Finding cheap prices on Dodge Viper insurance in Santa Ana can be difficult for drivers who are new to online comparison shopping. Drivers have so many different companies and agents to choose from that it can be a lot of work to find the best prices.
Steps to finding low-cost rates for Dodge Viper insurance in Santa Ana
If you want to find the absolute lowest rates, then the best way to get discount Dodge Viper insurance is to regularly compare price quotes from providers that sell auto insurance in Santa Ana. You can compare rates by following these guidelines.
- Learn about how car insurance works and the things you can control to keep rates low. Many risk factors that result in higher rates like at-fault accidents and a poor credit rating can be controlled by paying attention to minor details.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.
- Compare the new rate quotes to your existing rates to determine if switching companies saves money. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide proper notification to your current company of your decision to cancel your existing policy. Submit payment along with a signed and completed policy application to the new company. Immediately upon receiving it, place your new proof of insurance certificate in an accessible location in your vehicle.
An essential thing to point out is that you'll want to compare the same physical damage deductibles and liability limits on each price quote and and to compare as many different companies as possible. Doing this guarantees a level playing field and the best price quote selection.
Unfortunately, most consumers have purchased from the same company for over three years, and practically 40% of insurance customers have never quoted rates to find cheap coverage. With the average insurance premium being $1,387, California drivers can cut their rates by up to $500 a year by just shopping around, but they feel it's too difficult to compare other rate quotes.
If you have insurance now, you stand a good chance to be able to cut your premiums using the ideas you're about to read. Quoting and comparing rates for cheaper insurance policy in Santa Ana can be fairly easy. Although California vehicle owners can benefit from knowing how companies market on the web because it can help you find the best coverage.
Companies offer lots of discounts on Dodge Viper insurance in Santa Ana
Car insurance can cost a lot, but you might find some hidden discounts to cut the cost considerably. Most are applied when you purchase, but some discounts are required to be specially asked for prior to receiving the credit.
- Accident Forgiveness Coverage - This one isn't a discount, but companies like GEICO, State Farm, and Progressive will turn a blind eye to one accident without the usual rate increase if your claims history is clear for a specific time period.
- Distant Student Discount - Older children who are attending college and won't have access to an insured vehicle could get you a discount.
- Santa Ana Homeowners Pay Less - Owning a home in Santa Ana can get you a discount since owning and maintaining a home shows financial diligence.
- Military Deployment Discount - Having a family member in the military could be rewarded with lower prices.
- Good Student Discount - A discount for being a good student can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
- Low Mileage - Driving less can qualify you for lower prices due to less chance of an accident.
- Anti-lock Brakes - Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
- Data Collection Discounts - Insureds who allow their company to analyze driving manner by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as the data is positive.
- Government Employees - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will lower your auto insurance premiums.
The illustration below visualizes the comparison of Dodge Viper car insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, multi-car, homeowner, and marriage discounts applied.
A few companies that may include these money-saving discounts include:
When comparing rates, check with every insurance company which discounts you qualify for. A few discounts may not be offered in every state. To view companies that offer multiple discounts in California, click here.
When looking for inexpensive Santa Ana auto insurance quotes, there are a couple ways to get quotes from local Santa Ana insurance companies. By far the easiest way to find affordable Dodge Viper insurance rates involves getting comparison quotes online.
When price shopping your coverage, quoting more helps increase your odds of locating the best offered rates. Some regional insurers cannot provide Santa Ana Viper insurance quotes online, so you also need to get price estimates from the smaller companies as well.
The providers in the list below offer free quotes in Santa Ana, CA. If the list has multiple companies, we recommend you visit several of them in order to find the cheapest rates.
Dodge Viper insurance rates and statistics
The price information below covers different rate quotes for Dodge Viper models. Having a better understanding of how insurance premiums are calculated can help you make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $518 | $1282 | $416 | $24 | $124 | $2,364 | $197 |
| Viper SRT/10 2-Dr Roadster | $518 | $1282 | $416 | $24 | $124 | $2,364 | $197 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can impact price quotes substantially.
