1990 Dodge Ram Van Insurance Rates

Want lower insurance coverage rates for your Dodge Ram Van? Do you think you bought an overpriced insurance coverage policy? Don’t sweat it because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Since you have so many options, it’s nearly impossible to choose the lowest price insurance coverage company.

Pricing more affordable insurance coverage is not that difficult. Just about every vehicle owner who is required by state law to have insurance most likely will be able to find lower rates. But car owners can benefit from knowing how big insurance companies market on the web and apply this information to your search.

How to lower your insurance coverage cost

Performing a rate comparison can take time and effort if you don’t know the fastest way to get free quotes. You can spend countless hours talking to insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to complete one form, and every company then returns a price quote determined by their information. This eliminates the need for form submissions for each company.

To find out how much you can save on insurance coverage click to open in new window.

The one disadvantage to getting quotes like this is buyers cannot specifically choose the insurers to get pricing from. So if you prefer to choose from a list of companies to compare, we have assembled a list of insurance coverage companies in your area. Click here to view list.

Whichever method you choose, make darn sure you compare identical coverages for each price quote. If you enter different data you can’t possibly find the best deal for your Dodge Ram Van. Just slight variations in limits could throw off the whole comparison. And when quoting insurance coverage, remember that more quotes increases the change that you will find a lower rate. Not every company allows you to get price estimates online, so you need to compare quotes from those companies as well.

These discounts can lower your insurance coverage quotes

Insurance coverage is not inexpensive, but you might be missing out on some discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but a few must be specially asked for before being credited.

  • Senior Citizen Discount – Mature drivers could receive a discount up to 10% for Ram van coverage.
  • Government Employees – Active or retired federal employment could qualify for a slight premium decrease for Ram van coverage with certain companies.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Defensive Driver Discount – Participating in a course in defensive driver could save 5% or more if your company offers it.
  • Passenger Safety Discount – Options like air bags or motorized seat belts can receive discounts of 25 to 30%.
  • Buy New and Save – Adding a new car to your policy can cost up to 25% less because newer vehicles keep occupants safer.
  • Good Student Discount – This discount may save you up to 25%. Most companies allow this discount well after school through age 25.

Discounts lower rates, but many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies that may include most of the discounts above possibly include:

When quoting, ask every company how you can save money. Some of the earlier mentioned discounts may not apply to policyholders in your area.

Different people need different car insurance coverages

When choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. 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 situation could use an agent’s help.

  • Who is covered by my policy?
  • Should I get collision insurance on every vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Do I need motorclub coverage?
  • Why am I required to buy high-risk coverage?
  • Can I afford to buy a different vehicle if my 1990 Dodge Ram Van is totaled?
  • Does my 1990 Dodge Ram Van need full coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance premiums are influenced by these factors

Lots of factors are considered when quoting car insurance. Some are pretty understandable such as traffic violations, but some are less obvious such as your credit history or your vehicle rating.A large part of saving on car insurance is knowing some of the elements that are used to determine the rates you pay for car insurance. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that can earn you lower rates.

  • How much liability do you need? – The liability section of your policy will provide protection if ever you are found liable for personal injury or accident damage. It will provide legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Marriage reduces risk – Your spouse can get you a discount on your car insurance policy. Marriage is viewed as being less irresponsible and it’s proven that drivers who are married are more cautious.
  • Where you reside plays a part – Having an address in areas with lower population has it’s advantages when trying to find low car insurance rates. Drivers who live in large cities have to deal with congested traffic and much longer commute distances. Lower population means reduced accidents and lower theft and vandalism rates.
  • With age comes responsibility – Teen drivers tend to get distracted easily with other occupants in the car therefore car insurance rates are much higher. More experienced drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
  • Women tend to take less risk – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Males and females are responsible for auto accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as DWI and reckless driving. Male teenagers generally have the highest accident percentage and therefore have the most expensive car insurance rates.
  • Pay more out-of-pocket – Physical damage deductibles define the amount you are willing to pay if the claim is covered. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered would be a windshield broken by a bird, damage caused by hail, or theft of your vehicle. The more of the claim you choose to pay out-of-pocket, the lower your rates will be for Ram van coverage.
  • Miles impacts costs – Driving a lot of miles each year the more you will pay for car insurance. Almost all companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles that sit idle most of the time can be on a lower rate level compared to those used for work or business. Double check that your declarations sheet is showing the proper vehicle usage. Having the wrong rating on your Ram Van is just wasting money.

Does insurance advertising bend the truth?

Popular insurance providers such as State Farm, Geico and Progressive seem to constantly run ads on television and other media. All the ads advertise the message about saving some big amount just by moving your policy. It sounds good, but how can they all charge lower premium rates? Here is the trick they use.

Companies have strict underwriting profiles for the type of driver that will most likely be profitable. For instance, a profitable customer should be over age 30, has no driving citations, and insures a new vehicle. Someone who fits those characteristics will probably get the lowest prices and will probably save a lot of money.

Drivers who don’t qualify for these standards must pay higher rates and this results in business going elsewhere. If you listen to the ad wording, they say “customers who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently make those statements.

Different companies use different criteria so you really should compare many company’s rates. It is impossible to predict the company that will have the best prices at this point in time.

Detailed coverages of your car insurance policy

Having a good grasp of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most car insurance policies.

Collision protection

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

Collision coverage pays for things like crashing into a ditch, sideswiping another vehicle, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, a broken windshield and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

Liability coverage can cover damage that occurs to people or other property. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like loss of income, legal defense fees, emergency aid, court costs and medical expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like EMT expenses, prosthetic devices, rehabilitation expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Do the work, save more money

When you buy auto insurance online, do not reduce needed coverages to save money. In too many instances, an insured dropped physical damage coverage only to find out they didn’t have enough coverage. The goal is to purchase plenty of coverage at the best cost and still be able to protect your assets.

We just covered a lot of information how to reduce 1990 Dodge Ram Van insurance rates online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with a smaller regional carrier. Smaller companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate or State Farm.

Budget-friendly insurance coverage is available on the web and from local insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and many times these regional carriers only sell through local independent agencies.

More detailed insurance coverage information is available in the articles below: