your career may increase rates – Occupations such as fire fighters, airline pilots, and accountants have higher rates than the rest of us attributed to job stress and lots of time spent away from family. Other occupations like farmers, engineers and performers get better rates.
• Poor credit can mean higher prices – A driver’s credit score is a large factor in calculating your premium rate. Insureds with very high credit ratings tend to be more responsible and file fewer claims than drivers with bad credit. If your credit history can use some improvement, you could potentially save money when insuring your Dodge Viper if you improve your credit rating.
• What are good liability limits? – Your insurance policy’s liability coverage will afford coverage when you are found to be at fault for an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
• Claim-free discounts can add up – If you file claims often, you can expect much higher rates or policy non-renewal. Insurance companies in Texas provide the best rates to policyholders who do not file claims often. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
• Dodge Viper insurance loss probability – Auto insurance companies take into consideration historical loss data for every vehicle when they set coverage costs for each model. Vehicles that the statistics show to have higher loss trends will cost more for specific coverages. The table below illustrates the loss history for Dodge Viper vehicles.

  For each insurance policy coverage type, the claim probability for all vehicles, without regard to make or model, is considered to be 100. Percentages below 100 mean the vehicle has better than average losses, while values over 100 point to more losses or an increased chance of larger losses than average.

  Dodge Viper Insurance Claim Statistics

  Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Buying the right Viper insurance in Texas is an important decision

Despite the fact that auto insurance is not cheap in Austin, buying auto insurance serves a purpose in several ways.

First, just about all states have minimum mandated liability insurance limits which means you are required to carry specific minimum amounts of liability coverage in order to get the vehicle licensed. 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.

Second, if you bought your car with a loan, most banks will make it a condition of the loan that you buy insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Dodge at a significantly higher premium and require you to pay for the much more expensive policy.

Third, insurance protects both your assets and your vehicle. It will also reimburse you for medical expenses that are the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, your auto insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance outweigh the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays as much as $820 a year so you should quote rates at every policy renewal to help ensure money is not being wasted.

Do the work, save more money

In this article, we presented a lot of information how to get a better price on Dodge Viper insurance in Austin. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding cheaper Austin auto insurance quotes. You may even be surprised to find that the best price on insurance is with some of the smallest insurance companies.

When shopping online for insurance, it’s very important that you do not buy less coverage just to save a little money. In too many instances, drivers have reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Lower-priced insurance in Austin is available online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer internet price quotes and most of the time these regional insurance providers provide coverage only through independent agencies.

To read more, take a look at the resources below:

• Auto Insurance FAQ (Farmers Insurance)
• Who Has the Cheapest Austin Auto Insurance Quotes for High Mileage Drivers? (FAQ)
• Who Has the Cheapest Austin Car Insurance Rates for a Hyundai Elantra? (FAQ)
• Who Has Affordable Auto Insurance Quotes for Teenagers in Austin? (FAQ)
• How Much are Austin Auto Insurance Rates for Real Estate Agents? (FAQ)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• How to Avoid Common Accidents (State Farm)