If you want to save the most money, the best way to find more affordable auto insurance rates in Boston is to compare prices at least once a year from companies in Massachusetts.
Step 1: Get an understanding of how insurance companies determine prices and the modifications you can make to keep rates down. Many policy risk factors that cause high rates such as high-risk driving behaviors and a poor credit score can be controlled by making lifestyle changes or driving safer.
Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while independent agencies can give you price quotes for a wide range of companies.
Step 3: Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
A key point to remember is to use the same liability limits and deductibles on each quote request and and to get price estimates from as many car insurance companies as possible. This enables a fair rate comparison and maximum price selection.
Unbelievable but true according to a study the vast majority of drivers kept buying from the same company for over three years, and nearly the majority have never even compared rates from other companies. Boston drivers could save $588 each year by just comparing rate quotes, but they mistakenly think it’s difficult to find cheap rates by getting comparison quotes.
Companies offering low-cost Dodge Viper price quotes in Boston, MA
The companies shown below can provide quotes in Boston, MA. To find the best car insurance in Massachusetts, we recommend you compare several of them to find the most affordable auto insurance rates.
The premium information below showcases detailed analysis of insurance premium costs for Dodge Viper models. Learning a little about how auto insurance prices are formulated can help you make 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||$392||$970||$314||$18||$94||$1,788||$149|
|Viper SRT/10 2-Dr Roadster||$392||$970||$314||$18||$94||$1,788||$149|
|Get Your Own Custom Quote Go|
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Table data does not factor in specific Boston garaging location which can modify coverage rates significantly.
Dodge Viper insurance costs by gender and age in Boston
The information below shows the difference between Dodge Viper insurance costs for male and female drivers. The data is based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Does it make sense to buy full coverage?
The chart below shows the comparison of Dodge Viper premium costs with liability coverage only compared to full coverage. The rate quotes are based on no claims or driving citations, $100 deductibles, drivers are not married, and no discounts are applied.
When to stop buying full coverage
There isn’t a written rule for excluding physical damage coverage, but there is a general school of thought. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Dodge Viper replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying the physical damage deductible. If premium cost is more than $200 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are some cases where removing full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Do you qualify for discounts on Dodge Viper insurance in Boston?
Insurance is not inexpensive, but you may find discounts to reduce the price significantly. Certain credits will be shown when you quote, but a few must be manually applied before you get the savings. If you do not double check each discount you deserve, you are paying more than you should be.
- Resident Student – Kids who live away from home to go to college and do not take a car to college may be insured at a cheaper rate.
- Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% with certain companies.
- One Accident Forgiven – This isn’t a discount exactly, but some insurance companies will forgive one accident before your rates go up if you have no claims for a certain period of time.
- Fewer Miles Equal More Savings – Low annual miles could qualify for lower insurance rates due to less chance of an accident.
- Buy New and Save – Buying insurance coverage on a new vehicle may earn a small discount since new vehicles have better safety ratings.
- Policy Bundle Discount – When you have multiple policies with the same insurance company you may save at least 10% off all policies.
As a sidenote, most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.
The illustration below shows the difference between Dodge Viper insurance premiums with and without policy discounts. The premium estimates are based on a male driver, no claims or violations, Massachusetts state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, homeowner, multi-policy, and multi-car discounts applied.
Large insurance companies and a summarized list of policyholder discounts are detailed below.
- AAA may include discounts for anti-theft, AAA membership discount, good driver, good student, multi-policy, multi-car, and pay-in-full.
- Progressive may offer discounts for online signing, continuous coverage, good student, multi-vehicle, online quote discount, multi-policy, and homeowner.
- State Farm policyholders can earn discounts including safe vehicle, passive restraint, defensive driving training, Steer Clear safe driver discount, and accident-free.
- Esurance includes discounts for online quote, homeowner, defensive driver, good driver, safety device, Pac-12 alumni, and multi-car.
- Nationwide offers premium reductions for accident-free, business or organization, multi-policy, Farm Bureau membership, and family plan.
If you are trying to find the cheapest Dodge Viper rate quotes, ask every insurance company which credits you are entitled to. Some credits might not be offered everywhere. To locate companies that provide some of the discounts listed above in Massachusetts, follow this link.
Smart Buyers Can Save Money
Many things are part of the calculation when quoting car insurance. Some factors are common sense like an MVR report, although some other factors are not quite as obvious like your vehicle usage or how safe your car is.
Never allow your coverage to lapse – Having a gap between insurance policy dates can be a quick way to drive up your policy premiums. In addition to paying higher premiums, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license. You may need to file a SR-22 with the Massachusetts motor vehicle department.
