1990 Dodge RAM 150 Insurance Rates – 6 Policy Discounts

Looking for better auto insurance rates for your Dodge RAM 150? Shopping for the lowest cost auto insurance can appear to be overwhelming for consumers that are not comfortable with quoting and price shopping on the web. With so many insurance agents and online companies, how can drivers have a chance to compare each option to find the cheapest available price?

Insurance coverage policy discounts

Companies don’t always list every discount in an easy-to-find place, so the list below contains a few of the more common and also the lesser-known credits available to you.

  • Multi-policy Discount – If you have multiple policies with the same insurance company they may give you a discount of at least 10% off all policies.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for slightly better insurance coveragerates than normal.
  • Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you can actually save on your bill.
  • Discounts for Cautious Drivers – Safe drivers may save up to 50% more for RAM 150 insurance than drivers with accident claims.
  • Passive Restraints and Air Bags – Factory options such as air bags could see savings of more than 20%.

You should keep in mind that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. Just because it seems like you could get a free insurance coverage policy, it’s just not the way it works. But any discount will help reduce the amount you have to pay.

The best insurance coverage companies and some of the premium reductions they offer can be read below.

  • State Farm may have discounts that include Steer Clear safe driver discount, multiple autos, multiple policy, passive restraint, good driver, good student, and anti-theft.
  • American Family offers premium reductions for bundled insurance, defensive driver, mySafetyValet, TimeAway discount, multi-vehicle, and good student.
  • AAA has savings for anti-theft, multi-car, AAA membership discount, education and occupation, and good driver.
  • Geico includes discounts for multi-vehicle, multi-policy, defensive driver, five-year accident-free, anti-theft, and air bags.
  • Mercury Insurance may include discounts for good driver, accident-free, type of vehicle, location of vehicle, anti-theft, and age of vehicle.
  • Farmers Insurance may offer discounts for teen driver, good student, early shopping, bundle discounts, and switch companies.
  • Progressive offers discounts for homeowner, multi-policy, good student, online signing, and multi-vehicle.

When getting free car insurance quotes, it’s a good idea to every prospective company how you can save money. Discounts may not apply in your area.

Finding insurance coverage

Comparing insurance coverage rates can be a daunting task if you don’t know the fastest way to get free quotes. You could waste time discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

All the larger companies enroll in a system where prospective buyers send in one quote, and at least one company then returns a price quote for coverage. This eliminates the need for repetitive form submissions for every insurance coverage company. To compare rates now click here (opens in new window).

One minor caviat to comparing rates this way is you don’t know exactly the providers to receive prices from. If you wish to select specific providers to request quotes from, we have a listing of insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be certain you are entering nearly identical coverage limits and deductibles on every price quote you get. If you are comparing unequal deductibles or liability limits it will be impossible to determine the best price for your Dodge RAM 150. Slightly different coverage limits can result in a big premium difference. Just keep in mind that comparing a wide range of rates increases your odds of finding lower pricing. Not every company does online price quotes, so it’s important to also get price estimates from them as well.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Is pleasure use cheaper than using my 1990 Dodge RAM 150 to commute?
  • Is my state a no-fault state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when delivering products for my home-based business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do all my vehicles need collision coverage?
  • Is my custom paint covered by insurance?
  • Is my 1990 Dodge RAM 150 covered for flood damage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Car insurance coverage considerations

Having a good grasp of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision – This coverage pays for damage to your RAM 150 from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability auto insurance – Liability insurance provides protection from damage that occurs to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for 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 loss of income, structural damage and funeral expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 1990 Dodge RAM 150.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

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

Comprehensive can pay for claims like rock chips in glass, damage from flooding and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like nursing services, EMT expenses and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

More quotes mean more savings

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There are many occasions where an insured cut comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The aim is to get the best coverage possible at a price you can afford and still be able to protect your assets.

People leave their current company for any number of reasons including high rates after DUI convictions, lack of trust in their agent, high prices or being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.

Some auto insurance companies do not provide online price quotes and usually these smaller companies sell through local independent agencies. Cheaper 1990 Dodge RAM 150 insurance is possible on the web and also from your neighborhood agents, so you need to compare both to have the best rate selection.

More information is available at the links below