The most effective way to get low-cost Dodge Viper insurance in Long Beach is to start comparing prices regularly from insurers who can sell car insurance in California. Prices can be compared by completing these steps.
- First, gain an understanding of the different coverages in a policy and the measures you can control to keep rates down. Many rating criteria that increase rates like at-fault accidents, careless driving, and your credit history can be amended by making minor changes to your lifestyle. Read the full article for instructions to keep prices down and find more discounts that you may not know about.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple sources.
- Third, compare the quotes to the price on your current policy to see if cheaper Viper coverage is available. If you can save money and change companies, ensure there is no coverage lapse between policies.
A good tip to remember is to try to use similar coverage information on every price quote and and to compare as many different companies as possible. This helps ensure an apples-to-apples comparison and a better comparison of the market.
Remarkably, a study showed that over 70% of drivers have stayed with the same insurance company for at least four years, and practically 40% of auto insurance customers have never shopped around. Many consumers in Long Beach could save almost 35% a year by just shopping around, but they don’t believe the big savings they would realize if they replace their high priced policy.
Low Cost companies for Dodge Viper insurance in California
The companies shown below offer comparison quotes in Long Beach, CA. To find cheaper auto insurance in CA, it’s highly recommended you compare several of them in order to get a fair rate comparison.
Rate information and statistics
The rate table shown next highlights a range of prices for Dodge Viper models. Having a better idea how policy rates are formulated can assist in making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $378 | $866 | $416 | $24 | $124 | $1,808 | $151 |
| Viper SRT/10 2-Dr Roadster | $378 | $866 | $416 | $24 | $124 | $1,808 | $151 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Prices do not factor in your specific Long Beach location which can increase or decrease price quotes significantly.
Physical damage deductibles
The hardest decision when buying coverage is how high should your deductibles be. The following tables determine the price difference between low and high comp and collision deductibles. The first data set uses a $250 deductible for physical damage and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $606 | $1294 | $442 | $26 | $132 | $2,525 | $210 |
| Viper SRT/10 2-Dr Roadster | $606 | $1294 | $442 | $26 | $132 | $2,525 | $210 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $374 | $814 | $442 | $26 | $132 | $1,788 | $149 |
| Viper SRT/10 2-Dr Roadster | $374 | $814 | $442 | $26 | $132 | $1,788 | $149 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can revise coverage prices noticeably.
Based on these figures, using a $250 deductible will cost you about $61 more each month or $732 every year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 12 months between claims, you would more than likely save some money by selecting a higher deductible.
The information below illustrates how your choice of deductibles and can change Dodge Viper annual premium costs for different categories of driver ages. The premium estimates are based on a married female driver, full coverage, and no discounts are taken into consideration.
Impact of violations and accidents on rates
The chart below demonstrates how citations and fender-benders drive up Dodge Viper insurance costs for different age groups of insureds. The premiums are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Dodge Viper insurance costs by gender and age
The illustration below visualizes the comparison of Dodge Viper car insurance rates for male and female drivers. The information is based on no claims or violations, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Dodge Viper liability-only versus full coverage
The chart below visualizes the comparison of Dodge Viper insurance premiums with full coverage compared to only the California minimum liability coverage. The rates are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are applied.
When to drop comprehensive and collision
There is no set guideline to stop paying for comp and collision coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s say your Dodge Viper claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying your policy deductible. If it’s costing in excess of $500 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are a few cases where buying only liability insurance is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Dodge Viper insurance discounts in Long Beach
Companies offering auto insurance do not advertise all their discounts very clearly, so the following is a list of some of the best known and the harder-to-find credits available to bring down your rates. If you check and find you aren’t receiving every discount you deserve, you could be paying more than you need to.
- Good Student Discount – Maintaining excellent grades can save 20 to 25%. The good student discount can last well after school through age 25.
- Federal Employees – Employees or retirees of the government can save as much as 8% depending on your auto insurance provider.
- Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off the medical payments premium.
- Accident Forgiveness – Not really a discount, but companies like Progressive and Allstate will forgive one accident without getting socked with a rate hike so long as you are claim-free before the accident.
- Military Deployment Discount – Being on active duty in the military could qualify you for better premium rates.
- Discount for Multiple Policies – If you insure your home and vehicles with one company you will save up to 20% off your total Viper insurance premium.
- Distant Student Discount – Children who live away from home to go to college and leave their car at home can receive lower rates.
- E-sign Discounts – A few auto insurance companies will discount your bill up to fifty bucks for signing up on the internet.
- Defensive Driver Discount – Taking time to complete a safe driver course could cut 5% off your bill depending on where you live.
- Early Switch Discount – Select companies give a discount for buying a new policy prior to your current Viper insurance policy expiring. It could save around 10% when you buy Long Beach car insurance online.
Don’t be shocked that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will help reduce the cost of coverage.
The diagram below shows the comparison of Dodge Viper premium costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, marriage, multi-policy, and safe-driver discounts applied.
A list of auto insurance companies and some of their more popular discounts include:
- GEICO has discounts for emergency military deployment, anti-theft, five-year accident-free, federal employee, anti-lock brakes, and air bags.
- MetLife has savings for defensive driver, good student, good driver, multi-policy, claim-free, accident-free
- Progressive policyholders can earn discounts including multi-policy, good student, online quote discount, homeowner, continuous coverage, and multi-vehicle.
- Travelers may offer discounts for IntelliDrive, home ownership, save driver, driver training, early quote, payment discounts, and new car.