Get a ticket, pay higher costs – Your driving record can have a huge impact on auto insurance premiums. Even a single citation can increase rates twenty percent or more. Attentive drivers get better rates as compared to those with violations. People who have multiple tickets like DUI or reckless driving may be required to submit a SR-22 form with their state in order to keep their license.
The information below demonstrates how speeding tickets and fender-benders can impact Dodge Viper annual premium costs for different ages of insureds. The costs are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are applied.
Infrequent drivers can save – The higher the miles on your Dodge every year the higher the price you pay to insure it. Most insurance companies rate vehicles based upon how much you drive. Cars and trucks that have low annual miles can be on a lower rate level as compared to vehicles used primarily for driving to work. A policy that improperly rates your Viper may be costing you. Verify your auto insurance policy is rated on how each vehicle is driven.
Lower performance equals lower insurance costs – The performance of the car you need insurance for makes a significant difference in determining your rates. Economy passenger vehicles generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
The chart below uses these assumptions: married male driver age 40, full coverage with $100 deductibles, and no discounts or violations. It shows Dodge Viper policy rates compared to other vehicles that have different performance rating factors.
Save money by eliminating add-on coverages – There are quite a few extra add-on coverages that can waste your money if you aren’t diligent. Coverages for personal injury protection, better glass coverage, and extra equipment coverage may not be needed and are just wasting money. They may seem good when you first buy your policy, but your needs may have changed so eliminate them to save money.
Your liability insurance limits – Your auto insurance policy’s liability coverage provides coverage when a court rules you are at fault for causing damage or personal injury in an accident. This coverage provides you with a defense in court starting from day one. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so do not skimp.
Insurance loss statistics a Dodge Viper – Insurance companies include the past claim history for a vehicle to help determine the price you pay. Models that the statistics show to have higher frequency or amount of claims will have increased rates.
The table below demonstrates the loss history for Dodge Viper vehicles. For each policy coverage type, the loss probability for all vehicles averaged together is set at 100. Values that are under 100 represent a good loss history, while numbers that are greater than 100 point to more claims or a tendency for losses to be larger than average.
|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
What if I want to buy from local Boston insurance agencies?
A lot of people just want to get professional advice from a licensed agent and that can be a great decision One of the great benefits of getting online price quotes is that drivers can save money and get lower rates and still buy from a local agent.
For easy comparison, once you complete this simple form, your insurance data is sent to local insurance agents who will return price quotes for your coverage. You never need to do any legwork due to the fact that quote results will go immediately to you. You can get cheaper auto insurance rates without requiring a lot of work. In the event you want to get a rate quote from a specific company, just jump over to their website to submit a rate quote request.
Choosing the best provider requires more thought than just the bottom line cost. Agents should be asked these questions:
- What are their preferred companies if they are an independent agency?
- How many years have they been established?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Does the agency have a positive business rating?
- What is the financial rating for the quoted company?
If you want to buy auto insurance from a reliable insurance agency, you must know there are a couple different agency structures from which to choose. Auto insurance policy providers can be classified as either independent agents or exclusive agents.
Exclusive Auto Insurance Agencies
Agents that choose to be exclusive write business for a single company and examples are State Farm or Allstate. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable on their company’s products which helps them sell on service rather than price.
The following are Boston exclusive agencies who can help you get price quotes.
Independent agencies are not locked into one company and that allows them to write policies through lots of different companies and find the cheapest auto insurance rates. If your agent finds better pricing, your policy is moved internally which makes it simple for you.
If you are comparing auto insurance prices, you need to get several quotes from several independent insurance agents to ensure the widest selection of prices.
Shown below are independent agents in Boston that are able to give price quote information.
What is YOUR best insurance company?
While you’re price shopping online, do not buy poor coverage just to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. Your goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.
The cheapest Dodge Viper insurance in Boston is available online as well as from independent agents in Boston, so get free Boston auto insurance quotes from both of them to have the best rate selection. Some companies may not have internet price quotes and many times these small, regional companies work with independent agents.
In this article, we covered many ideas to shop for Dodge Viper insurance online. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding affordable Boston auto insurance quotes. Consumers may even find the lowest auto insurance rates come from a small local company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.
Much more information about car insurance in Massachusetts is located at these links:
- Preventing Carjacking and Theft (Insurance Information Institute)
- Who Has the Cheapest Boston Auto Insurance Quotes for College Graduates? (FAQ)
- How Much are Boston Auto Insurance Quotes for Young Drivers? (FAQ)
- Red Light Cameras (State Farm)
- Child Safety Seats (Insurance Information Institute)