Has it been over a year since you last compared quotes for lower-priced Dodge Viper insurance in Columbia? If price shopping Columbia auto insurance quotes online is new to you, it's easy to get confused by the sheer number insurance agents and companies all advertising big savings for Dodge Viper insurance in Columbia.

Discount Dodge Viper insuranceAstonishing but true, most consumers renewed their policy with the same company for at least the last four years, and nearly half have never shopped around. Many consumers in South Carolina could pocket nearly $749 a year, but they just don't understand the amount of savings they would get if they replace their high priced policy.

You need to do price comparisons as often as possible because rates fluctuate regularly. Just because you found the lowest premium rates on Dodge Viper insurance in Columbia last year the chances are good that you can find a lower price today. Don't believe everything you read about Viper insurance on the web, but in a few minutes you can learn some great ideas on how to lower your car insurance rates in Columbia.

Choosing the best insurance company for you in Columbia is not that difficult as long as you know where to start. Nearly every driver who is overpaying for auto insurance most likely will find a lower-cost policy. Although South Carolina consumers must understand the way insurance companies sell online and take advantage of how the system works.

Affordable Dodge insurance rate quotes in Columbia

The companies shown below have been selected to offer comparison quotes in Columbia, SC. If multiple companies are shown, we suggest you visit as many as you can in order to find the lowest rates.

Dodge Viper Insurance Cost Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $532 $998 $448 $26 $134 $2,138 $178
Viper SRT/10 2-Dr Roadster $364 $910 $444 $26 $132 $1,876 $156
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in specific location which can change auto insurance rates substantially.

Physical damage deductibles: Should you raise them?

The illustration below illustrates how your choice of deductibles and can raise or lower Dodge Viper insurance costs for each age group. The premiums assume a single female driver, full physical damage coverage, and no other discounts are factored in.

Analysis of deductible levels

When comparing auto insurance rates, the most common question is what deductibles to buy. The following tables lay out the rate fluctuation between high and low physical damage deductibles. The first data set uses a $250 physical damage deductible and the second data table uses a $500 deductible.

Dodge Viper insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $468 $998 $342 $20 $102 $1,955 $163
Viper SRT/10 2-Dr Roadster $468 $998 $342 $20 $102 $1,955 $163
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Dodge Viper insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $380 $806 $342 $20 $102 $1,650 $138
Viper SRT/10 2-Dr Roadster $380 $806 $342 $20 $102 $1,650 $138
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in your specific Columbia location which can modify premium rates greatly.

Based on the above data, using a $250 deductible will cost you about $25 more each month or $300 every year than choosing the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 10 months between claim filings, you would save money if you choose a higher deductible. Here is an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $163
Average monthly premium for $500 deductibles (subtract): - $138
Monthly savings from raising deductible: $25
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 10 months

One thing to note is that a higher deductible results in more money out-of-pocket when you have a physical damage claim. You will want to have some extra savings in the event you have to pay the deductible to have repairs made.

Discounts for lower-cost auto insurance rates

Some insurance providers don't necessarily list all available discounts very clearly, so the next list breaks down both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Columbia auto insurance online.Auto insurance discounts

Discounts save money, but please remember that many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way.

A partial list of companies that have most of these discounts may include but are not limited to:

If you are trying to find affordable Columbia auto insurance quotes, ask every company to give you their best rates. Some credits may not apply to policyholders in every state.

How Insurance Companies Determine Dodge Viper Insurance Premiums

Lots of things are part of the equation when you get a price on insurance. Some of the criteria are obvious like an MVR report, but other factors are more transparent such as your marital status or your vehicle rating. When buying insurance it's important to understand the different types of things that go into determining the rates you pay for insurance. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with better insurance rates.

The itemized list below are a partial list of the pieces utilized by car insurance companies to help set rates.

Never go without insurance - Not having insurance can get you a ticket and insurance companies will penalize you for letting your coverage have a gap. In addition to paying higher rates, failure to provide proof of insurance might get you a license revocation or jail time.

Liability protection is peace of mind - Liability insurance will protect you when you are found to be at fault for physical damage or personal injury to other. Liability provides legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to comp and collision, so buy as much as you can afford.

Marriage is a factor - Walking down the aisle may save some money on your insurance policy. Having a spouse demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because married couples file fewer claims.

