Find Affordable Dodge Viper Insurance in Atlanta

Pricey Dodge Viper insurance in Atlanta can bleed your bank account and maybe even restrict other spending. Comparison shopping is recommended to make ends meet.

A recent auto insurance study discovered that nearly 70% of Georgia drivers have remained with the same auto insurance company for at least four years, and about 40% of consumers have never compared auto insurance rates at all. With the average auto insurance premium being $1,847, U.S. drivers could save as much as $860 each year by just comparing quotes, but they don’t want to spend time to find affordable insurance by shopping around. Many auto insurance companies vie for your insurance dollar, and because of this it can be hard to compare auto insurance companies and get the best coverage at the lowest rate possible on Dodge Viper insurance in Atlanta.

Affordable companies for Dodge Viper insurance

The providers in the list below have been selected to offer free rate quotes in Georgia. If multiple companies are listed, we suggest you visit as many as you can to get a more complete price comparison.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Prices do not factor in zip code location which can raise or lower price quotes considerably.

Rate comparison for different deductibles

The hardest decision when buying coverage is how high should the physical damage deductibles be. The tables below can help show the difference in cost when you buy lower versus higher coverage deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in zip code location which can change premiums greatly.

Based on the figures above, using a $250 deductible will cost in the ballpark of $55 more each month or $660 annually than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 14 months between claims, you would save more money if you decide on a higher deductible.

Difference between liability only and full coverage rates

The diagram below visualizes the comparison of Dodge Viper insurance costs with liability coverage only compared to full coverage. The costs are based on no tickets, no at-fault accidents, $500 deductibles, married female driver, and no discounts are applied.

Guidelines for eliminating full coverage

There isn’t a written rule to drop full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s say your Dodge Viper book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $6,000 after paying your policy deductible. If you are paying over $600 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where dropping full coverage is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Auto insurance policy discounts you can’t miss

Some providers don’t always list all discounts in an easy-to-find place, so the list below details a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy Atlanta car insurance online.

• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance in addition to your auto policy.
• Bundle and Save – If you can combine your auto and home policy and insure them both with the same insurance company you will save at least 10% off all policies.
• Student Discounts – Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
• Braking Control Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more on Viper insurance in Atlanta.
• Data Collection Discounts – Drivers that enable driving data collection to spy on where and when they drive by using a telematic data system such as State Farm’s In-Drive might get better premium rates as long as the data is positive.
• No Charge for an Accident – Not necessarily a discount, but companies like State Farm and Allstate will let one accident slide before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.
• Professional Memberships – Joining a qualifying organization is a simple method to lower premiums on your policy.
• Resident Student – College-age children living away from Atlanta attending college and won’t have access to an insured vehicle can receive lower rates.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it appears all those discounts means the company will pay you, you aren’t that lucky.

To see a list of auto insurance companies who offer auto insurance discounts in Georgia, click here.

Why Informed Drivers Pay Less for Dodge Viper Insurance

Many factors are taken into consideration when pricing auto insurance. Most are fairly basic such as traffic violations, but other factors are less apparent such as your credit history or how safe your car is. A large part of saving on auto insurance is knowing the factors that go into determining the level of your policy premiums. If you have a feel for what impacts premium levels, this allows you to make educated decisions that could result in lower rates.

The factors shown below are a few of the things that factor into your premiums.

• More performance means higher rates – The type of car, truck or SUV you drive makes a big difference in how high your rates are. Since the Dodge Viper is considered a sports car, insuring your vehicle will cost much more compared to average rates in Atlanta. Low performance passenger cars usually are quite affordable to insure, but the final cost of insurance is determined by many other factors.
• Fewer miles means better prices – Driving more miles every year the higher your rate. A lot of companies calculate prices based upon how the vehicle is primarily used. Vehicles that are left in the garage receive better premium rates than those that get driven frequently. Make sure your auto insurance declarations sheet is rated on the correct usage. Incorrect rating for your Viper can cost quite a bit.
• Cars with good safety ratings means cheaper insurance – Safe vehicles tend to be cheaper to insure. Safer cars protect occupants better and better occupant protection means less claims paid passed on to you as lower rates.
• Auto insurance rates and your job – Did you know that where you work can have an impact on rates? Occupations like real estate brokers, airline pilots, and miners generally have the highest rates due to high stress levels and extremely grueling work hours. On the flip side, jobs like professors, students and retirees get better rates.
• High premiums for youthful drivers – Mature drivers have been proven to be more responsible, cause fewer claims and accidents, and get fewer tickets.Teenage drivers are statistically proven to be careless and easily distracted with other occupants in the car therefore auto insurance rates are much higher.
• Being married can save you money – Your spouse may save some money when buying auto insurance. Marriage is viewed as being more mature than a single person and it’s proven that drivers who are married are more cautious.
• Dodge Viper claim statistics – Companies include the past claim history for a vehicle to help calculate a profitable premium rate. Models that have higher claim frequency or loss amount will have a higher cost to insure. The table below shows the historical insurance loss data for Dodge Viper vehicles.

