Shocking but true, over 70% of California drivers kept buying from the same company for over three years, and nearly the majority have never compared rates with other companies. With the average car insurance premium being $1,847, U.S. drivers can cut their rates by nearly $850 a year, but they think it’s difficult to save money by comparing rate quotes.
Truthfully, the best way to get budget Dodge Viper insurance in Irvine is to make a habit of comparing prices annually from providers in California. You can compare rates by completing these steps.
- Step 1: Try to learn about how companies set rates and the factors you can control to keep rates down. Many factors that are responsible for high rates like speeding tickets, accidents and a less-than-favorable credit history can be improved by making lifestyle changes or driving safer. Continue reading for more information to help keep prices low and get discounts that may be overlooked.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can provide price quotes for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to your existing policy and determine if cheaper Viper coverage is available. If you can save money, make sure coverage does not lapse between policies.
- Step 4: Give notification to your agent or company of your decision to cancel your current auto insurance policy. Submit a completed policy application and payment for your new policy. Once the application is submitted, put the new certificate of insurance in an easily accessible location in your vehicle.
The most important part of shopping around is to try to use the same deductibles and limits on every quote and and to get rates from as many companies as feasibly possible. Doing this helps ensure an apples-to-apples comparison and a thorough selection of prices.
Most major insurance companies give insurance quotes direct online. Getting online rates for Dodge Viper insurance in Irvine is easy for anyone as you just type in your coverage information into the form. After you complete the form, their quoting system requests your driving and credit reports and returns a price determined by many factors.
The ability to get online rate quotes for Dodge Viper insurance in Irvine makes comparing rates easy, and it’s also necessary to do this if you are searching for the most affordable premium on auto insurance.
If you want to get comparison pricing now, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you type in the insurance coverages as shown on your current policy. This way, you will get a fair comparison based on the exact same insurance coverage.
The companies shown below offer price quotes in Irvine, CA. If multiple companies are listed, we suggest you visit several of them to get a more complete price comparison.
Get cheaper Dodge Viper insurance rates in Irvine
Auto insurance companies do not advertise all discounts very clearly, so we break down both well-publicized as well as the least known discounts that may be available. If you check and find you aren’t receiving every discount you deserve, you are not getting the best rate possible.
- Senior Discount – If you qualify as a senior citizen, you may be able to get a small discount on rates.
- Student in College – Kids who live away from home to go to college and do not have a car could qualify for this discount.
- Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
- Government Employee Discount – Federal government employees can save as much as 8% with some car insurance companies.
- One Accident Forgiven – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before raising your premiums if you are claim-free before the accident.
- Low Mileage – Maintaining low annual mileage can earn slightly better premium rates than normal.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts can save a little on the premium charged for medical payments and/or PIP.
- Homeowners Savings – Being a homeowner may trigger a policy discount on car insurance because owning a home demonstrates responsibility.
Remember that most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you can get free auto insurance, car insurance companies aren’t that generous.
The example below visualizes the comparison of Dodge Viper insurance costs with and without discounts applied to the premium. The premiums assume a female driver, no claims or driving violations, California 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 marriage, multi-car, homeowner, safe-driver, claim-free, and multi-policy discounts applied.
Companies and some of the discounts include:
- State Farm may have discounts that include passive restraint, driver’s education, good student, Steer Clear safe driver discount, defensive driving training, student away at school, and accident-free.
- Progressive policyholders can earn discounts including multi-vehicle, multi-policy, homeowner, continuous coverage, good student, online signing, and online quote discount.
- Progressive may offer discounts for online quote discount, multi-policy, online signing, good student, multi-vehicle, and continuous coverage.
- MetLife offers premium reductions for claim-free, multi-policy, accident-free, defensive driver, good student, good driver
- Farm Bureau includes discounts for safe driver, renewal discount, youthful driver, multi-vehicle, driver training, 55 and retired, and multi-policy.
- GEICO may include discounts for multi-vehicle, membership and employees, good student, military active duty, driver training, emergency military deployment, and defensive driver.
- SAFECO offers discounts for safe driver, anti-theft, homeowner, teen safety rewards, accident prevention training, and anti-lock brakes.
Before purchasing a policy, check with every insurance company to give you their best rates. Some of the earlier mentioned discounts may not be available in your area.
