Cheap 2010 Dodge Viper Car Insurance Quotes

Trying to find better car insurance rates for your Dodge Viper? Expensive Dodge Viper insurance can take a big chunk out of your family’s budget and make it hard to pay other bills. Doing a price comparison is an excellent way to reduce premiums and put more money in your pocket.

You have so many insurance companies to insure vehicles with, and although it’s nice to be able to choose, lots of choices makes it harder to adequately compare rates.

Do you qualify for discounts?

Some insurance providers do not advertise all their discounts in an easy-to-find place, so the list below contains a few of the more common as well as the least known credits available to lower your premiums when you buy insurance coverage online.

  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on Viper insurance than drivers with accidents.
  • Professional Memberships – Affiliation with qualifying employment or professional organizations could qualify you for a break on your bill.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Waiver for an Accident – Not a discount per se, but a handful of insurance companies allow you one accident without the usual rate increase if you are claim-free for a set time period.
  • Data Collection Discounts – Drivers that enable their company to monitor when and where they use their vehicle remotely such as State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
  • Seat Belts Save – Forcing all vehicle occupants to use their safety belts could save 15% off the personal injury premium cost.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Sign Online – A handful of companies give back up to $50 for completing your application over the internet.
  • Life Insurance – If the company offers life insurance, you could get a lower rate if you buy a life policy as well.

As a sidenote, most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky.

A few of the larger companies and their possible discounts include:

  • Travelers offers premium reductions for new car, multi-car, student away at school, home ownership, good student, multi-policy, and IntelliDrive.
  • 21st Century may offer discounts for teen driver, student driver, theft prevention, automatic seat belts, and air bags.
  • State Farm offers discounts for passive restraint, good student, Steer Clear safe driver discount, safe vehicle, and driver’s education.
  • Geico has savings for multi-policy, defensive driver, seat belt use, federal employee, and military active duty.
  • SAFECO has discounts for teen safe driver, anti-lock brakes, accident prevention training, bundle discounts, and drive less.
  • AAA offers discounts including good student, pay-in-full, multi-policy, AAA membership discount, and multi-car.

It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts might not be offered on policies in your area.

Compare free auto insurance price quotes

When shopping for auto insurance there are multiple ways of comparing rates from auto insurance companies in your area. The easiest way to find the cheapest 2010 Dodge Viper insurance rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

  1. If you are pressed for time, the simplest way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This style of form prevents you from having to do separate forms for each company you want a rate for. Just one form compares rates from multiple companies.
  2. A harder way to compare rate quotes is going to each company website and fill out their own quote form. For examples sake, we’ll assume you are doing a rate comparison from Nationwide, Farmers and Geico. You would have to go to each individual site and type in your information over and over, which can take a lot of time. For a list of companies in your area, click here.
  3. The final way to compare price estimates is calling or driving to and from local insurance agencies. Buying insurance online makes this unnecessary unless you want the guidance that only a licensed agent can provide. Although you can get prices online and have a local agent actually service the policy.

The approach you take is up to you, just make sure you use identical quote information for every company. If you are comparing differing limits it’s not possible to determine which rate is truly the best. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when comparing auto insurance rates, know that comparing more company’s prices gives you a better chance of getting lower pricing.

Why your insurance premiums might be higher

Part of the auto insurance buying process is learning the different types of things that aid in calculating auto insurance rates. If you have some idea of what determines base rates, this enables informed choices that will entitle you to lower rates.

  • Auto insurance rates and your vocation – Do you have a high-stress occupation? Jobs such as military personnelairline pilots and dentists are shown to have higher premium rates due to intense work-related stress and lots of time spent at work. On the flip side, careers like scientists, students and retirees have the lowest average rates on Viper insurance.
  • How much liability insurance – The liability section of your policy provides coverage if ever you are responsible for damages caused by your negligence. Liability insurance provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Premiums drop with age – Drivers with little experience have been known to be more careless in a vehicle and because of this, their auto insurance rates are much higher. Mature drivers are shown to be more cautious, tend to file fewer claims .
  • Use credit responsibly and save – Your credit score factor in determining your rates. So if your credit rating could use some work, you could be paying less to insure your 2010 Dodge Viper if you clean up your credit. Insureds that have very good credit scores tend to be more responsible than drivers who have lower ratings.
  • Auto insurance policy lapses increase auto insurance rates – Driving without insurance coverage in place can get your license suspended and any future policy may cost more because you let your coverage have a gap. And not only will insurance be more expensive, not being able to provide proof of insurance could result in a license revocation or jail time. You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Getting married equates to better prices – Having a spouse actually saves money on auto insurance. Marriage is viewed as being less irresponsible and insurance companies reward insureds because drivers who are married file infrequent claims.
  • Cautious drivers pay lower premiums – Being a careful driver has a huge affect on how much you pay. Even one chargable violation can boost insurance rates to the point where it’s not affordable. Drivers who don’t get tickets get better rates than their less careful counterparts. Drivers who have multiple violations such as hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent their license from being revoked.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so this has to be addressed. For instance, these questions can aid in determining whether or not you would benefit from professional advice.

  • Does car insurance cover theft of personal property?
  • Can I still get insurance after a DUI?
  • Does my 2010 Dodge Viper need full coverage?
  • If my 2010 Dodge Viper is totaled, can I afford another vehicle?
  • How do I insure my teen driver?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my car insurance cover rental cars?
  • Is my nanny covered when driving my vehicle?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

The coverage is in the details

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from getting keyed, fire damage, hitting a bird and hitting a deer. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

Liability coverage protects you from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like attorney fees, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Viper.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses such as chiropractic care, surgery, rehabilitation expenses, dental work and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Save for a rainy day

As you quote insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where an insured dropped collision coverage and found out when filing a claim that it was a big error on their part. Your goal is to find the BEST coverage at the best cost and still be able to protect your assets.

The cheapest 2010 Dodge Viper insurance is available online as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some companies don’t offer rates over the internet and these regional insurance providers sell through independent agencies.

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