Want to learn how to find low-cost Dodge Viper insurance in Kansas City? Do you get exhausted from being strong-armed each month for car insurance? You have the same problem as millions of other vehicle owners.
Unbelievably, over 70% of drivers kept their policy with the same company for well over three years, and 38% of customers have never quoted car insurance rates at all. With the average premium in Missouri being $1,500, drivers could cut their rates by up to 25% a year by just comparing quotes, but they won’t spend time to find cheaper insurance by shopping around.
Many car insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest rate possible on Dodge Viper insurance in Kansas City.
Consumers should take time to do price comparisons as often as possible because prices trend upward over time. Just because you found the best rates on Dodge Viper insurance in Kansas City on your last policy you will most likely find a better premium rate today. Block out anything you think you know about car insurance because it’s time to teach you the proper way to lower your annual insurance bill.
Best companies for competitive Dodge Viper insurance in Missouri
The providers in the list below offer free quotes in Missouri. In order to find the cheapest auto insurance in Kansas City, it’s a good idea that you visit as many as you can to get the best price comparison.
Coverage analysis
The data table shown below covers a range of insurance policy prices for Dodge Viper models. Having a better understanding of how prices are figured can help drivers make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $398 | $1070 | $322 | $20 | $96 | $1,906 | $159 |
| Viper SRT/10 2-Dr Roadster | $398 | $1070 | $322 | $20 | $96 | $1,906 | $159 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in specific zip code location which can affect premiums significantly.
Physical damage deductible comparison
When comparing insurance rates, the most common question is the level to set your comp and collision deductibles. The premium rates below can help illustrate the difference in cost between high and low policy deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $406 | $930 | $266 | $16 | $80 | $1,723 | $144 |
| Viper SRT/10 2-Dr Roadster | $406 | $930 | $266 | $16 | $80 | $1,723 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $296 | $628 | $266 | $16 | $80 | $1,286 | $107 |
| Viper SRT/10 2-Dr Roadster | $296 | $628 | $266 | $16 | $80 | $1,286 | $107 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can revise coverage rates noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $37 more each month or $444 every year across all Dodge Viper models than opting for the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at least 11 months between claims, you would most likely save money going with the higher deductible.
Take policy discounts and save on Dodge Viper insurance in Kansas City
Car insurance companies do not advertise all their discounts in an easy-to-find place, so here is a list some of the best known and also the more inconspicuous discounts that may be available.
- Policy Bundle Discount – If you insure your home and vehicles and insure them both with the same insurance company you will save approximately 10% to 15%.
- ABS Braking Discount – Cars and trucks with ABS and/or traction control are much safer to drive and will save you 10% or more on Viper insurance in Kansas City.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
- Home Ownership Discount – Owning a home in Kansas City can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
- Discount for Low Mileage – Maintaining low annual mileage may allow you to get slightly better rates than normal.
- Driver’s Ed – Teen drivers should enroll in driver’s education in school.
- Discount for Good Grades – Excelling in school may save you up to 25%. The discount lasts well after school through age 25.
- Pay Upfront and Save – By making one initial payment as opposed to paying monthly you could save 5% or more.
You should keep in mind that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like you can get free auto insurance, car insurance companies aren’t that generous.
The information below compares Dodge Viper insurance rates with and without discounts applied to the premium. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, marriage, multi-policy, and claim-free discounts applied.
A few companies that possibly offer these money-saving discounts include:
When getting a coverage quote, ask each insurance company which discounts can lower your rates. Some credits might not apply in Kansas City.
The Dodge Viper Insurance Premium Equation
Multiple criteria are considered when you get your auto insurance bill. A few of the factors are predictable such as your driving history, although others are more obscure like your continuous coverage or your vehicle rating. Smart consumers have a good feel for a few of the rating criteria that go into determining your car insurance rates. If you understand what impacts premium levels, this enables you to make decisions that may result in better car insurance rates.
Your address can influence costs – Being located in smaller towns and rural areas of the country can be a good thing when buying car insurance. City drivers tend to have much more traffic and a longer drive to work. Fewer drivers corresponds to lower accident rates as well as less vandalism and auto theft.
Theft deterrents lowers prices – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms can help prevent car theft.