Rate information and statistics
The rate table displayed next highlights detailed analysis of insurance prices for Dodge Viper models. Understanding more about how policy premiums are determined can help guide drivers when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $466 | $1074 | $416 | $24 | $124 | $2,104 | $175 |
| Viper SRT/10 2-Dr Roadster | $466 | $1074 | $416 | $24 | $124 | $2,104 | $175 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in specific garaging location which can raise or lower premium rates substantially.
Deductible comparison
One frequently asked question is which comprehensive and collision deductibles to buy. The rates shown below help summarize the premium difference when you select higher and lower insurance deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second rate chart 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 | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in specific location information which can increase or decrease auto insurance rates noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $88 more each month or $1056 for a full year across all Dodge Viper models than buying the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 10 months between claims, you would come out ahead by going with a higher deductible. Below is how you can make this decision for your own policy.
| Average monthly premium for $100 deductibles: | $237 |
| Average monthly premium for $1,000 deductibles (subtract): | – $149 |
| Monthly savings from raising deductible: | $88 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $88 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 10 months |
The chart below illustrates how choosing a deductible and can impact Dodge Viper premium costs for different age groups. Data assumes a married male driver, comp and collision included, and no discounts are factored in.
Gender differences in insurance premiums
The chart below compares Dodge Viper car insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.
Buying from car insurance agents
Certain consumers still prefer to sit down and talk to an agent and we recommend doing that Good agents are very good at helping people manage risk and help file insurance claims. An additional benefit of comparing insurance prices online is the fact that you can find the best rates and still choose a local agent. Buying insurance from neighborhood insurance agencies is still important in Irvine.
After completing this quick form, the quote information is submitted to participating agents in Irvine who will return price quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to do any legwork because prices are sent immediately to your email address. If for some reason you want to get a rate quote for a specific company, you would need to visit that company’s website and complete a quote there.
If you want a local insurance agency, it can be helpful to understand the types of insurance agents from which to choose. Irvine agents can be categorized as either independent or exclusive. Either one can handle auto insurance, but it’s good to learn how they differ because it can influence which agent you choose.
Independent Auto Insurance Agencies or Brokers
Agents in the independent channel are appointed with more than one company so they can quote policies with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, your agent can just switch to a different company and you won’t have to switch agencies.
When comparing auto insurance prices, you definitely need to get insurance quotes from several independent insurance agents in order to compare the most rates. Most can insure with mutual insurance companies that can offer cheaper rates than bigger companies.
The following is a list of independent agents in Irvine that may be able to give cheap rate quotes.
- First American Property and Casualty Insurance Agency, Inc.
24 Executive Park Suite 250 – Irvine, CA 92614 – (888) 546-5118 – View Map - Wells Fargo Insurance Services: Harper James
2030 Main St #700 – Irvine, CA 92614 – (949) 358-6100 – View Map - KCAL Insurance Agency (Irvine)
14795 Jeffrey Rd – Irvine, CA 92618 – (949) 786-6888 – View Map
Exclusive Agencies
These type of agents write business for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot place coverage with different providers so keep that in mind. They are well trained in insurance sales which can be an advantage. Consumers frequently use the same agent primarily because of the brand and solid financial strength.
Listed below are Irvine exclusive agencies that can give you price quote information.
- Farmers Insurance: James Lohse
4850 Barranca Pkwy #202 – Irvine, CA 92604 – (949) 559-0175 – View Map - Farmers Insurance – Al Kash
17702 Mitchell N – Irvine, CA 92614 – (949) 216-3620 – View Map - Steven Wang – State Farm Insurance Agent
15333 Culver Dr #130 – Irvine, CA 92604 – (949) 552-3600 – View Map
Choosing the best auto insurance agent is decision based upon more than just a cheap price quote. Ask your prospective agent these questions:
- If you are a high risk driver, do they have special markets for your coverage?
- Which company do they place the most coverage with?
- Is there a Errors and Omissions policy in force?
- Is the coverage adequate for your vehicle?
- How long has the business existed?
- Does the company allow you to choose your own collision repair facility?
After talking to the agent and getting answers to your satisfaction to your questions as well as an affordable premium quote, you may have just found an auto insurance agent that meets the criteria to insure your vehicles. Just be aware that you can always cancel coverage whenever you wish so don’t feel you are locked into a specific company for the full term.
Dodge Viper Insurance Premium Factors
When buying car insurance it’s important to understand the rating factors that help determine your car insurance rates. If you have a feel for what determines base rates, this empowers consumers to make smart changes that may result in lower car insurance prices. Lots of factors are used in the calculation when pricing auto insurance. Some are obvious such as your driving history, but some are less apparent like your vehicle usage and annual miles driven.
No coverage gaps is important – Driving with no insurance is illegal and any future policy may cost more because you let your insurance lapse for non-payment. And not only will insurance be more expensive, being ticketed for driving with no insurance might get you a revoked license or a big fine.
Physical damage deductibles – Comprehensive and collision coverage deductibles represent how much money you are willing to pay if a claim is determined to be covered. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims would be rear-ending another vehicle, hail damage, and having a roll-over accident. The more of the claim you are required to pay out-of-pocket, the bigger discount you will receive.
Avoid tickets and save – How you drive can have a huge impact on auto insurance premiums. Getting just one moving violation can boost insurance rates twenty percent or more. Attentive drivers pay lower auto insurance prices compared to bad drivers. Drivers who get serious citations like hit and run, DWI or reckless driving convictions may need to prove financial responsibility with the DMV in their state in order to drive a vehicle legally.
The illustration below highlights how traffic violations and fender-benders can drive up Dodge Viper premium costs for different insured age categories. The data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
Liability limits on your policy – Your policy’s liability coverage will provide protection if ever a jury decides you are liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage which can cost thousands of dollars. Liability insurance is pretty cheap compared to other policy coverages, so do not cut corners here.
The more you drive the more you pay – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based upon how much you drive. Cars used primarily for pleasure use can be on a lower rate level than vehicles that are driven to work every day. It’s a smart idea to ensure your vehicle rating correctly shows the correct usage for each vehicle. A policy that improperly rates your Viper is throwing money out the window.
Incidental coverages that aren’t used – There are a ton of optional add-on coverages that may not really be needed on your car insurance policy. Insurance for things like vanishing deductibles, death and dismemberment, and term life insurance may be costing you every month. You may think they are a good idea when discussing your needs, but if you don’t need them remove them from your policy.
Insurance loss probability for a Dodge Viper – Companies use claims history as a way to help calculate a profitable premium rate. Vehicles that are shown to have increased claim numbers or amounts will have higher rates for specific coverages.
The data below shows the compiled insurance loss statistics for Dodge Viper vehicles. For each type of coverage, the statistical loss for all vehicles compiled together is represented as 100. Numbers below 100 represent a good loss history, while percentages above 100 indicate more frequent claims or tendency to have larger claims.
| 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Car insurance just makes sense
Despite the high cost of buying insurance for a Dodge Viper in Irvine, maintaining insurance is required in California but it also protects you in many ways.
First, the majority of states have mandatory liability insurance requirements which means state laws require specific limits of liability insurance 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 you have a loan on your Viper, it’s guaranteed your bank will make it mandatory that you have insurance to guarantee payment of the loan. If you let the policy lapse, the bank may insure your Dodge at a more expensive rate and force you to pay for it.
Third, car insurance preserves both your Dodge and your assets. Insurance will also pay for medical bills that are the result of an accident. Liability coverage will also pay to defend you if someone files suit against you as the result of an accident. If you have damage to your Dodge as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of insuring your Viper outweigh the cost, especially with large liability claims. Today the average American driver overpays more than $830 a year so smart consumers compare quotes at every renewal to ensure rates are competitive.
Cheaper insurance is a realistic goal
While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where an insured cut full coverage only to regret that it was a big mistake. Your aim should be to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.
We just presented some good ideas how you can lower your Dodge Viper insurance rates in Irvine. The key thing to remember is the more quotes you get, the better likelihood of getting cheaper Irvine car insurance quotes. Consumers may even find the lowest rates come from a smaller regional carrier.
Budget-conscious Dodge Viper insurance is possible on the web and from local insurance agents, and you should be comparing both to have the best selection. Some companies may not provide rates over the internet and most of the time these small, regional companies only sell through independent insurance agents.
To learn more, link through to these articles:
- How to Avoid Staged Accidents (State Farm)
- What Insurance is Cheapest for High Mileage Drivers in Irvine? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Seniors in Irvine? (FAQ)
- Who Has Affordable Irvine Auto Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
- How Much are Auto Insurance Quotes for Drivers Requiring a SR22 in Irvine? (FAQ)
- Who Has Affordable Irvine Car Insurance Quotes for Drivers Under 21? (FAQ)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Bodily Injury Coverage (Liberty Mutual)
- Electronic Stability Control FAQ (iihs.org)