Really, the only way to find cheaper quotes for car insurance rates is to start doing an annual price comparison from providers who provide auto insurance in Cleveland. Rates can be compared by completing these steps.
- Read and learn about auto insurance and the measures you can take to drop your rates. Many things that result in higher rates such as at-fault accidents and a poor credit score can be eliminated by improving your driving habits or financial responsibility. This article provides ideas to get cheaper coverage and find hidden discounts.
- Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and State Farm, while independent agencies can provide prices for a wide range of insurance providers. Get quotes now
- Compare the new rates to your existing rates to see if switching to a new carrier will save money. If you find better rates and buy the policy, ensure coverage does not lapse between policies.
- Notify your current company to cancel your existing policy and submit the application along with any required down payment to your new carrier. As soon as coverage is bound, store the proof of insurance certificate with your registration paperwork.
A key point to remember is to make sure you’re comparing the same coverage limits and deductibles on each quote request and and to get price quotes from every company you can. Doing this guarantees a fair rate comparison and a thorough selection of prices.
Unimaginable but true, most car insurance policyholders have been with the same company for four years or more, and almost 40% of drivers have never quoted car insurance rates at all. With the average car insurance premium being $1,300, Cleveland drivers can cut their rates by almost $729 a year by just comparing quotes, but they won’t spend time to find cheap rates by getting comparison quotes.
If you currently have a car insurance policy, you should be able to lower your rates using the ideas covered in this article. Choosing the best rates in Cleveland is really quite simple as long as you have a good starting point. But Ohio vehicle owners need to learn how big insurance companies determine what you pay because rates are impacted by many factors.
Companies offering Dodge Viper insurance in Cleveland
The companies in the list below can provide free rate quotes in Cleveland, OH. If you want to find the best cheap auto insurance in Cleveland, we suggest you visit several of them in order to get a fair rate comparison.
Rates and information analytics
The premium information displayed below highlights detailed analysis of rate quotes for Dodge Viper models. Having insight into how insurance quotes are calculated can help you make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $268 | $650 | $238 | $14 | $72 | $1,242 | $104 |
| Viper SRT/10 2-Dr Roadster | $268 | $650 | $238 | $14 | $72 | $1,242 | $104 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in specific garaging location which can increase or decrease rates noticeably.
The information below shows how choosing a deductible and can raise or lower Dodge Viper insurance premiums for different categories of driver ages. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Careless Cleveland drivers pay higher rates
The diagram below illustrates how violations and accident claims can increase Dodge Viper car insurance rates for different categories of driver ages. Data assumes a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
Dodge Viper annual premiums for males versus females
The illustration below compares Dodge Viper annual premium costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, single marital status, and no discounts are applied.
Rate difference between full and liability-only coverage
The information below illustrates the difference between Dodge Viper car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The price estimates are based on no claims or driving violations, $500 deductibles, single marital status, and no discounts are applied to the premium.
Should you pay for full coverage?
There is no definitive rule of when to drop physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s assume your Dodge Viper replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after the deductible is paid. If it’s costing you more than $400 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to carry full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
Earn discounts to get lower-cost Cleveland car insurance rates
Some insurers don’t always list every available discount in an easy-to-find place, so we took the time to find both the well known and also the more inconspicuous discounts you could be receiving when you buy Cleveland car insurance online.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
- Theft Deterrent System – Cars and trucks with anti-theft systems help deter theft and earn discounts up to 10% off your Cleveland car insurance quote.
- Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
- E-sign Discounts – A handful of insurance companies give back up to $50 get Cleveland car insurance on their website.
- New Car Discount – Buying insurance on a new vehicle can save you some money because new vehicles have to meet stringent safety requirements.
- ABS Brakes – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and the ABS can save up to 10%.
- Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it can save substantially.
- Accident Forgiveness Coverage – Not really a discount, but certain companies will allow you to have one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to being involved in the accident.
- Claim-Free Discount – Good drivers with no accidents can save substantially when compared to accident-prone drivers.
Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way.
The illustration below visualizes the comparison of Dodge Viper insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no accidents, no driving violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, safe-driver, and marriage discounts applied.
To choose insurance companies that offer some of these discounts in Cleveland, click here.
Local Cleveland insurance agencies
Some people prefer to get advice from a local agent and that can be a great decision The biggest benefit of price shopping on the web is that you can obtain cheap rate quotes and still buy from a local agent. And buying from neighborhood insurance agencies is especially important in Cleveland.