The more you drive the more you pay – Driving a lot of miles annually the more it will cost to insure it. Almost all companies apply a rate based upon how the vehicle is primarily used. Vehicles left parked in the garage get more affordable rates than vehicles that have high annual mileage. Having the wrong rating on your Viper may be wasting your money. Double check that your policy states the correct usage.
Do you really need roadside assistance? – Policies have extra add-on coverages that can add up if you aren’t diligent. Add-on coverages like rental car reimbursement, towing, and Farm Bureau memberships are examples of these. They may seem good when discussing your needs, but if you’ve never needed them in the past consider taking them off your policy.
More than one policy can earn a discount – Most insurance companies afford lower prices to people that purchase more than one policy such as combining an auto and homeowners policy. The discount can add up to as much as ten percent or more Even if you’re getting this discount it’s always a smart idea to compare other Kansas City Viper insurance rates to guarantee you are still saving the most.
Responsible drivers have lower rates – Getting just one citation may cause rates to rise by as much as twenty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers unfortunate enough to have dangerous tickets such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to drive a vehicle legally.
The example below illustrates how violations and accident claims can influence Dodge Viper auto insurance rates for each different age category. The rate quotes are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
Rates and vocation – Occupations such as judges, air traffic controllers, and financial analysts usually pay higher rates than average because of stressful work requirements and incredibly demanding work hours. Conversely, occupations like farmers, athletes and retirees receive lower rates.
Insurance loss data for Dodge Viper vehicles – Insurance companies include the past claim history for a vehicle when setting premium prices. Models that have high amounts or severity of claims will have a higher premium rate. The table shown below demonstrates the insurance loss data used by companies for Dodge Viper vehicles.
For each insurance policy coverage type, the loss probability for all vehicles combined as an average is set at 100. Values that are below 100 indicate better than average losses, while numbers shown that are more than 100 indicate a higher chance of having a claim or larger claims.
| Vehicle 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: Insurance Institute for Highway Safety for 2013-2015 Model Years
How do I know if I need professional advice?
When selecting insurance from an agent or online for your vehicles, there really is not a single plan that fits everyone. Your situation is unique.
These are some specific questions may help highlight whether you would benefit from an agent’s advice.
- Will my rates increase for filing one claim?
- Who does medical payments coverage extend to?
- When does my teenage driver need to be added to my policy?
- Do I need to file an SR-22 for a DUI in Missouri?
- How do I buy GAP insurance?
- Is my Dodge Viper covered for flood damage?
- Does medical payments coverage apply to all occupants?
- Are my company tools covered if they get stolen?
- Am I covered when driving on a suspended license?
If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.
What if I want to buy from local Kansas City auto insurance agents?
A lot of people still like to have an agent’s advice and doing that can be a smart decision An additional benefit of comparing insurance prices online is the fact that drivers can get cheap insurance quotes and still have a local agent. Buying from local agents is important especially in Kansas City.
By using this simple form, the coverage information gets sent to companies in Kansas City who will give competitive quotes for your insurance coverage. You won’t need to leave your computer since rate quotes are delivered instantly to you. You can find better rates without the usual hassles of price shopping. In the event you want to quote rates from a specific insurance company, feel free to find their quoting web page and give them your coverage information.
If you are wanting to find a reputable insurance agent or broker, it helps to know the two types of agencies and how they function. Insurance agents in Kansas City can be classified as either independent (non-exclusive) or exclusive.
Independent Agents
These type of agents often have affiliation with several companies and that allows them to write policies with any number of different companies and find the cheapest rate. To transfer your coverage to a different company, your agent can just switch to a different company without you having to go to a different agency.
When comparison shopping, you will definitely want to contact several independent agencies so that you have a good selection of quotes to compare.
Listed below is a small list of independent agencies in Kansas City that may be able to give price quote information.
Banuelos Insurance Agency LLC
902 Southwest Blvd – Kansas City, MO 64108 – (816) 994-3600 – View Map
Abbott Insurance Inc.
8117 N Oak Trafficway – Kansas City, MO 64118 – (816) 452-8810 – View Map
Fusion Insurance Agency
5920 Wilson Ave – Kansas City, MO 64123 – (816) 470-9050 – View Map
Exclusive Insurance Agents
Exclusive agencies write business for a single company and examples are Farmers Insurance and State Farm. Exclusive agents cannot compare rates from other companies so you might not find the best rates. Exclusive agents are highly trained on their company’s products which helps overcome the inability to quote other rates.
