Affordable Lubbock Dodge Viper Insurance

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Insurance rates Dodge Viper in LubbockIf you want to find the absolute lowest rates, then the best way to find low-cost car insurance rates in Lubbock is to regularly compare quotes from insurers in Texas. You can compare rates by completing these steps.

  1. Take a little time to learn about what coverages are included in your policy and the modifications you can make to prevent high rates. Many rating criteria that cause high rates like traffic tickets, fender benders, and a poor credit score can be improved by making minor driving habit or lifestyle changes.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while agents who are independent can provide prices from multiple companies.
  3. Compare the new rates to your existing policy to see if you can save by switching companies. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Notify your current company of your decision to cancel your current auto insurance policy. Submit a completed application and payment to your new agent or company. Make sure you put the new proof of insurance certificate in an accessible location in your vehicle.

The critical component of shopping around is to use the same level of coverage on every price quote and and to get prices from all possible companies. Doing this ensures the most accurate price comparison and a thorough selection of prices.

Inconceivable but true, nearly 70% of customers have remained with the same car insurance company for at least the last four years, and approximately 38% of consumers have never even shopped around for affordable coverage. Many drivers in Texas could cut their rates by almost $1,800 a year just by comparing rates, but most tend to underestimate how much money they would save if they replace their high priced policy.

Buying cheaper coverage in Lubbock is easy if you know what you're doing. If you're already insured or just want a better rate, you can use this information to reduce the price you pay while maximizing coverage. Smart shoppers only need to know the fastest way to compare price quotes on the web.

Discount Lubbock car insurance quotes

Some providers do not list every discount in an easy-to-find place, so the below list has some of the more common in addition to some of the lesser obvious discounts that you may qualify for. If you check and find you aren't receiving every discount you deserve, you are throwing money away.Save money with discounts

  • Discounts for Federal Employees - Having worked for a branch of the government can earn a discount up to 10% depending on your car insurance provider.
  • Senior Citizen Discount - Older drivers may be able to get a small decrease in premiums.
  • Payment Discounts - By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
  • Anti-lock Brakes - Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents so you can save 10 percent or more.
  • Seat Belts Save - Requiring all passengers to use their safety belts can save 10% or more on medical payment and PIP coverage.
  • Discounts for Cautious Drivers - Insureds who avoid accidents may save up to 50% more than their less cautious counterparts.
  • Military Discounts - Having a family member in the military could mean lower rates.
  • Student in College - Children who attend college more than 100 miles from Lubbock and won't have access to an insured vehicle may be insured at a cheaper rate.

Don't be shocked that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. Even though it appears all those discounts means the company will pay you, you aren't that lucky.

The information below compares Dodge Viper car insurance costs with and without discounts applied to the premium. The rates are based on a male driver, no claims or violations, Texas 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 multi-car, claim-free, marriage, multi-policy, safe-driver, and homeowner discounts applied.

A few popular companies and some of the discounts include:

  • 21st Century offers discounts for early bird, theft prevention, homeowners, good student, defensive driver, 55 and older, and teen driver.
  • Progressive offers premium reductions for multi-policy, online signing, good student, multi-vehicle, homeowner, online quote discount, and continuous coverage.
  • State Farm has savings for student away at school, safe vehicle, anti-theft, defensive driving training, driver's education, Drive Safe & Save, and good student.
  • Nationwide offers discounts including family plan, good student, accident-free, Farm Bureau membership, and easy pay.
  • Esurance may offer discounts for emergency road assistance, Pac-12 alumni, multi-car, DriveSense, and anti-theft.
  • The Hartford policyholders can earn discounts including air bag, anti-theft, good student, driver training, and defensive driver.

When comparing rates, check with each company to give you their best rates. Depending on the company, some discounts might not be offered on policies in Lubbock.

Finding cheap auto insurance prices is surprisingly easy. You just need to spend a little time to compare rate quotes from some recommended companies.

The companies in the list below are our best choices to provide price comparisons in Lubbock, TX. In order to find cheap auto insurance in Lubbock, we suggest you visit as many as you can in order to get a fair rate comparison.

Insurance statistics for a Dodge Viper

The table shown next outlines estimates of coverage costs for Dodge Viper models. Having insight into how insurance policy rates are calculated can be useful when making informed decisions when shopping around for a new policy.

Dodge Viper Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $448 $1148 $430 $26 $128 $2,180 $182
Viper SRT/10 2-Dr Roadster $448 $1148 $430 $26 $128 $2,180 $182
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Table data does not factor in garaging location in Lubbock which can increase or decrease premium rates greatly.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for insurance is what deductibles to buy. The comparison tables below highlight how much more rates are when you select higher and lower coverage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Dodge Viper insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $582 $1330 $382 $22 $114 $2,455 $205
Viper SRT/10 2-Dr Roadster $582 $1330 $382 $22 $114 $2,455 $205
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 $322 $702 $382 $22 $114 $1,542 $129
Viper SRT/10 2-Dr Roadster $322 $702 $382 $22 $114 $1,542 $129
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in your specific Lubbock location which can lower or raise prices considerably.

