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.

Insurance for Dodge ViperA 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.

Dodge Viper Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $260 $616 $378 $22 $114 $1,390 $116
Viper SRT/10 2-Dr Roadster $614 $1152 $516 $30 $154 $2,466 $206
Get Your Own Custom Quote Go

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.

Dodge Viper insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $538 $1152 $394 $24 $118 $2,251 $188
Viper SRT/10 2-Dr Roadster $538 $1152 $394 $24 $118 $2,251 $188
Get Your Own Custom Quote Go

Dodge Viper insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $332 $724 $394 $24 $118 $1,592 $133
Viper SRT/10 2-Dr Roadster $332 $724 $394 $24 $118 $1,592 $133
Get Your Own Custom Quote Go

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.Save money with discounts

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.

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.Drive safe and save
For instance, these questions can help discover whether you could use an agent’s help.

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.

Insurance agency in AtlantaOnce 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.

1100 Cir 75 Pkwy SE #140Atlanta, GA 30339(800) 634-2903View Map

Cascade Heights Insurance Agency
833 Cascade Ave SW eAtlanta, GA 30311(404) 758-7811View Map

2987 Clairmont Rd #425Atlanta, GA 30329(404) 633-6332View Map

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.

3355 Lenox Rd NE #230Atlanta, GA 30326(404) 816-3276View Map

2240 Fairburn Rd SWAtlanta, GA 30331(404) 344-9777View Map

3133 Maple Dr NE Ste 100Atlanta, GA 30305(404) 477-5500View Map

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.

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.

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