The following are Kansas City exclusive agents that are able to give comparison quotes.
Allstate Insurance: Donita Hunt
7501 NW Tiffany Springs Pkwy – Kansas City, MO 64153 – (816) 587-4181 – View Map
Etta McKenzie – State Farm Insurance Agent
11818 Blue Ridge Blvd – Kansas City, MO 64134 – (816) 861-8600 – View Map
Shelter Insurance – John Goodwin
11125 Locust St – Kansas City, MO 64131 – (816) 363-5848 – View Map
Finding the right auto insurance agent is decision based upon more than just the bottom line cost. Before buying a policy in Kansas City, get answers to these questions.
- Will their companies depreciate repairs to your car based on the mileage?
- Do you need full coverage on every vehicle?
- Do you work with a CSR or direct with the agent?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they receive special compensation for putting your coverage with one company over another?
- Can they provide you with a list of referrals?
- Do they regularly work with personal auto policies in Kansas City?
Kansas City car insurance companies ranked
Finding the highest-rated insurance company can be rather challenging considering how many companies sell insurance in Missouri. The company information in the next section can help you analyze which auto insurers you want to consider when shopping around.
Top 10 Kansas City Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- State Farm
- Liberty Mutual
- Allstate
- Safeco Insurance
- 21st Century
- Travelers
- Titan Insurance
Top 10 Kansas City Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Mercury Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
Affordable coverage is out there
Consumers switch companies for a variety of reasons including extreme rates for teen drivers, policy non-renewal, questionable increases in premium and even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new insurance company can be easier than you think.
We just covered a lot of ways to compare Dodge Viper insurance prices in Kansas City. It’s most important to understand that the more companies you get rates for, the higher your chance of finding cheaper Kansas City auto insurance quotes. Drivers may even discover the best price on insurance is with a company that doesn’t do a lot of advertising.
When you buy Kansas City auto insurance online, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where an insured dropped liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.
How to buy lower priced Dodge Viper insurance in Kansas City
If you want to save the most money, the best way to get cheaper Dodge Viper insurance is to make a habit of comparing prices annually from insurers who sell auto insurance in Kansas City. Prices can be compared by following these guidelines.
First, learn about how your policy works and the steps you can take to prevent expensive coverage. Many risk factors that drive up the price like tickets, at-fault accidents, and poor credit history can be controlled by paying attention to minor details.
Second, compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive or Allstate, while agents who are independent can give you price quotes from many different companies.
Third, compare the new rate quotes to your current policy and see if you can save money. If you find a lower rate, make sure coverage is continuous and does not lapse.
Fourth, notify your current company of your decision to cancel your current coverage and submit any necessary down payment along with the completed application for the new policy. As soon as you have the new policy, put the new proof of insurance certificate in your vehicle.
The key thing to know about shopping around is that you’ll want to make sure you compare the same level of coverage on each price quote and and to get price quotes from as many different insurance providers as possible. Doing this helps ensure a fair rate comparison and maximum price selection.
For more information, feel free to browse the resources below:
- Safe Vehicles for Teens (iihs.org)
- How Much are Auto Insurance Quotes for Drivers Over Age 70 in Kansas City? (FAQ)
- What Insurance is Cheapest for Real Estate Agents in Kansas City? (FAQ)
- What Insurance is Cheapest with Multiple Speeding Tickets in Kansas City? (FAQ)
- How Much is Kansas City Car Insurance for Felons? (FAQ)
- Who Has Cheap Car Insurance Quotes for First-time Drivers in Kansas City? (FAQ)
- Who Has Affordable Auto Insurance for Teenage Females in Kansas City? (FAQ)
- Who Has the Cheapest Kansas City Car Insurance Rates for a Jeep Grand Cherokee? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Company Car in Kansas City? (FAQ)
- How Much is Kansas City Auto Insurance for a Chevrolet Equinox? (FAQ)
- Who Has Affordable Kansas City Car Insurance for Ride Shares? (FAQ)
- How Much are Kansas City Auto Insurance Quotes for a Toyota Camry? (FAQ)
- How Much are Car Insurance Rates for a Hyundai Elantra in Kansas City? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Silverado in Kansas City? (FAQ)
- Who Has Affordable Kansas City Car Insurance Quotes for Young Drivers? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- Help Your Teen Be a Better Driver (State Farm)
- Winter Driving (Insurance Information Institute)