2010 Dodge Viper Insurance Rates – 6 Savings Tips

Trying to find lower car insurance rates for your Dodge Viper? Are you a victim of high-priced car insurance? Believe me when I say you are not the only one feeling buyer’s remorse. Many insurance companies vie to insure your vehicles, so it can be very hard to choose a insurance company to discover the definitive best rates possible.

Consumers need to check car insurance prices periodically because insurance rates tend to go up over time. Just because you found the lowest price for Viper coverage two years ago you may be paying too much now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

If you have insurance now or need a new policy, you can use these tips to find the best rates and possibly find even better coverage. Finding the best rates is not that difficult. Consumers only need to know how to shop for auto insurance online.

How to Compare Insurance Coverage Quotes

There are a lot of ways you can shop for insurance coverage but there is one way that is less time-consuming than others. You could spend the better part of a day talking to insurance companies in your area, or you can utilize online quotes to quickly compare rates.

Most car insurance companies take part in a program that enables customers to enter their coverage request one time, and each company can give them a price based on the submitted data. This eliminates the need for form submissions to every company.

To compare pricing click here to open in new window.

One minor caviat to using this type of form is you don’t know exactly which carriers you want pricing from. So if you want to select specific insurance companies to compare rates, we have a listing of companies who write insurance coverage in your area. Click to view list.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same information on every quote. If you have different liability limits it’s not possible to determine which rate is truly the best.

Don’t miss out on these six money-saving discounts

Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. Most are applied at the time you complete a quote, but some must be manually applied before being credited. If you don’t get every credit available, you are paying more than you should be.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Auto/Life Discount – Larger companies have better rates if you take out auto and life insurance together.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
  • Federal Employees – Active or retired federal employment can save as much as 8% for Viper coverage with select insurance companies.
  • Resident Student – Any of your kids who are attending college and do not have a car may qualify for this discount.
  • Accident Waiver – A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.

Consumers should know that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will bring down your overall premium however.

A partial list of companies that may offer these discounts may include but are not limited to:

Check with each insurance company which discounts they offer. Discounts might not apply everywhere.

Do I need special coverages?

When buying adequate coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might point out if your insurance needs might need professional guidance.

  • How can I force my company to pay a claim?
  • Do I need added coverage for expensive stereo equipment?
  • What is no-fault insurance?
  • Is my 2010 Dodge Viper covered for smoke damage?
  • Am I missing any policy discounts?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Car insurance 101

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most auto insurance policies.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most 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 it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Viper.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, rolling your car, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses like prosthetic devices, ambulance fees, pain medications 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. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

Liability coverage can cover damage or injury you incur to people or other property. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair costs for stationary objects, loss of income, structural damage and bail bonds. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Cheaper insurance is a realistic goal

As you shop your coverage around, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

In this article, we covered some good ideas how you can lower your 2010 Dodge Viper insurance rates. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from a smaller regional carrier. Some small companies can often provide lower rates in certain areas compared to the large companies like Progressive or Geico.

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