Auto Insurance Quotes for a Dodge Viper in Chula Vista

To save the most money, the best way to get more affordable Dodge Viper insurance is to start doing an annual price comparison from different companies in Chula Vista.

1. Try to understand individual coverages and the things you can control to keep rates in check. Many risk factors that result in higher rates like traffic citations, accidents, and a bad credit rating can be amended by making minor changes to your lifestyle. Read the full article for tips to get cheaper rates and find missing discounts.
2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agencies can give you price quotes for many different companies.
3. Compare the new quotes to your current policy and determine if there is any savings. If you can save money and switch companies, make sure coverage does not lapse between policies.

The key aspect of shopping around is to compare the same level of coverage on every price quote and and to compare as many companies as feasibly possible. Doing this ensures a fair price comparison and plenty of rates choose from.

A study showed that most consumers kept their coverage with the same auto insurance company for four years or more, and nearly the majority have never compared auto insurance rates at all. Consumers in Chula Vista can save hundreds of dollars each year just by shopping around, but they underestimate the rate savings if they changed companies.

Buy Chula Vista Dodge Viper insurance online

All the larger auto insurance companies provide pricing direct online. Doing online price comparisons for Dodge Viper insurance in Chula Vista is quite easy because you just enter the coverages you want into the form. After the form is submitted, their rating system makes automated requests for your credit score and driving record and provides a quote.

Being able to quote online for Dodge Viper insurance in Chula Vista helps simplify price comparisons, and it’s also necessary to do this in order to find the best auto insurance rates.

To save time and compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you copy your coverages identical to your current policy. This makes sure you’re receiving a price comparison using the exact same coverages.

The providers in the list below provide quotes in California. To find cheap car insurance in Chula Vista, we recommend you visit several of them to get the best price comparison.

Rates and statistics

The table shown next highlights a range of coverage costs for Dodge Viper models. Learning how insurance prices are established can assist in making decisions when shopping your coverage around.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price information does not factor in vehicle garaging location which can lower or raise insurance rates noticeably.

Can higher deductibles save money?

When buying car insurance, a common question is which deductibles should you choose. The tables below may help you to understand the costs and benefits when you choose different coverage deductibles. The first set of rates uses a $100 deductible and the second price grid uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific location which can influence insurance rates substantially.

We can derive from the above data that using a $100 deductible would cost the average driver about $88 more each month or $1056 annually than opting for the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 10 months between claims, you would save more money if you elect the higher deductible. The illustration below shows the way you can do this calculation yourself.

One important caveat is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you have a claim. You need to have some money saved in order to pay the deductible for vehicle repair.

Cost comparison with and without full coverage

The information below illustrates the comparison of Dodge Viper insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no claims or driving violations, $1,000 deductibles, drivers are single, and no discounts are applied.

Guidelines for eliminating full coverage

There is no definitive formula of when to phase out full coverage, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s say your Dodge Viper replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are paying in excess of $400 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some conditions where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.

Why you need Viper insurance in California

Despite the potentially high cost of Dodge Viper insurance, insurance is most likely required but also gives you several important benefits.

• Almost all states have mandatory insurance requirements which means state laws require a specific level of liability coverage in order to license the vehicle. 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.
• If you have a lien on your Dodge Viper, almost every bank will make it a condition of the loan that you buy insurance to guarantee payment of the loan. If the policy lapses, the bank may buy a policy for your Dodge at an extremely high rate and require you to fork over for the much more expensive policy.
• Auto insurance protects both your Dodge and your assets. It will also pay for medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of carrying enough insurance more than cancel out the cost, especially for larger claims. According to a 2015 survey, the average American driver is currently overpaying as much as $700 annually so it’s recommended you shop around at every policy renewal to ensure rates are competitive.

Discount Chula Vista insurance rates

Insurance is not an enjoyable expense, but you may qualify for discounts that can dramatically reduce your bill. A few discounts will be applied when you quote, but lesser-known reductions have to be specially asked for prior to getting the savings. If you don’t get every credit possible, you are just wasting money.

• Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
• Good Students Pay Less – Performing well in school may save as much as 25% on a Chula Vista car insurance quote. Many companies even apply the discount to college students up to age 25.
• Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
• Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for lower premium rates.
• Military Deployment Discount – Being on active deployment in the military may lower your rates slightly.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. Despite the fact that it seems like you can get free auto insurance, insurance companies aren’t that generous.

