Find Affordable Dodge Viper Insurance in Greensboro

Are you tired of overpaying and want the cheapest insurance rates in Greensboro, NC? Greensboro buyers have a choice when searching for affordable Dodge Viper insurance. You can either waste hours calling around getting price quotes or use the internet to compare rates.

There is a better way to shop for insurance so we’re going to tell you the proper way to price shop coverage on a Dodge and find the cheapest rates from Greensboro insurance agents and online providers.

Finding cheaper insurance prices isn’t really that difficult. Consumers just need to take a few minutes comparing free Greensboro auto insurance quotes from online providers.

The auto insurance companies shown below have been selected to offer free rate quotes in Greensboro, NC. If your goal is to find cheap car insurance in Greensboro, NC, it’s a good idea that you get prices from several of them to find the most affordable auto insurance rates.

Three main reasons to buy car insurance

Despite the high insurance cost for a Dodge Viper in Greensboro, insuring your vehicle may not be optional for several reasons.

• The majority of states have minimum liability requirements which means the state requires a minimum amount of liability protection in order to drive the car. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your Viper, most banks will stipulate that you buy insurance to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank will be required to insure your Dodge for a much higher rate and force you to pay for the much more expensive policy.
• Car insurance preserves not only your car but also your financial assets. It will also provide coverage for medical bills for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the repair costs.

The benefits of having car insurance greatly outweigh the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver overpays as much as $865 each year so compare rate quotes at every policy renewal to ensure rates are competitive.

Coverage information

The coverage information shown next outlines detailed analysis of policy rates for Dodge Viper models. Learning how auto insurance premiums are formulated can help drivers make decisions on which coverage to buy.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in zip code location which can increase or decrease prices substantially.

Policy deductibles

When comparing insurance rates, the most common question is what deductibles to buy. The comparisons below can help illustrate the cost difference between high and low policy deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in vehicle location which can impact auto insurance rates considerably.

Based on the data above, we can derive that using a $250 deductible will cost you about $35 more each month or $420 for a full year than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 21 months between claim filings, you would probably save some money if you elect the higher deductible.

The illustration below illustrates how your deductible choice and can increase or decrease Dodge Viper insurance rates for each age group. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are applied.

Lower rate quotes on Dodge Viper insurance in Greensboro with these ten insurance discounts

Insurance is expensive, but there’s a good chance there are discounts that many consumers don’t even know exist. Some discounts will apply when you purchase, but some need to be specifically requested in order for you to get them.

• Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and therefore earn up to a 10% discount.
• Switch and Save Discount – Select insurance companies give a discount for switching companies before your current expiration date. It can save you around 10%.
• Federal Government Employee – Employees or retirees of the government could cut as much as 10% off but check with your company.
• Discounts for Multiple Vehicles – Buying insurance for multiple vehicles with the same company can get a discount for every vehicle.
• Distant Student Discount – Kids who are enrolled in higher education away from home and do not take a car to college could get you a discount.
• Responsible Drivers – Insureds who avoid accidents may receive a discount up to 45% than drivers with accident claims.
• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you can avoid monthly service charges.
• Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you could get a discount of over 10 percent off each policy depending on the company.
• Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Claim Free – Drivers with accident-free driving histories can save substantially in comparison with policyholders that have many claims.

One last thing about discounts, many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. Even though the math looks like all the discounts add up to a free policy, it’s just not the way it works.

The diagram below visualizes the comparison of Dodge Viper insurance rates with and without discounts applied to the rates. The costs are based on a male driver, no claims or driving citations, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, safe-driver, homeowner, and multi-policy discounts applied.

Some of the larger companies that possibly offer many of the previously listed discounts include:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

If you are trying to find affordable Greensboro auto insurance quotes, ask each company or agent to apply every possible discount. Some of the discounts discussed earlier might not apply in your state. To see a list of providers who offer cheap Dodge Viper insurance quotes in Greensboro, follow this link.

Shop online but buy locally

A small number of people prefer to visit with an insurance agent. Most agents can point out coverage gaps and help file insurance claims. The biggest benefit of comparing car insurance online is the fact that you can find better rates and still choose a local agent. And providing support for neighborhood agents is important particularly in Greensboro.

Upon completion of this form (opens in new window), the coverage information is immediately sent to insurance agents in Greensboro who will return price quotes to get your business. You don’t have to do any legwork because quoted prices will be sent to your email. If you wish to compare rates for a specific company, you just need to go to their quote page and submit a quote form there.

When searching for a good Greensboro insurance agent, it’s helpful to know the types of agencies that you can select. Agencies in Greensboro can be classified as either independent or exclusive. Either can sell affordable car insurance policies, but it’s worth mentioning how they differ since it can impact buying decisions.

