Insurance for Dodge ViperDo you want low-cost Dodge Viper insurance in Fort Collins? Sick and tired of robbing Peter to pay Paul to insure your Dodge every month? You're in the same situation as many other Colorado consumers.

Remarkably, a study showed that nearly 70% of customers kept buying from the same company for at least the last four years, and 38% of customers have never compared quotes from other companies. American consumers could save themselves almost $859 a year just by comparing rates, but most undervalue the benefits if they bought a different policy.

You have so many auto insurance companies to pick from, and even though it's nice to have multiple companies, it can be more difficult to find the lowest cost provider for Dodge Viper insurance in Fort Collins.

You should make it a habit to compare premium rates as often as possible because prices change frequently. Despite the fact that you may have had the best deal on Dodge Viper insurance in Fort Collins a couple years back other companies may now be cheaper. Forget all the misinformation about auto insurance because you're about to learn the best way to get good coverage on Dodge Viper insurance in Fort Collins at a lower rate.

Best companies for Dodge Viper insurance

The companies shown below are our best choices to provide free rate quotes in Fort Collins, CO. If multiple providers are shown, we suggest you visit as many as you can in order to get a fair rate comparison.

Dodge Viper Insurance Cost Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $514 $1386 $456 $28 $136 $2,520 $210
Viper SRT/10 2-Dr Roadster $256 $666 $396 $24 $118 $1,460 $122
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price information does not factor in specific Fort Collins garaging location which can modify rates greatly.

How violations and accidents impact rates

The information below highlights how traffic violations and at-fault claims influence Dodge Viper car insurance costs for different age categories. The costs are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Higher deductibles save money

The information below demonstrates how deductible levels and can raise or lower Dodge Viper annual premium costs for different age groups of insureds. Data assumes a single female driver, full physical damage coverage, and no discounts are applied to the premium.

Full coverage or liability only

The illustration below visualizes the comparison of Dodge Viper auto insurance costs when comparing full coverage to state minimum liability only. The prices are based on no claims or driving violations, $250 deductibles, single female driver, and no policy discounts are applied.

Are you wasting money on full coverage?

There isn't a steadfast formula of when to phase out physical damage insurance, but there is a general convention. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's say your Dodge Viper book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after paying your deductible. If you are paying over $300 annually for your policy with full coverage, then it's probably a good time to buy liability coverage only.

There are some scenarios where removing full coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Discount Fort Collins insurance quotes

Companies that sell car insurance do not list every disount available very well, so we break down both well-publicized and the more hidden credits that may apply to you.

Discounts reduce rates, but you should keep in mind that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think you can get free auto insurance, companies don't profit that way. Any qualifying discounts will cut the cost of your policy.

A few popular companies and their offered discounts are:

It's a good idea to ask every company the best way to save money. Depending on the company, some discounts might not apply in your state. To choose insurance companies that offer multiple discounts in Colorado, click this link.

Your insurance coverage should be tailored to you

Always remember that when buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique.

For example, these questions may help you determine whether you could use an agent's help.

If you can't answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Buying from insurance agencies

Some people still prefer to sit down and talk to an agent and that is not a bad decision An additional benefit of getting online price quotes is that drivers can save money and get better rates and also buy local.

Insurance agents in Fort CollinsTo help locate an agent, after submitting this simple form, the coverage information is instantly submitted to participating agents in Fort Collins that can provide free Fort Collins car insurance quotes to get your business. It makes it easy because there is no need to contact an agency since rate quotes are delivered immediately to you. You'll get the best rates without a big time investment. If you need to quote rates for a specific company, you would need to jump over to their website and give them your coverage information.

Selecting an insurance company is decision based upon more than just a low price. Here are some questions you might want to ask.

Independent or Exclusive: It's your choice

If you want to buy car insurance from a local agent, it's helpful to know the different agency structures from which to choose. Car insurance agents in Fort Collins can be classified as either exclusive or independent agents depending on their company appointments.

Exclusive Car Insurance Agencies

Agents in the exclusive channel can usually just insure with one company like State Farm or Allstate. These agents are not able to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents receive extensive training on their company's products which helps them sell insurance even at higher premiums.

Below is a list of exclusive agencies in Fort Collins who can help you get comparison quotes.

1136 E Stuart St #2220 - Fort Collins, CO 80525 - (970) 223-2911 - View Map

1090 E Elizabeth St - Fort Collins, CO 80524 - (970) 493-1888 - View Map

3307 S College Ave - Fort Collins, CO 80525 - (970) 223-2219 - View Map

More Fort Collins agents

Independent Agents

Agents of this type can quote rates with many companies and that gives them the ability to insure with many different companies and find you the best rates. If they find a lower price, an independent agent can move your coverage and you don't have to switch agencies. If you are comparing rate quotes, we recommend you include rate quotes from several independent agencies to ensure the widest selection of prices.

The following are independent insurance agencies in Fort Collins who can help you get comparison quotes.

525 N Denver Ave - Loveland, CO 80537 - (970) 622-9734 - View Map

1531 Riverside Ave - Fort Collins, CO 80524 - (970) 223-7611 - View Map

1719 E Mulberry St - Fort Collins, CO 80524 - (970) 663-5811 - View Map

More Fort Collins agents

If you feel you receive satisfactory answers for all questions you ask and locked in a price quote, it's possible that you found an auto insurance agent that is reliable enough to properly insure your vehicles. Just understand that you can always cancel a policy whenever you choose to so don't feel that you are obligated to the car insurance policy for the entire policy term.

Big names are not always cheapest

Popular auto insurance providers such as State Farm and Allstate continually stream television and radio advertisements. They all seem to make the promise that people will save if you move your auto insurance policy to them. How does each company make almost identical claims? Just pay attention to how they say it.

Many companies provide the lowest rates for the type of insured that will be a good risk. A good example of a desirable risk might have to be between the ages of 30 and 45, has a clear driving record, and has a high credit rating. Any customer who matches that profile will get the preferred premium rates in Fort Collins and will probably save when switching.

Drivers who don't meet this ideal profile may be required to pay higher prices which translates to the customer not purchasing. Company advertisements say "drivers who switch" not "everyone that quotes" save that much when switching. That is how companies can make claims like that. This really emphasizes why you really should do a quote comparison often. It's not possible to predict which auto insurance company will provide you with the cheapest Dodge Viper insurance in Fort Collins.

Shop around and save

You just read many ideas to lower your Dodge Viper insurance car insurance rates in Fort Collins. It's most important to understand that the more providers you compare, the better likelihood of getting low cost Fort Collins car insurance quotes. Consumers may even find the biggest savings come from some of the smallest insurance companies.

As you quote Fort Collins car insurance, make sure you don't sacrifice coverage to reduce premiums. In many cases, an insured cut liability coverage limits and discovered at claim time that it was a big error on their part. Your aim should be to buy a smart amount of coverage at an affordable rate.

Discount Dodge Viper insurance in Fort Collins can be bought both online as well as from independent agents in Fort Collins, so you need to quote Fort Collins car insurance with both in order to have the best chance of saving money. Some insurance providers may not offer the ability to get a quote online and these smaller companies only sell through independent agencies.

Additional resources