  For each coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is equal to 100. Numbers shown that are under 100 indicate a favorable loss history, while values that are above 100 point to more frequent losses or an increased probability of a larger loss.

  Insurance Loss Ratings for Dodge Viper Vehicles

  Make and 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
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When in doubt talk to an agent

Keep in mind that when it comes to choosing coverage for your personal vehicles, there really isn’t a “best” method to buy coverage. You are unique so this has to be addressed.
For instance, these questions can help discover whether you could use an agent’s help.

• Is coverage enough to protect my assets?
• Do I need to file an SR-22 for a DUI in Georgia?
• Is pleasure use cheaper than using my Dodge Viper to commute?
• Exactly who is provided coverage by my policy?
• Does my Dodge Viper need full coverage?
• Can I afford to buy a different vehicle if my Dodge Viper is totaled?
• Do I have ACV or replacement cost coverage?
• When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Local Atlanta car insurance agents

Many drivers just prefer to get advice from a local agent and that can be a smart move Most agents can help you build your policy and help submit paperwork. One of the best bonuses of price shopping on the web is that you can find better rates and still choose a local agent. Supporting neighborhood agents is especially important in Atlanta.

Once you complete this quick form, your insurance coverage information is transmitted to agents in your area who will gladly provide quotes to get your business. It’s much easier because you don’t need to find an agent on your own due to the fact that quote results will go to your email. If you wish to compare prices for a specific company, you would need to jump over to their website and fill out their quote form.

What type of Atlanta auto insurance agent is right for you?

When searching for a reliable insurance agent, it’s helpful to know the different types of agencies and how they can quote your rates. Insurance agencies in Atlanta can be classified as either exclusive or independent. Both types of agents can sell auto insurance policies, but it’s good to learn the subtle differences because it may have an impact on which type of agent you select.

Independent Auto Insurance Agents

Independent agencies are not restricted to one company and that gives them the ability to insure through many companies and potentially find a lower price. To move your coverage to a new company, they can switch companies in-house which requires no work on your part. If you are comparing rate quotes, we recommend you compare quotes from multiple independent agents for maximum quote selection.

The following is a small list of independent insurance agencies in Atlanta who can help you get pricing information.

More insurance agents

Exclusive Agents

Agents of this type have only one company to place business with and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

The following is a list of exclusive insurance agencies in Atlanta who can help you get rate quotes.

More insurance agents

Choosing an insurance agency requires you to look at more than just the price. Before buying a policy in Atlanta, get answers to these questions.

• Are they primarily personal or commercial lines agents in Atlanta?
• Will you work with the agent or an assistant?
• Is their price quote a firm figure or are their hidden costs?
• If you have an accident, will your rates go up?
• Are they able to provide referrals?
• Does the agency provide any after hours assistance?

Beware of misleading car insurance ads

Consumers can’t get away from all the ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. They all seem to make an identical promise that you’ll save big if you switch to their company.

How does each company claim to save you money? It’s all in the numbers.

Most companies quote their cheapest rates for the type of driver they prefer to insure. For example, a preferred risk may be a mature driver, has no claims, and drives less than 5,000 miles a year. Any customer that meets those criteria receives the best prices in Atlanta and will save quite a bit of money when switching.

Consumers who do not fit this ideal profile will see higher premium rates which translates to the customer not buying. The ads state “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why insurance companies can make those statements.

This emphasizes why drivers must get a wide range of price quotes. It is impossible to guess with any certainty which company will give you the biggest savings.

A conclusion for your car insurance search

When shopping online for car insurance, it’s not a good idea to reduce coverage to reduce premium. Too many times, drivers have reduced liability coverage limits and discovered at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.

Cheaper Dodge Viper insurance in Atlanta is available from both online companies in addition to many Atlanta insurance agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies do not offer internet price quotes and usually these regional carriers work with independent agents.

You just read some good ideas how you can save on Dodge Viper insurance in Atlanta. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the lowest priced car insurance comes from a lesser-known regional company. Regional companies often have lower rates on specific markets than the large multi-state companies such as Allstate or State Farm.

Additional resources

• Information for Teen Drivers (GEICO)
• Who Has the Cheapest Atlanta Auto Insurance for Real Estate Agents? (FAQ)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
• How to Avoid Staged Accidents (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Institute)
• Things to Know Before you Cancel Insurance (Allstate)