2010 Dodge Viper Insurance Cost in 2024 – 5 Ways to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2024

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Searching for cheaper insurance rates for your Dodge Viper? No normal person looks forward to buying insurance, especially when they know the price is too high.

Many car insurance companies vie for your insurance dollar, and because of this it can be hard to compare auto insurance companies and get the definite best rate

If you currently have car insurance, you will most likely be able to save some money using these methods. Buying car insurance is not that difficult. But drivers must learn the way companies compete online and apply this information to your search.

How to buy car insurance online

When comparison shopping, there are several ways to get quotes from car insurance companies in your area. The fastest way to find cheaper 2010 Dodge Viper rates involves getting comparison quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

  1. The most recommended method to get quotes for comparison is to use a rate comparison form. This type of form prevents you from having to do separate quotation requests for every car insurance company. One form submission will return price quotes from car insurance companies with the best prices.
  2. A harder way to find more affordable insurance consists of going to each company website and repeat the quote process. For examples sake, let’s assume you want rates from Auto-Owners, Farmers and GMAC. To get each rate you have to go to each individual site and type in your information over and over, which is why the first method is quicker.
  3. The old school way to do your price quoting to and from local insurance agencies. Comparing online rate quotes eliminates this option unless you prefer the professional guidance that only an agent can give. However, consumers can comparison shop online but purchase the actual policy in an agency.

Whichever way you use, try to keep the exact same information with every price quote. If you use different deductibles it’s impossible to find the best deal for your Dodge Viper. Having just a slight variation in insurance coverages may cause a big price difference. Just keep in mind that comparing more rates from different companies will enable you to find a better price. Some smaller insurers to not give online quotes, so you need to compare quotes from them, too.

Discount insurance coverage quotes

Insurance coverage can be pricey, but there’s a good chance there are discounts that can drop the cost substantially. Most are applied when you quote, but occasionally some discounts must be asked about before you will receive the discount.

  • Discounts for New Vehicles – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Multi-line Discount – Select insurance coverage companies reward you with a lower insurance coverage rate if you buy life insurance.
  • Distant Student – Children who attend college more than 100 miles from home and do not take a car to college may qualify for this discount.
  • Accident Waiver – Not really a discount, but some insurance companies will allow you to have one accident without raising rates if you have no claims for a particular time prior to the accident.
  • Senior Discount – If you’re over the age of 55, you can get a slight reduction on a car insurance quote on Viper insurance.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, you aren’t that lucky. But all discounts will lower the amount you pay for coverage.

Companies and a summarized list of policyholder discounts are shown below.

  • GEICO discounts include defensive driver, military active duty, membership and employees, anti-lock brakes, multi-policy, driver training, and seat belt use.
  • Auto-Owners Insurance has discounts for multiple vehicles, student away at school, mature driver, air bags, company car, multi-policy, and teen driver.
  • American Family policyholders can earn discounts including early bird, accident-free, bundled insurance, good driver, mySafetyValet, and defensive driver.
  • Esurance offers premium reductions for paid-in-full, multi-policy, good student, homeowner, multi-car, claim free, and safety device.
  • Progressive includes discounts for good student, multi-policy, homeowner, online quote discount, multi-vehicle, and online signing.
  • State Farm may include discounts for passive restraint, good driver, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, accident-free, and anti-theft.
  • AAA offers discounts including AAA membership discount, good driver, education and occupation, multi-car, anti-theft, and multi-policy.

When quoting, ask every insurance company the best way to save money. Some discounts may not apply in your area. To choose insurance coverage companies with discount rates, enter your zip code here.

Tailor your insurance coverage to you

When buying the right insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might point out if you will benefit from professional help.

  • Does my 2010 Dodge Viper qualify for pleasure use?
  • Am I better off with higher deductibles on my 2010 Dodge Viper?
  • Do I need PIP coverage since I have good health insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need more liability coverage?
  • What is UM/UIM insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I sign the liability waiver when renting a car?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete your zip code.

Specific coverage details

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.

Collision coverage – This coverage pays for damage to your Viper from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like EMT expenses, X-ray expenses and dental work. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Viper.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Auto liability – Liability insurance will cover damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical services, court costs and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

More effort can pay off

When shopping online for auto insurance, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where drivers have reduced full coverage only to regret that it was a big mistake. Your goal is to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.

In this article, we presented a lot of tips how to lower your 2010 Dodge Viper insurance prices. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the lowest prices come from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

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