Analysis of deductible levels
One of the more difficult decisions when buying insurance is which comprehensive and collision deductibles to buy. The comparison tables below may help to conceptualize the price difference of buying low and high policy deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $674 | $1544 | $442 | $26 | $132 | $2,843 | $237 |
| Viper SRT/10 2-Dr Roadster | $674 | $1544 | $442 | $26 | $132 | $2,843 | $237 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $374 | $814 | $442 | $26 | $132 | $1,788 | $149 |
| Viper SRT/10 2-Dr Roadster | $374 | $814 | $442 | $26 | $132 | $1,788 | $149 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Table data does not factor in specific location information which can lower or raise premium rates substantially.
Using the data above, we can ascertain that using a $100 deductible costs an average of $88 more each month or $1056 for a full year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 10 months between claims, you would more than likely save some money if you elect the higher deductible.
The example below shows how choosing a deductible and can impact Dodge Viper insurance costs for different categories of driver ages. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
How violations and accidents impact rates
The diagram below shows how violations and at-fault claims influence Dodge Viper auto insurance rates for each age group. The premiums are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
Insurance cost for men versus women in Santa Ana
The diagram below illustrates the comparison of Dodge Viper insurance prices for male and female drivers. The data assumes no claims or driving violations, full coverage, $500 deductibles, drivers are not married, and no discounts are applied.
Does it make sense to buy full coverage?
The example below shows the difference between Dodge Viper auto insurance rates with full coverage and liability only. The premium estimates are based on no violations or accidents, $100 deductibles, single marital status, and no other discounts are factored in.
When to drop comp and collision
There is no definitive guideline that is best for determining when to drop physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let's pretend your Dodge Viper replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after the policy deductible has been paid. If you are currently paying more than $300 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are a few cases where only buying liability is not a good idea. If you haven't paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not remove full coverage.
Learn How to Lower Your Insurance Rates
The best way to find cheaper insurance is to take a look at the different types of things that go into determining the price you pay for insurance. When you know what positively or negatively determines base rates, this enables you to make decisions that could help you find cheaper rates. Many things are part of the equation when you quote your car insurance policy. Some are pretty understandable like an MVR report, but some are less apparent like your vehicle usage or how financially stable you are.
The factors shown below are a partial list of the pieces that factor into prices.
Raise deductibles and save - Physical damage coverage, also known as collision and other-than-collision, covers your vehicle from damage. Examples of covered claims could be a broken windshield, hitting a deer, or theft. Physical damage deductibles are how much you are willing to pay if a covered claim is submitted. The higher the amount the insured is willing to pay, the less your insurance will be.
Reserve claims for larger damages - If you file a lot of claims you can look forward to increased rates or even have your policy non-renewed. Car insurance companies in California provide most affordable rates to policyholders who are not frequent claim filers. Auto insurance is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
Occupation can influence rates - Do you have a high-stress occupation? Jobs such as doctors, social workers, and accountants are shown to have higher rates than the rest of us because of intense work situations and incredibly demanding work hours. Other jobs such as scientists, historians and performers pay the least.
More traffic equals higher rates - Choosing to live in a small town can be a good thing if you are looking for the lowest rates. Less people means reduced accidents and a lower car theft rate. People who live in big cities have congested traffic and a longer drive to work. More time on the road statistically corresponds to a higher accident and claim rate.
Teenage vs. experienced drivers - Older people are more responsible, statistically cause fewer accidents, and get fewer tickets. Young drivers are statistically proven to be careless and easily distracted behind the wheel so insurance rates are higher.
The chart below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
Save money by having good credit - Your credit rating is likely to be a major factor in your rate calculation. Therefore, if your credit rating is low, you may save money insuring your Dodge Viper by taking the time to improve your credit score. Insureds with excellent credit tend to be more responsible than those with worse credit.
Limits of liability protection - The liability section of your policy kicks in when you are ruled to be at fault for an accident. Liability provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so insureds should have plenty of protection for their assets.