Upon completion of this form (opens in new window), your insurance data is instantly submitted to agents in your area who can give free rate quotes to get your business. You won’t even need to find an agent on your own because prices are sent immediately to you. It’s the lowest rates without a big time investment. If for some reason you want to get a price quote from one company in particular, you would need to find their quoting web page and give them your coverage information.
If you’re trying to find a local agent, it can be helpful to understand the types of agencies and how they work. Agencies in Cleveland may be either exclusive or independent.
Independent Insurance Agents
Agents that elect to be independent are appointed with more than one company so as a result can place your coverage with a variety of different insurance companies and help determine which has the cheapest rates. If they find a lower price, they can switch companies in-house and you stay with the same agent. When searching for an agent, we highly recommend that you check rates from at least one independent agent to have the best price comparison.
Shown below is a short list of independent agents in Cleveland who may provide price quotes.
Independent Insurance Agency of Ohio
2310 Superior Ave #215 – Cleveland, OH 44114 – (216) 472-8000 – View Map
A Better Insurance Services
20660 Aurora Rd – Cleveland, OH 44146 – (216) 475-6800 – View Map
United Agencies
1422 Euclid Ave # 900 – Cleveland, OH 44115 – (216) 696-8044 – View Map
Exclusive Agencies
Exclusive agents can only provide pricing for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare rates from other companies so always compare other rates. Exclusive agencies are well trained on the products they sell which can be an advantage.
Shown below is a short list of exclusive agencies in Cleveland that are able to give comparison quotes.
Allstate Insurance: Nanci Cieckiewicz
4719 State Rd – Cleveland, OH 44109 – (216) 739-0990 – View Map
Dick McClement – State Farm Insurance Agent
2700 W 25th St – Cleveland, OH 44113 – (216) 621-3723 – View Map
Robin Gorman – State Farm Insurance Agent
16812 Chagrin Blvd – Shaker Heights, OH 44120 – (216) 283-0080 – View Map
Finding a good insurance agency is decision based upon more than just the quoted price. The questions below may impact your decision as well.
- How often do they review policy coverages?
- Does their agency support local causes in Cleveland?
- What insurance companies do they work with in Cleveland?
- Do they specialize in personal lines coverage in Cleveland?
- Do they carry Errors and Omissions coverage?
- Will high miles depreciate repair valuations?
- Does the agent recommend any additional coverage?
Learn about car insurance coverages for a Dodge Viper
Learning about specific coverages of car insurance aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most car insurance policies.
Coverage for uninsured or underinsured drivers – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many Ohio drivers only carry the minimum required liability limits (25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these limits are similar to your liability insurance amounts.
Comprehensive car insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like damage from flooding, a broken windshield, vandalism, damage from a tornado or hurricane and hail damage. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability insurance – This protects you from damage or injury you incur to other people or property. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability coverage pays for things such as medical services, pain and suffering and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford. Ohio requires drivers to carry at least 25/50/25 but drivers should carry better liability coverage.
The illustration below shows why minimum state limits may not provide adequate coverage.
Collision – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as rolling your car, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible on your Viper to save money on collision insurance.
Coverage for medical expenses – Med pay and PIP coverage provide coverage for immediate expenses like EMT expenses, dental work, doctor visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Ohio car insurance companies
Picking a highly-rated company can be difficult considering how many different companies sell coverage in Cleveland. The company ratings below could help you pick which companies to look at when comparing rate quotes.
Top 10 Cleveland Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
Quote more to save more
As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at the best possible price while not skimping on critical coverages.
We just presented a lot of tips how to shop for Dodge Viper insurance online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding inexpensive Cleveland car insurance quotes. You may even find the most savings is with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate, GEICO and Progressive.
More information can be read at these links:
- Should I Buy a New or Used Car? (Allstate)
- Who Has Cheap Auto Insurance Quotes for 16 Year Olds in Cleveland? (FAQ)
- Who Has Cheap Car Insurance Rates for 17 Year Olds in Cleveland? (FAQ)
- How Much is Car Insurance for a Chevrolet Equinox in Cleveland? (FAQ)
- Side Impact Crash Tests (iihs.org)
- How to Avoid Common Accidents (State Farm)