1991 Dodge RAM 150 Car Insurance Quotes – 10 Tips for Cheaper Rates

Are you burned out from sacrificing other expenses to make your insurance payment? Your situation is no different than millions of other drivers. Drivers have many insurance companies to insure vehicles with, and though it is a good thing to be able to choose, lots of choices makes it harder to find the best rates for your vehicles.

It’s smart to do price comparisons periodically since insurance prices fluctuate regularly. Just because you had the lowest rates on RAM 150 insurance last year you can probably find a better rate quote now. You can search a lot of insurance on the internet, but in a few minutes you can learn a bunch of ideas how to lower your insurance bill.

This article will help educate you on the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you will be able to reduce your rates substantially using these techniques. Drivers just need to learn the best way to compare price quotes online.

Lower rate quotes with these ten discounts

Car insurance is not cheap, but there could be significant discounts that can drop the cost substantially. Some discounts will apply when you quote, but a few must be asked for before they will apply.

  • Save with More Vehicles Insured – Having more than one vehicle with the same company can reduce the rates for all insured vehicles.
  • Homeowners Discount – Owning your own home or condo can save you money because owning a home requires a higher level of personal finance.
  • Discount for Low Mileage – Keeping the miles down on your Dodge could qualify for discounted rates on garaged vehicles.
  • Telematics Devices – Drivers who agree to allow their company to study driving patterns through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may see discounts if their driving habits are good.
  • Resident Student – Kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Federal Employees – Federal government employees may qualify for a discount when you quote insurance on RAM 150 insurance with a few auto insurance companies.
  • Military Discounts – Having a family member in the military could mean lower premium rates.
  • Smart Student Discounts – Being a good student may save you up to 25%. Most companies allow this discount up until you turn 25.
  • Accident-Free Discounts – Drivers who don’t have accidents can save substantially as compared to frequent claim filers.
  • Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates on RAM 150 insurance than their less cautious counterparts.

While discounts sound great, it’s important to understand that most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, it just doesn’t work that way.

If you would like to view auto insurance companies who offer discounts, click this link.

The fastest way that we advise to compare insurance rates from multiple companies is to realize most insurance companies provide online access to compare their rates. All consumers are required to do is give them some information including if it has an anti-theft system, if a SR-22 is needed, how many miles driven, and your job. Those rating factors is instantly sent to all major companies and they return cost estimate almost instantly.

To compare rates now, click here and complete the quick form.

What is the best auto insurance coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might point out if you would benefit from an agent’s advice.

  • Does having multiple vehicles earn me a discount?
  • Why do I only qualify for high-risk insurance?
  • Can I make deliveries for my home business?
  • Can my teen drive my company car?
  • What is covered by UM/UIM coverage?
  • Does my 1991 Dodge RAM 150 need full coverage?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance policy specifics

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. These are typical coverages available from insurance companies.

Liability

This will cover damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

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 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like attorney fees, emergency aid, court costs and legal defense fees. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Dodge RAM 150.

Because many people 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 a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, fire damage and damage from flooding. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This coverage will pay to fix damage to your RAM 150 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, colliding with a tree, hitting a mailbox, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as rehabilitation expenses, ambulance fees, X-ray expenses and EMT expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Stretch your dollar

Lower-priced insurance coverage can be found both online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not offer online rate quotes and many times these small, regional companies only sell coverage through local independent agencies.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

We covered a lot of information how to reduce 1991 Dodge RAM 150 insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. You may even discover the best premium rates are with a small local company. Smaller companies often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

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