1990 Dodge Ram Wagon Insurance Quotes

Are you frustrated by the dozens of auto insurance providers in your area? You’re not alone. consumers have so many options that it can quickly become a ton of work to lower your prices.

It’s important to compare premium rates occasionally due to the fact that insurance rates change regularly. Even if you got the lowest rate for Ram Wagon coverage two years ago you may be paying too much now. Ignore everything you know about auto insurance because it’s time to teach you the easiest way to find better rates and still maintain coverage.

The cheapest insurance

There are a lot of ways to compare insurance quotes, and some are less labor-intensive and much quicker. You could spend your day talking to insurance companies in your area, or you can utilize the web for quick rates.

The majority of car insurance companies belong to an insurance system that enables customers to complete one form, and each participating company then gives them pricing based on that information. This saves time by eliminating quote requests for each company.

To compare rates using this form now click here to open in new window.

The one downside to using this type of form is that you can’t choose the insurers to receive prices from. If you wish to select specific providers to compare, we have a page of insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, make absolute certain that you use apples-to-apples coverages and limits with every price quote. If the quotes have different coverage information it will be very difficult to make an equal comparison. Quoting even small variations in coverage limits could skew the results. And when quoting insurance, remember that having more price comparisons increases the change that you will find lower pricing.

More affordable rates with discounts

Auto insurance companies don’t list their entire list of discounts in a way that’s easy to find, so the following list contains some of the more common as well as the least known credits available to you. If you do not check that you are getting every discount possible, you are paying more than you should be.

Passenger Safety Discount – Factory options such as air bags could see savings of 25 to 30%.
Discounts for Multiple Vehicles – Purchasing coverage when you have several vehicles with the same auto insurance company may reduce the rate for each vehicle.
Home Ownership Discount – Just owning your own home can earn you a little savings because of the fact that having a home demonstrates responsibility.
Accident Forgiveness Coverage – This isn’t a discount exactly, but certain companies allow you one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
Theft Deterent Discount – Anti-theft and alarm system equipped vehicles help deter theft and will qualify for a discount on a insurance quote.

As is typical with insurance, some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, that’s just not realistic.

The best auto insurance companies and the discounts they provide are shown below.

American Family may offer discounts for Steer into Savings, good student, good driver, multi-vehicle, bundled insurance, early bird, and mySafetyValet.
Nationwide offers premium reductions for business or organization, family plan, accident-free, defensive driving, and multi-policy.
MetLife has savings for multi-policy, good driver, defensive driver, good student, claim-free, accident-free
21st Century has discounts for student driver, anti-lock brakes, air bags, theft prevention, good student, defensive driver, and homeowners.
Farmers Insurance offers discounts for good student, business and professional, mature driver, homeowner, alternative fuel, early shopping, and distant student.
Allstate offers discounts including new car, good student, multi-policy, auto/life discount, economy car, and anti-lock brakes.

When getting free insurance quotes, it’s a good idea to each company how many discounts you can get. Some of the earlier mentioned discounts may not be available in your state.

What is the best insurance coverage?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions might point out whether you would benefit from an agent’s advice.

How do I insure my teen driver?
When should I remove comp and collision on my 1990 Dodge Ram Wagon?
Does my liability insurance cover pulling a trailer or camper?
Is borrowed equipment or tools covered if stolen or damaged?
Is my cargo covered for damage or theft?
How much liability do I need to cover my assets?
Does my 1990 Dodge Ram Wagon qualify for pleasure use?
Will filing a claim cost me more?
Do I need motorclub coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Educate yourself about auto insurance coverages

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

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

Comprehensive coverage protects against claims like fire damage, hitting a bird, a broken windshield and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

Liability insurance will cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as medical services, structural damage and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Dodge Ram Wagon.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like chiropractic care, rehabilitation expenses, X-ray expenses, funeral costs and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Collision coverage

This covers damage to your Ram Wagon from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, sideswiping another vehicle, backing into a parked car, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.