How Much Does 2010 Dodge Viper Car Insurance Cost?

Trying to find better insurance prices for a Dodge Viper can turn out to be a lot of work, but you can learn these tips to save time. There are both good and bad ways to compare auto insurance rates and you need to know the quickest way to get price quotes for a Dodge and get the lowest possible price either online or from local insurance agents.

If you have insurance now or need new coverage, you can follow these tips to reduce the price you pay while maximizing coverage. Locating the cheapest car insurance coverage is quite easy. Drivers only need an understanding of the proper methods to find the lowest price online.

Insurance prices are influenced by these factors

Lots of things are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving history, but some are more obscure such as your credit history or your vehicle rating.

• Safer the car lower the rate – Vehicles that have high safety ratings are cheaper to insure. These vehicles reduce injuries and fewer injuries means less money paid by your insurance company and cheaper rates on your policy. If your Dodge Viper has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Avoid policy lapses – Not having insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license.
• With age comes lower prices – Older insureds are viewed as being more responsible, tend to file fewer claims and tend to be get fewer driving tickets.Teenage drivers tend to be careless and easily distracted behind the wheel so insurance rates are higher.
• Coverage deductibles are a factor – Your deductibles define how much the insured will be required to pay if you file a covered claim. Physical damage insurance, also called comprehensive and collision insurance, insures against damage to your car. Some examples of covered claims are colliding with a stationary object, hail damage, and damage from wind. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for Viper insurance.
• Deter car thieves – Selecting a car model with advanced anti-theft systems can get you a discount on your insurance. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your vehicle from being stolen.
• Drive less and get lower prices – The higher the miles on your Dodge each year the higher the price you pay to insure it. Most companies charge rates based upon how you use the vehicle. Cars that sit idle most of the time can be on a lower rate level than vehicles that have high annual mileage. Having the wrong rating on your Viper is throwing money out the window. It’s a good idea to make sure your vehicle rating properly reflects how each vehicle is driven.

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How to get auto insurance quotes

Shopping for lower auto insurance rates can be a daunting task if you don’t know the most efficient way. You could spend your day discussing policy coverages with agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Most of the larger companies participate in a marketplace that enables customers to enter their policy data once, and each company then gives them pricing based on that data. This eliminates the need for quotation requests to each company.

To find out how much you’re overpaying now click here to open in new window.

The one downside to pricing coverage this way is that consumers can’t choose the companies you want to price. If you would rather choose individual companies to compare, we have a listing of low cost auto insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but be sure to compare exactly the same quote information on every quote you get. If your comparisons have unequal deductibles or liability limits it will be impossible to make an equal comparison.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t get away from all the ads that promise big savings by companies like Progressive, Geico, Allstate and State Farm. They all tend to make the same promise about savings just by moving your policy.

How does every company say the same thing? You have to listen carefully.

Auto insurance companies offer their best rates for the right customer that will be a good risk. For example, a driver they prefer may need to be a married female, has few claims, and drives a car with an anti-theft system. Any driver who matches those parameters will qualify for the lowest premium rates and most likely will cut their rates if they switch.

Insureds who are not a match for these stringent criteria may be forced to pay higher rates which translates to the customer not purchasing. The ads state “people who switch” but not “everyone who gets a quote” save that much. That’s the way companies can make claims that they all have the best prices. This really illustrates why you absolutely need to compare as many free insurance coverage quotes as you can. It’s just too difficult to predict which insurance companies will have better premium rates than you’re paying now.

Car insurance discounts help reduce rates

Companies that sell car insurance do not advertise every disount available very clearly, so we took the time to find a few of the more common and the more hidden credits that may apply to you.

• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
• Paperwork-free – Certain companies will provide an incentive get insurance coverage online.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
• Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
• Full Payment Discount – If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.
• Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.

Don’t be surprised that some credits don’t apply the the whole policy. A few only apply to specific coverage prices like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To find insurers that offer multiple discounts, click here to view.

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Which is the best car insurance?

When it comes to buying coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

• What can I do if my company denied a claim?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is extra glass coverage worth it?
• Am I covered when driving someone else’s vehicle?
• Is business equipment covered while in my vehicle?
• Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, theft and hitting a deer. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Viper.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as prosthetic devices, chiropractic care, nursing services and X-ray expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability coverages – Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things like attorney fees, structural damage, medical services and medical expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Collision – This coverage covers damage to your Viper resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, sideswiping another vehicle, hitting a parking meter, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Get your money’s worth

When you buy insurance coverage online, never buy less coverage just to save a little money. In many cases, consumers will sacrifice uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage for the lowest price.

Some insurance coverage companies may not provide internet price quotes and usually these regional insurance providers only sell through local independent agents. Cheaper 2010 Dodge Viper insurance can be purchased from both online companies and with local insurance agents, so you should compare both so you have a total pricing picture.

In this article, we presented quite a bit of information on how to shop for 2010 Dodge Viper insurance online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your premium rates. Drivers may discover the lowest car insurance rates are with a small mutual company.

Additional insurance coverage information is located at these links:

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)

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