Independent Car Insurance Agencies

These agents are not employed by one company and that gives them the ability to insure with any number of different companies enabling the ability to shop coverage around. If premiums increase, the agent simply finds a different carrier and you can keep the same agent. If you need cheaper car insurance rates, you need to get some free quotes from several independent insurance agents to ensure the widest selection of prices. Many write coverage with smaller mutual companies which can save you money.

Featured below is a list of independent agencies in Greensboro that can give you competitive price quotes.

• Barnett-Smith Insurance
  218 N Eugene St – Greensboro, NC 27401 – (336) 272-4554 – View Map
• Nationwide Insurance – Young Insurance Agency Inc
  2100 W Cornwallis Dr, Ste O – Greensboro, NC 27408 – (336) 288-8000 – View Map
• Latorre Insurance
  4131 Spring Garden St – Greensboro, NC 27407 – (336) 609-7027 – View Map

View more agents

Exclusive Car Insurance Agents

Exclusive agencies generally can only insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot shop your coverage around so they really need to provide good service. They are well schooled on what they offer which helps offset the inability to provide other markets. Consumers sometimes buy from exclusive agents mainly due to the prominence of the brand rather than low price.

Shown below are Greensboro exclusive agents that are able to give price quote information.

• Pam White – State Farm Insurance Agent
  2608 Oakcrest Ave – Greensboro, NC 27408 – (336) 282-1111 – View Map
• State Farm: Eddie Collins
  5709 W Market St – Greensboro, NC 27409 – (336) 854-1044 – View Map
• Barry Morgan – State Farm Insurance Agent
  2001 N O Henry Blvd Srv Rd b – Greensboro, NC 27407 – (336) 294-3894 – View Map

View more agents

Picking an auto insurance agent requires you to look at more than just a cheap price quote. These questions are important to ask:

• Will they take your side in the event of a claim?
• How much can you save by raising your physical damage deductibles?
• Which members of your family are coverage by the policy?
• Do they carry Errors and Omissions coverage?
• Does the quote include credit and driving reports?
• Do you qualify for any additional discounts?
• Do the companies they represent have a solid financial rating?

How to find a good Greensboro auto insurance company

Insuring your vehicle with a highly-rated auto insurance provider can be a challenge considering how many companies sell insurance in North Carolina. The rank data shown next may help you decide which auto insurance companies to look at comparing rates from.

Top 10 Greensboro Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Top 10 Greensboro Car Insurance Companies Ranked by Customer Service

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

Insurance coverage breakdown

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like hospital visits, surgery, dental work, X-ray expenses and chiropractic care. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Liability coverages

This coverage can cover damages or injuries you inflict on other’s property or people. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 30/60/25 which means $30,000 in coverage for each person’s injuries, a limit of $60,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things like pain and suffering, loss of income and emergency aid. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford. North Carolina state minimum liability requirements are 30/60/25 but drivers should carry more coverage.

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

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a bird, falling objects and fire damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

This covers damage to your Viper caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible on your Viper to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Viper.

Since many North Carolina drivers carry very low liability coverage limits (which is 30/60/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Cheap rates are available

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced physical damage coverage to discover at claim time that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Some insurance companies may not have online price quotes and these smaller providers work with independent insurance agencies. Budget-friendly insurance in Greensboro can be found online as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.

Insureds switch companies for any number of reasons including poor customer service, policy non-renewal, unfair underwriting practices and even an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company can be pretty painless.

Steps to buying lower priced Dodge Viper insurance in Greensboro

If you want to save money, the best way to find low-cost prices for Dodge Viper insurance in Greensboro is to start doing an annual price comparison from providers that insure vehicles in North Carolina. Drivers can shop around by following these guidelines.

• Step 1: Spend a few minutes and learn about how auto insurance works and the things you can change to prevent expensive coverage. Many factors that cause rate increases like accidents, careless driving, and an imperfect credit history can be amended by being financially responsible and driving safely.
• Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or Allstate, while independent agents can quote rates for many different companies.
• Step 3: Compare the new quotes to the price on your current policy and see if you can save money. If you can save money, ensure coverage does not lapse between policies.

One key aspect of rate comparisons is to make sure you’re comparing the same level of coverage on each price quote and and to get price quotes from as many auto insurance providers as possible. Doing this provides a fair price comparison and a complete price analysis.

Much more information about insurance in North Carolina is located below:

• Insurance losses by make and model (Insurance Institute for Highway Safety)
• How Much is Greensboro Auto Insurance for a Chevrolet Silverado? (FAQ)
• How Much is Car Insurance for 18 Year Olds in Greensboro? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Inexperienced Drivers in Greensboro? (FAQ)
• Who Has the Cheapest Greensboro Car Insurance Rates for 17 Year Olds? (FAQ)
• Who Has the Cheapest Auto Insurance for a Honda CR-V in Greensboro? (FAQ)
• Who Has Cheap Auto Insurance for Drivers with a Bad Driving Record in Greensboro? (FAQ)
• Airbag FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Institute)
• Teen Driver Licensing Information (iihs.org)