How Much Does 1991 Dodge Ram 50 Pickup Insurance Cost?

Trying to find better car insurance rates for your Dodge Ram 50 Pickup? Searching for better insurance prices for your Dodge Ram 50 Pickup could be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to find car insurance online so we’re going to tell you the best way to get price quotes for a Dodge and find the lowest possible price.

Compare free car insurance price quotes

Lowering your 1991 Dodge Ram 50 Pickup car insurance rates is not rocket science. The only thing you need to do is spend a little time to compare free car insurance quotes from different insurance companies. This can easily be done in just a few minutes using one of these methods.

  1. The simplest way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This style of form prevents you from having to do boring form submissions for each company. One simple form gets you price quotes from car insurance companies with the best prices.It’s the quickest way to get rates.
  2. Another way to find lower rates requires visiting the website for every company you want to comare and go through the quote process again. For sake of this example, we’ll assume you want to compare prices for Progressive, Geico and GMAC. To do that, you would have to go to every website and enter your information, which can get old fast.

    For a list of links to insurance companies in your area, click here.

How you compare quotes is your choice, just try to use identical coverage information on every quote you get. If you use different liability limits it will be next to impossible to find the best deal for your Dodge Ram 50 Pickup.

Do you qualify for discounts?

Auto insurance is expensive, but you can get discounts to help bring down the price. Many discounts should be triggered when you get a quote, but a few must be specially asked for before you will receive the discount.

  • College Student Discount – Older children who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
  • Online Discount – A few larger online companies provide a small discount for completing your application digitally online.
  • Drivers Ed for Students – It’s a good idea to have your young drivers complete a driver education course in school.
  • Accident Forgiveness Coverage – Not a discount per se, but some insurance companies will let one accident slide without the usual rate increase as long as you don’t have any claims for a specific time period.
  • Senior Discount – Mature drivers are able to get a discount up to 10% for Ram 50 pickup coverage.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions so you can save 10 percent or more.

Discounts save money, but please remember that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way.

Auto insurance companies that have most of the discounts above may include but are not limited to:

When comparing rates, check with every company to apply every possible discount. All car insurance discounts might not apply in your area.

Don’t assume everyone needs the same insurance coverage coverage

When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For example, these questions can aid in determining whether or not you would benefit from professional advice.

  • Should I carry comprehensive and collision coverage?
  • What is the rate difference between pleasure use and commuting?
  • Who is covered by my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if my car is in a flood?
  • How high should deductibles be on a 1991 Dodge Ram 50 Pickup?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Coverages available on your car insurance policy

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability car insurance – This protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair costs for stationary objects, structural damage, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses like EMT expenses, rehabilitation expenses and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, fire damage and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Dodge Ram 50 Pickup.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision coverage – This pays for damage to your Ram 50 Pickup resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.