Long commutes cost more - The higher the miles on your Dodge every year the higher your rates will be. A lot of companies calculate rates based upon how the vehicle is primarily used. Cars that are left in the garage receive better premium rates than vehicles that are driven to work every day. Improper usage on your Viper is throwing money out the window. It's a good idea to make sure your vehicle rating reflects the proper vehicle usage.

Dodge Viper claim probability - Auto insurance companies take into consideration historical loss data for every vehicle to calculate a rate that will offset losses. Models that statistically have higher number or severity of losses will be charged more to insure. The data below shows the loss history for Dodge Viper vehicles.

For each policy coverage, the claim amount for all vehicles averaged together is considered to be 100. Percentages below 100 indicate a favorable loss history, while values over 100 point to more claims or tendency to have higher losses.

Dodge Viper Insurance Claim Statistics

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Dodge Viper 2dr 147

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

You are unique and your auto insurance should be too

When buying the best auto insurance coverage, there isn't really a single plan that fits everyone. Your financial needs are unique and your auto insurance should unique, too.Safe vehicles cost less to insure For example, these questions could help you determine whether you will benefit from professional help.

If it's difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Exclusive or independent auto insurance agents

Many drivers would prefer to get advice from a local agent and that is OK! One of the great benefits of price shopping on the web is you may find cheap rate quotes but also keep your business local.

Insurance agents in ColumbiaUpon completion of this form (opens in new window), your insurance data is transmitted to insurance agents in Columbia who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to search for an agent because prices are sent to you. You'll get the best rates without requiring a lot of work. If you wish to get a price quote from a specific company, you would need to visit that company's website to submit a rate quote request.

Finding the right insurance company should include more criteria than just a cheap quote. Any agent in Columbia should be forthright in answering these questions:

Do you need an independent or exclusive auto insurance agent?

If you want to use a local agent, there are a couple of different types of agents and how they can service your needs differently. Auto insurance agents can be classified as either exclusive or independent.

Exclusive Insurance Agencies

Agents in the exclusive channel can only place business with one company such as American Family, State Farm, and Allstate. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents receive a lot of sales training on the products they sell which helps overcome the inability to quote other rates. A lot of people choose to use a exclusive agent partially due to the brand and solid financial strength.

Below are Columbia exclusive agents that are able to give rate quotes.

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Independent Agents

Agents that choose to be independent often have affiliation with several companies so they can insure your vehicles through many companies and potentially find a lower price. If they find a cheaper price, your agent can just switch to a different company which requires no work on your part.

When comparing rates, we recommend you get rate quotes from several independent agencies to have the best price comparison. Many can place coverage with less well-known companies which could offer lower prices.

Below are Columbia independent insurance agencies that can give you comparison quotes.

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Auto insurance buyers beware

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. All the ads state the claim that drivers will save a bundle if you just switch to them. Is it even possible that every company can sell you cheaper insurance coverage? Here is how they do it.

Companies look for specific characteristics for the type of customer they prefer to insure. A good example of this type of insured should be over the age of 40, has no tickets, and has excellent credit. Someone that fits those parameters gets the lowest car insurance rates and will also save some money.

Consumers who fall outside the "perfect" profile will see more expensive rates which translates to the customer buying from a different company. Company advertisements say "customers who switch" but not "all drivers who get quotes" will save that much if they switch. That is how companies can truthfully make claims that they all have the best car insurance rates. Because of these techniques, drivers should get Columbia auto insurance quotes from several different companies. It is impossible to predict which insurance companies will give you lower rates than your current company.

Cover all your bases

You just learned many tips how you can find lower-cost Dodge Viper insurance in Columbia. The most important thing to understand is the more you quote Columbia auto insurance, the higher the chance of saving money. Drivers may even discover the lowest premium rates are with some of the smallest insurance companies. They can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

As you quote Columbia auto insurance, don't be tempted to buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice physical damage coverage only to find out that the small savings ended up costing them much more. Your goal should be to get the best coverage possible for the lowest price, but don't skip important coverages to save money.

Lower-priced insurance in Columbia is available both online and with local Columbia insurance agents, and you should compare rates from both to have the best selection. A few companies do not provide rates over the internet and many times these smaller companies work with independent insurance agents.

For more information, feel free to browse the resources below: