2010 Dodge Viper Car Insurance Cost

Trying to find lower car insurance rates for your Dodge Viper? If you’re trying to find more affordable insurance online, are you overwhelmed by the sheer number of car insurance sources in your area? You have such a large number of options that it can easily become a difficult challenge to find the perfect company for you.

It’s a good idea to price shop coverage at least once a year because car insurance prices are constantly changing. Even if you got the lowest rate for Viper coverage a year ago you can probably find a better premium rate now. Block out anything you think you know about car insurance because you’re about to find out the fastest way to find great coverage at a great price.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this information. This information will let you in on the best way to quote coverages. But consumers can benefit by having an understanding of how insurance companies price insurance differently.

Earn discounts on auto insurance

Companies offering auto insurance don’t necessarily list every discount in a way that’s easy to find, so we researched both the well known in addition to some of the lesser obvious credits that may apply to you.

  • Accident Forgiveness – This one is not really a discount per se, but a few companies such as Allstate, Progressive, and GEICO will allow you to have one accident without raising rates with the catch being you have to be claim-free for a specific time period.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • Homeowners Discount – Owning your own home or condo can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
  • Early Renewal Discounts – Some larger companies give discounts for signing up before your current expiration date. You can save around 10% with this discount.
  • Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Active Military Service – Having a deployed family member can result in better premium rates.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.
  • Telematics Devices – Insureds that choose to allow driving data submission to scrutinize vehicle usage by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates as long as the data is positive.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, it’s just not the way it works. But any discount will bring down your overall bill.

To find providers that offer the discounts shown above, click here.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.

  • Do I need motorclub coverage?
  • When would I need rental car insurance?
  • Can my babysitter drive my car?
  • If I drive on a suspended license am I covered?
  • Is rental equipment covered for theft or damage?
  • Do I need more liability coverage?
  • When can my company non-renew my policy?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

The insurance coverage bait and switch

Well-known insurance coverage companies like State Farm and Allstate constantly bombard you with ads on TV and radio. All the ads have a common claim that drivers will save a bundle after switching your coverage. How does every company claim to save you money? It’s all in how they say it.

Companies offer their best rates for the type of customer that will most likely be profitable. An example of a profitable customer could be over the age of 35, is a homeowner, and has a high credit rating. Any driver that matches those criteria will probably get the lowest car insurance rates and will most likely save money with a new company.

Insureds who may not quite match these stringent criteria must pay a higher rate with the end result being the customer not purchasing. Company advertisements say “customers that switch” not “everybody who quotes” save the amount stated. This is how insurance companies can make it sound like they have such great rates. This illustrates why drivers should get insurance quotes from several different companies. It is impossible to guess which insurance companies will fit you best based on your risk profile.

Insurance policy specifics

Having a good grasp of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverages

Liability insurance protects you from damage that occurs to a person or their property that is your fault. It protects YOU from claims by 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 might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as repair costs for stationary objects, bail bonds and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

Collision insurance pays for damage to your Viper from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, crashing into a ditch, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your 2010 Dodge Viper.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills like rehabilitation expenses, prosthetic devices, surgery and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, falling objects, rock chips in glass and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Be Smart and Buy Smart

Cheaper 2010 Dodge Viper insurance can be sourced from both online companies as well as from independent agents, and you need to price shop both to have the best selection. Some companies don’t offer price quotes online and these small, regional companies only sell through independent insurance agencies.

When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. In many instances, someone dropped liability limits or collision coverage and discovered at claim time that it was a big mistake. Your aim should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Consumers switch companies for a variety of reasons including policy cancellation, poor customer service, policy non-renewal and questionable increases in premium. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

Much more information about car insurance is located on the following sites:

Comments About 2010 Dodge Viper Insurance

  1. Sheryl Petty

    Located in Memphis, Tennessee. I quoted with Auto-Owners, MetLife, and a few others for my Viper and saved $376 a year. I just quoted rates online.

  2. Faith Armstrong

    Cheap is relative. Live in the northern part of Chicago, IL. Received quotes with The General, AAA, Mercury, and a couple others for my Viper and I think I cut my rates about $50 each month. Was with GMAC. :P

  3. Josefina Beard

    I compared a lot of rate quotes for a 2010 Dodge Viper in Minneapolis, MN. Ended up at about $510 every six months with AAA. Insured with Sentry before. Even increased coverage a bit. Bought it from an online quote.

  4. Lois Barker

    Great info, thanks for posting. Proud to be from Bridgeport, CT. I got free quotes from Progressive, GMAC, and Erie for my 2010 Dodge Viper and am saving around $360 a year. I have a teen driver too. I quoted rates online then called them.

  5. Jeanelle Vega

    Cheaper car insurance is a myth. I live north of Milwaukee, WI. Quoted with Amica, Sentry, and a few others for my Dodge and saved $477 a year. I have kids on my policy, too.

  6. Virgil Lopez

    I got decent rates for a 2010 Dodge Viper in Biloxi, MS. Ended up at darn near $580 every six months with AIG Insurance. I think they have home insurance too.

  7. Margorie Ayers

    Will Progressive rates go up if I file a claim?

  8. Emerita Hawkins

    I live just to the east of Jackson, MS. Compared quite a few companies. Saved darn near $20 a month. 21st Century was the best choice for me. It’s easy to compare rates online now.

  9. Rubin Witt

    I’m in the south part of Lexington, Kentucky. Received quotes with Auto-Owners, Nationwide, and Travelers for my Dodge and saved $94 a year.

  10. Ahmed Mcclain

    Lifelong resident of Salem, OR, and State Farm rates were best. They have a lot of discounts available. I recommend comparing lots of rates.

  11. Eddy Jensen

    Found cheapest coverage with Western Auto Insurance for my Dodge and cut my rates about $310 a year.

  12. Bill Mitchell

    All companies are crooks. I’m from San Diego, CA. Got prices from Hanover, AAA, Nationwide, and a couple others for my Viper and saved $198 a year. Hopefully won’t need it.