The diagram below illustrates the difference between Dodge Viper insurance rates with and without discounts applied to the policy premium. The data is based on a female driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, multi-policy, claim-free, and homeowner discounts applied.

To see a list of companies that can offer you the previously mentioned discounts in California, follow this link.

Local neighborhood insurance agents

Some consumers just prefer to go talk to an agent and that is just fine! One of the great benefits of comparing insurance online is that you can obtain the lowest rates but also keep your business local.

Upon completion of this quick form, your insurance coverage information is emailed to local insurance agents in Chula Vista who will give competitive quotes for your coverage. You won’t need to leave your computer as quotes are delivered straight to your inbox. You can find the lowest rates and an insurance agent to talk to. If for some reason you want to compare rates from a particular provider, don’t hesitate to go to their quote page and submit a quote form there.

Finding the right insurer should depend on more than just the bottom line cost. Here are some questions you might want to ask.

• Do they have cheaper tiers of coverage?
• Is there a 24/7 contact number?
• Do you work with a CSR or direct with the agent?
• How often do they review coverages?
• Has the agent ever had any license suspensions?
• Are they paid to recommend certain coverages?

If you want to use a local insurance agency, it’s important to understand the different types of agencies and how they differ in how they quote coverages. Agencies in Chula Vista can be categorized as either exclusive or independent.

Exclusive Insurance Agents

Agents of this type normally can only provide a single company’s rates such as American Family, State Farm, and Allstate. Exclusive agencies are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are usually quite knowledgeable on the products they sell which aids in selling service over price. Some people will only buy from the same agent for years primarily because of the brand legacy rather than low rates.

The following are exclusive agents in Chula Vista that can give you price quote information.

• State Farm: Cynthia Stojeba
  46 3rd Ave B – Chula Vista, CA 91910 – (619) 425-1403 – View Map
• Allstate Insurance: Candy Raya
  985 Broadway j – Chula Vista, CA 91911 – (619) 691-8111 – View Map
• Allstate Insurance: Steven F Hovland
  88 Bonita Rd Ste D – Chula Vista, CA 91910 – (619) 425-9400 – View Map

View more Chula Vista agents

Independent Agents (or Brokers)

Agents of this type are normally appointed by many insurers so they can insure your vehicles through lots of different companies and find you cheaper rates. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to do anything. When shopping rates, you absolutely need to compare prices from several independent insurance agents to have the most options to choose from. They also have the ability to place coverage with smaller regional carriers that may have much lower rates than larger companies.

Below are independent agents in Chula Vista willing to provide rate quotes.

• Adriana’s Insurance Services
  1090 3rd Ave #5 – Chula Vista, CA 91911 – (619) 591-1540 – View Map
• Mercury Insurance Agency est. 1966
  40 Third Ave – Chula Vista, CA 91910 – (619) 427-2662 – View Map
• California Brokerage Insurance
  355 K St – Chula Vista, CA 91911 – (619) 420-8888 – View Map

View more Chula Vista agents

Auto insurance coverages

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability insurance

Liability coverage will cover damage that occurs to a person or their property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 15/30/5 which stand for $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property.

Liability coverage pays for things like structural damage, medical services and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible. California state law requires minimum liability limits of 15/30/5 but you should consider buying better liability coverage.

The next chart demonstrates why buying the state minimum limits may not be enough.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Viper.

Since many California drivers only carry the minimum required liability limits (which is 15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like prosthetic devices, funeral costs, EMT expenses and X-ray expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, theft, a broken windshield and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This covers damage to your Viper from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible on your Viper in order to get cheaper collision rates.

Cheap auto insurance rates are out there

Throughout this article, we presented many ways to save on Dodge Viper insurance in Chula Vista. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the biggest savings come from a small mutual company.

Consumers change insurance companies for any number of reasons including not issuing a premium refund, delays in paying claims, an unsatisfactory settlement offer and even poor customer service. It doesn’t matter what your reason, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

When searching for inexpensive Chula Vista car insurance quotes, do not skimp on coverage in order to save money. There have been many situations where an insured dropped physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

More information is located at these links:

• Property Damage Coverage (Liberty Mutual)
• Who Has the Cheapest Car Insurance for Government Employees in Chula Vista? (FAQ)
• Who Has Cheap Auto Insurance Rates for a 20 Year Old Female in Chula Vista? (FAQ)
• How Much are Auto Insurance Quotes for Lyft Drivers in Chula Vista? (FAQ)
• What is Gap Insurance? (Insurance Information Institute)
• Drunk Driving Statistics (Insurance Information Institute)