Dodge Viper claim statistics - Insurance companies analyze historical claim data as a tool for profitable underwriting. Models that historically have a higher amount or frequency of claims will have increased rates. The table below illustrates the insurance loss data for Dodge Viper vehicles.
For each policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is represented as 100. Numbers below 100 are indicative of better than average losses, while values over 100 point to more claims or statistically larger losses.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Dodge Viper 2dr | 147 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Buying from insurance agencies
A small number of people prefer to go talk to an agent and that is not a bad decision A nice benefit of comparing rate quotes online is that drivers can save money and get lower rates and still have a local agent.
By using this quick form, the quote information is submitted to insurance agents in Santa Ana who will return price quotes for your business. It makes it easy because there is no need to find an agent on your own because quoted prices will be sent directly to you. You can get cheaper car insurance rates without the usual hassles of price shopping. If you want to get a rate quote from a specific company, don't hesitate to visit that company's website and submit a quote form there.
Finding the right company requires more thought than just a cheap price. Some important questions to ask are:
- Can you choose the body shop in case repairs are needed?
- Do you work with a CSR or direct with the agent?
- Will one accident increase rates?
- What is the financial rating for the quoted company?
- Is every driver in your family covered?
- How often do they review coverages?
Once you have positive feedback to any questions you have as well as a price you're happy with, it's possible that you found an insurer that is reputable and can insure your vehicles. It's important to know that it's your policy and you can cancel coverage for any reason so don't assume you are locked into any particular company for the full policy term.
Why you need insurance for your vehicle
Even though Santa Ana Viper insurance rates can get expensive, paying for auto insurance is required in California but also provides important benefits.
First, most states have mandatory insurance requirements which means you are required to carry a specific level of liability insurance coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your car has a lienholder, almost every bank will make it mandatory that you have comprehensive coverage to guarantee payment of the loan. If you let the policy lapse, the bank or lender will purchase a policy for your Dodge at a much higher rate and require you to fork over for the expensive policy.
Third, insurance safeguards both your car and your assets. It will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If you have damage to your Dodge as the result of the weather or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of having auto insurance definitely exceed the cost, particularly if you ever have a claim. The average driver in California is overpaying more than $850 per year so it's very important to do a rate comparison every year to save money.
Persistence will pay off
Some car insurance companies may not provide price quotes online and many times these smaller providers provide coverage only through independent agencies. More affordable car insurance in Santa Ana can be sourced online as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money.
We just showed you a lot of ways to find cheaper Dodge Viper insurance in Santa Ana. It's most important to understand that the more providers you compare, the higher your chance of finding cheaper Santa Ana auto insurance quotes. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company.
Insureds leave their current company for a variety of reasons including policy non-renewal, an unsatisfactory settlement offer, being labeled a high risk driver and denial of a claim. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.
How to save on Dodge Viper insurance in Santa Ana
It takes a little time, but the best way to get discount auto insurance rates in Santa Ana is to compare prices annually from providers who provide car insurance in California. Price quotes can be compared by completing these steps.
- First, get a basic knowledge of auto insurance and the changes you can make to keep rates down. Many factors that increase rates such as high-risk driving behaviors and a substandard credit history can be amended by making lifestyle changes or driving safer.
- Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can provide prices from multiple insurance companies.
- Third, compare the new rates to the price on your current policy and see if there is a cheaper rate in Santa Ana. If you can save some money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, give proper notification to your current agent or company of your decision to cancel your current coverage and submit payment and a signed application for your new policy. Don't forget to place the new certificate of insurance with your registration paperwork.
The most important part of shopping around is to compare identical coverages on every quote request and and to analyze as many companies as possible. This helps ensure a fair price comparison and a complete price analysis.
Additional articles
- Safe Vehicles for Teens (iihs.org)
- What Car Insurance is Cheapest for Immigrants in Santa Ana? (FAQ)
- Who Has Cheap Santa Ana Auto Insurance Rates for a Toyota 4Runner? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Toyota Highlander in Santa Ana? (FAQ)
- How Much are Car Insurance Rates for Good Drivers in Santa Ana? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Over Age 60 in Santa Ana? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)