- SAFECO discounts include multi-car, safe driver, teen safe driver, bundle discounts, and anti-lock brakes.
- AAA may have discounts that include multi-policy, education and occupation, anti-theft, good student, pay-in-full, AAA membership discount, and good driver.
Before purchasing a policy, check with every prospective company what discounts are available to you. Depending on the company, some discounts might not be available to policyholders in Long Beach. For a list of providers with discount rates in Long Beach, follow this link.
You may need advice from an insurance agent
A lot of people would prefer to go talk to an agent and that can be a smart move Insurance agents can make sure you are properly covered and will help you if you have claims. An additional benefit of getting free rate quotes online is that you can obtain cheap auto insurance rates and still buy from a local agent. And supporting neighborhood insurance agencies is important particularly in Long Beach.
By using this quick form, the coverage information gets sent to local insurance agents in Long Beach who will give you quotes for your auto insurance coverage. It makes it easy because there is no need to contact any insurance agencies as quotes are delivered to your email. If you want to get a rate quote from a particular provider, you would need to visit that company’s website and fill out their quote form.
The difference between Long Beach auto insurance agents
If you would like to find a local Long Beach insurance agency, there are a couple of types of agencies and how they can quote your rates. Auto insurance agents in Long Beach are either independent (non-exclusive) or exclusive. Both types can write policy coverage, but it’s important to know the subtle differences because it can impact the type of agent you choose.
Independent Insurance Agents
Agents of this type are not locked into one company and that enables them to quote your coverage with multiple insurance companies and potentially find a lower price. If your premiums go up, an independent agent can move your coverage and you won’t have to switch agencies.
When comparison shopping, you should always compare prices from several independent insurance agents in order to have the best price comparison. Most independent agents also contract with small regional insurance companies that may provide cheaper auto insurance rates.
Listed below is a partial list of independent insurance agencies in Long Beach that can give you competitive price quotes.
- Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181 – View Map - Amico Insurance Agency
100 Oceangate #1200 – Long Beach, CA 90802 – (562) 628-5553 – View Map - Lanterman Insurance Agency, Inc.
5318 E 2nd St #643 – Long Beach, CA 90803 – (562) 743-1607 – View Map
Exclusive Agents
Agents that choose to be exclusive can only provide pricing for a single company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to shop your coverage around so they really need to provide good service. Exclusive insurance agents are very knowledgeable in insurance sales which can be an advantage. Consumers often purchase coverage from exclusives mostly because of loyalty to the company and solid financial strength.
The following are exclusive insurance agents in Long Beach that are able to give comparison quotes.
- Farmers Insurance: Edward Reyes
1424 W Willow St – Long Beach, CA 90810 – (562) 427-7030 – View Map - Farmers Insurance: Kimberly Terrell
4425 Atlantic Ave – Long Beach, CA 90807 – (310) 567-7726 – View Map - Vali De Vries – State Farm Insurance Agent
1777 N Bellflower Blvd #111 – Long Beach, CA 90815 – (562) 494-7700 – View Map
Finding the right auto insurance agent needs to be determined by more than just the quoted price. Get answers to these questions too.
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Will your rates increase after a single accident?
- Do they see any coverage gaps in your plan?
- How much will you save each year by using a higher deductible?
- Do they write coverage based solely on cost?
If you get positive responses to any questions you have and affordable Dodge Viper insurance rates in Long Beach quotes, most likely you have located an insurance agent that will provide auto insurance coverage.
Will just any policy work for me?
When it comes to choosing your policy, there really isn’t a “perfect” insurance plan. You are unique so your insurance should reflect that
For example, these questions may help you determine if your situation will benefit from professional help.
- Are there any extra discounts I can get?
- Does my policy cover my teen driver if they drive my company car?
- Do I need higher collision deductibles?
- Is there coverage for injuries to my pets?
- Is extra glass coverage worth it?
- Am I covered if I wreck a rental car?
- Is my babysitter covered when using my vehicle?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.
Car insurance 101
Understanding the coverages of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.
Collision coverage protection
Collision insurance pays for damage to your Viper from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things like colliding with a tree, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also increase the deductible on your Viper to get cheaper collision coverage.
Auto liability
Liability coverage can cover damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 15/30/5 that means you have a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as repair bills for other people’s vehicles, medical services, legal defense fees, loss of income and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible. California state minimum liability requirements are 15/30/5 but drivers should carry more coverage.
The illustration below demonstrates why buying low liability limits may not provide you with enough coverage.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as theft, rock chips in glass, fire damage and a broken windshield. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Uninsured Motorist or Underinsured Motorist insurance
This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Dodge Viper.
Since a lot of drivers have only the minimum liability required by law (which is 15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like X-ray expenses, nursing services and pain medications. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Smart consumers save more
You just learned many ways to get a better price on Dodge Viper insurance in Long Beach. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a lesser-known regional company. These companies may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.
Lower-priced auto insurance in Long Beach is available from both online companies in addition to many Long Beach insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not have the ability to get a quote online and most of the time these small, regional companies provide coverage only through independent insurance agencies.
While you’re price shopping online, don’t be tempted to reduce needed coverages to save money. In many instances, someone dropped full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the best possible price, but do not skimp to save money.
To read more, link through to these articles:
- Senior Drivers (Insurance Information Institute)
- Who Has Affordable Long Beach Auto Insurance for Drivers Requiring a SR22? (FAQ)
- How Much is Long Beach Car Insurance for Immigrants? (FAQ)
- Information for Teen Drivers (GEICO)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Crash Avoidance Technologies FAQ (iihs.org)