Using the data above, we can ascertain that using a $100 deductible costs about $76 more each month or $912 annually across all Dodge Viper models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 12 months between claim filings, you would save money if you choose the higher deductible.

How accidents and tickets impact rates in Lubbock

The example below demonstrates how speeding tickets and at-fault claims influence Dodge Viper insurance prices for each different age category. The premiums assume a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Liability only or full coverage

The diagram below visualizes the comparison of Dodge Viper yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no accidents, no driving violations, $100 deductibles, single status, and no discounts are applied.

When to buy liability coverage only

There is no written rule to eliminate physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's assume your Dodge Viper book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying your policy deductible. If it's costing in excess of $700 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some cases where only buying liability is not a good idea. If you have an outstanding 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 if your current one is in an accident, you should not eliminate full coverage.

You are unique and your insurance should be too

When quoting and comparing coverage, there really isn't a single plan that fits everyone. You are unique.Higher deductibles save money

For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Is my cargo covered for damage or theft?
  • Which companies are cheaper for teen drivers?
  • What is the premium to book value ratio for dropping full coverage?
  • Does insurance cover damages from a DUI accident?
  • Is coverage enough to protect my assets?
  • What if I owe more than I can insure my car for?

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It's fast, free and can provide invaluable advice.

Exclusive versus independent auto insurance agents

Certain consumers just prefer to have an agent's advice and that is recommended in a lot of cases Professional agents are highly skilled in risk management and will help you if you have claims. One of the benefits of comparing insurance prices online is that you can find the lowest rates and still buy from a local agent. Buying insurance from small agencies is important particularly in Lubbock.

Insurance agency in LubbockAfter filling out this quick form, your coverage information is sent to local insurance agents who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won't have to even leave your home since rate quotes are delivered immediately to your email address. If you want to get a comparison quote from a specific insurance company, you can always go to their quote page and give them your coverage information.

Compare rates from both independent and exclusive auto insurance agents

If you are searching for a local insurance agency, there are two types of insurance agents and how they can write your policy. Agents in Lubbock can be categorized as either independent or exclusive. Both write policy coverage, but it's worth learning the difference in the companies they write for because it may have an impact on the kind of agent you use.

Independent Agents

These agents can quote rates with many companies and that allows them to write policies through lots of different companies and help determine which has the cheapest rates. If your premiums go up, they simply move the coverage in-house and that require little work on your part. If you are comparing insurance prices, it's recommended you contact several independent agencies to maximize your price options. They often place coverage with smaller mutual companies which could offer lower prices.

Listed below is a small list of independent agencies in Lubbock that can possibly get you free insurance rate quotes.

More insurance agents

Exclusive Insurance Agents

Exclusive insurance agents write business for a single company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to compare other company's rates so they have to upsell other benefits. Exclusive insurance agents are very knowledgeable on their company's products and that enables them to sell even at higher rates. Drivers often choose to use an exclusive agent partially due to the prominence of the brand and solid financial strength.

Shown below is a short list of exclusive insurance agencies in Lubbock willing to provide comparison quotes.

More insurance agents

Choosing an auto insurance agent requires you to look at more than just a low price. Any agent in Lubbock should be willing to answer these questions.

  • How long has their agency been in business in Lubbock?
  • What is the agency's Better Business Bureau rating?
  • Can glass claims be handled at your home?
  • Will the quote change when the policy is issued?
  • Do they reduce claim amounts on high mileage vehicles?

After you get good answers to all your questions and an acceptable price quote, it's a good possibility that you have found an insurance agency that will insure your vehicles. But remember, you can terminate coverage at any time so don't think that you are obligated to any specific company for the full policy term.

What is the best car insurance company in Texas?

Selecting the right auto insurance provider can be challenging considering how many companies provide coverage in Texas. The company information in the lists below can help you choose which coverage providers you want to consider when comparing rate quotes.

Top 10 Lubbock Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Top 10 Lubbock Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Find cheaper rates by being thorough

Cheaper car insurance in Lubbock can be purchased both online as well as from independent agents in Lubbock, so you need to shop Lubbock auto insurance with both to get a complete price analysis. Some companies may not have rates over the internet and most of the time these smaller companies work with independent agencies.

As you quote Lubbock auto insurance, it's a bad idea to skimp on coverage in order to save money. There are too many instances where an insured cut full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at the best possible price while still protecting your assets.

In this article, we covered a lot of ways to lower your Dodge Viper insurance auto insurance rates in Lubbock. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may even discover the lowest priced car insurance comes from a lesser-known regional company.

Even more information can be read in these articles: