Cheap Indianapolis Dodge Viper Insurance

If saving the most money is your goal, then the best way to save money on auto insurance rates is to start comparing prices yearly from providers that insure vehicles in Indianapolis. This can be done by following these steps.

The most important part of shopping around is to try to use identical coverages on every quote and and to get rates from every insurance company. Doing this guarantees a fair rate comparison and the best price quote selection.

Insurance for Dodge ViperRegrettably, most auto insurance policyholders kept their policy with the same company for four years or more, and nearly 40% of drivers have never quoted auto insurance rates at all. Indianapolis insurance shoppers can save hundreds of dollars each year just by comparing rates, but they don’t invest the time required to find cheap insurance by shopping around.

If you have auto insurance now, you should be able to lower your rates using the ideas you’re about to read. Buying affordable auto insurance in Indianapolis can be made easier if you know where to look. Although Indiana vehicle owners do need to learn the methods companies use to sell online because it varies considerably.

When comparison shopping, comparing all the rates in your area helps improve the odds of finding the best price.

The companies shown below offer comparison quotes in Indianapolis, IN. If the list has multiple companies, we recommend you visit as many as you can to get the best price comparison.

Insurance data for a Dodge Viper

The table displayed below outlines detailed analysis of policy rates for Dodge Viper models. Learning how policy premiums are established can help customers make informed purchases.

Dodge Viper Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $204 $506 $318 $18 $94 $1,140 $95
Viper SRT/10 2-Dr Roadster $204 $506 $318 $18 $94 $1,140 $95
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in your specific Indianapolis location which can increase or decrease auto insurance rates substantially.

Insurance deductibles

When comparing insurance rates, the most common question is which deductibles should you choose. The rates shown below lay out how much more you’ll pay between high and low policy deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Dodge Viper insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $428 $980 $280 $16 $84 $1,813 $151
Viper SRT/10 2-Dr Roadster $428 $980 $280 $16 $84 $1,813 $151
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Dodge Viper insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $312 $662 $280 $16 $84 $1,354 $113
Viper SRT/10 2-Dr Roadster $312 $662 $280 $16 $84 $1,354 $113
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price information does not factor in specific Indianapolis garaging location which can change coverage prices substantially.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $38 more each month or $456 annually across all Dodge Viper models than quoting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 11 months between claim filings, you would save money if you opt for a higher deductible. The illustration below shows the way you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $151
Average monthly premium for $500 deductibles (subtract): – $113
Monthly savings from raising deductible: $38
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

One important caveat is that increasing deductibles to lower your rates results in more money out-of-pocket at claim time. You need to make sure you have enough extra money in the event you need to pay the higher deductible.

The illustration below illustrates how your deductible choice and can influence Dodge Viper annual premium costs for different age groups. The rates are based on a single male driver, full physical damage coverage, and no discounts are applied.

Rate comparison of men versus women

The example below shows the difference between Dodge Viper insurance costs for male and female drivers. Data assumes no accidents or driving violations, full coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Lower rates by qualifying for discounts

Insuring your fleet can be pricey, but there could be significant discounts that many people don’t even know exist. Some discounts will apply when you get a quote, but some may not be applied and must be specifically requested before you get the savings.Save money with discounts

Discounts lower rates, but some credits don’t apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will help reduce your policy cost.

The information below illustrates the difference between Dodge Viper car insurance rates with and without discounts applied to the premium. The rates are based on a male driver, no claims or driving violations, Indiana state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-policy, multi-car, and marriage discounts applied.

Insurance companies that may have these benefits include:

Before purchasing a policy, check with every company to give you their best rates. Savings might not apply everywhere. To view providers that can offer you the previously mentioned discounts in Indianapolis, click here.

Insurance is an important decision

Even though it’s not necessarily cheap to insure a Dodge in Indianapolis, maintaining insurance may not be optional for several reasons.

The benefits of having insurance greatly outweigh the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $855 a year so compare rates each time the policy renews to make sure the price is not too high.

Compare rate quotes but buy from a local Indianapolis insurance agent

A lot of people just want to buy from a licensed agent and that is a smart decision One of the benefits of comparing insurance prices online is you may find cheaper car insurance rates and also buy local.

Insurance agents in IndianapolisTo make it easy to find an agent, after completing this quick form, your coverage information is immediately sent to agents in your area who can give free rate quotes for your auto insurance coverage. You won’t even need to find an agent since price quotes are sent straight to your inbox. You can get cheaper auto insurance rates and a licensed agent to work with. If you need to quote rates from one company in particular, feel free to visit that company’s website and fill out their quote form.

Selecting an provider is decision based upon more than just a cheap price. Any agent in Indianapolis should have no problem answering these questions:

Two types of car insurance agents

If you want a local Indianapolis insurance agent, there are a couple of different types of agents and how they differ in how they quote coverages. Agencies in Indianapolis are categorized either exclusive agents or independent agents.

Exclusive Auto Insurance Agencies

Agents of this type can only quote rates from one company such as Allstate, AAA, Farmers Insurance, and State Farm. They are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are highly trained on their products and sales techniques which helps overcome the inability to quote other rates.

The following are exclusive agents in Indianapolis that are able to give price quote information.

5510 S East St dIndianapolis, IN 46227(317) 783-3127View Map

9423 Pendleton PikeIndianapolis, IN 46236(317) 897-6129View Map

5936 N Keystone Ave #201Indianapolis, IN 46220(317) 251-1400View Map

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Independent Insurance Agents

Independent agents can quote rates with many companies and that gives them the ability to insure through lots of different companies and help determine which has the cheapest rates. If premiums increase, your agent can just switch to a different company and you don’t have to switch agencies. When searching for an agent, you need to include rate quotes from independent agents for the best price selection.

Listed below is a short list of independent agencies in Indianapolis that are able to give price quotes.

2929 E 96th St Suite A.Indianapolis, IN 46240(317) 844-3049View Map

8604 Allisonville Rd #210Indianapolis, IN 46250(317) 841-6004View Map

1433 N Meridian StIndianapolis, IN 46202(317) 377-1100View Map

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