Cheaper 1991 Dodge Ramcharger Car Insurance Rates

Saving money on insurance can seem to be quite difficult for people not familiar with online comparison shopping. With literally dozens of insurers to choose from, it can turn into a real difficult job to lower your prices.

You need to compare prices at least once a year because insurance prices trend upward over time. Even if you got the best price on Ramcharger insurance on your last policy other companies may now be cheaper. Ignore everything you know about insurance because we’re going to show you the fastest way to save on insurance.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. Although vehicle owners need to learn how insurance companies compete online and use this information to your advantage.

The method we recommend to compare insurance rates from multiple companies is to know most insurance companies pay for the opportunity to compare their rates. The only thing you need to do is give the companies some data like if your license is active, your general credit rating, driver ages, and what you do for a living. That rating data gets sent immediately to multiple different insurance companies and you will receive price estimates almost instantly.

To compare rates now, click here and find out if you can get cheaper insurance.

Can you really save $475 a year?

Car insurance companies such as Geico, State Farm and Progressive regularly use television and radio advertisements. All the companies seem to make the promise that people will save if you just switch to them. How is it plausible that every one can offer drivers better rates? This is how they do it.

All companies have a preferred profile for the type of driver that earns them the highest profit. One example of a profitable risk profile may need to be between the ages of 30 and 50, has had continuous coverage, and drives a lower-performance vehicle. A driver who fits those characteristics will get very good premium rates and have a good chance to save a lot if they switch.

Potential insureds who are not a match for the ideal profile may be required to pay higher prices and ends up with the customer buying from someone else. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save the amount stated. That’s why companies can make claims like that. Because of these techniques, drivers should compare many company’s premium rates. It’s just too difficult to predict the company that will fit you best based on your risk profile.

The Dodge Ramcharger insurance price equation

Many things are taken into consideration when quoting car insurance. Most are fairly basic like a motor vehicle report, but other factors are less obvious like your vehicle usage or your commute time.

  • Gender is a factor – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, this does not mean women are BETTER drivers than men. Women and men are responsible for fender benders at about the same rate, but the male of the species get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations like reckless driving and DUI.
  • Your credit rating is important – Credit history is a big factor in determining what you pay. People with good credit tend to file fewer claims and have better driving records than those with poor credit. So if your credit rating can be improved, you could pay less to insure your 1991 Dodge Ramcharger if you improve your credit rating.
  • Responsible drivers pay less – A bad driving record has a big impact on rates. Drivers with clean records pay lower auto insurance prices compared to drivers with tickets. Only having one speeding ticket can increase the cost of insurance by twenty percent. Drivers unfortunate enough to have dangerous violations such as DWI, reckless driving or hit and run convictions may be required to prove financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • A policy lapse can increase insurance rates – Driving your car without having proper coverage is against the law and you may have a hard time finding new coverage because you let your insurance lapse. Not only will you pay more, the inability to provide proof of insurance can result in a license revocation or jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Car plus home equals more savings – Most major insurance companies afford lower prices to insureds that purchase more than one policy, otherwise known as a multi-policy discount. The discount can add up to ten or even fifteen percent. If you currently are using one company, it’s always a smart idea to compare other insurance prices to ensure the best deal. Consumers may save more without the discount by buying insurance from more than one company.
  • Incidental coverages that aren’t used – There are a lot of additional extra coverages that can waste your money when buying insurance. Insurance for things like personal injury protection, high-cost glass coverage, and extra equipment coverage could be just wasting money. They may sound like good ideas when you first buy your policy, but if you don’t need them think about removing them and cutting costs.
  • Pay less with a high IIHS safety rating – Vehicles with good safety scores cost less to insure. Vehicles engineered for safety have better occupant injury protection and lower injury rates means your insurance company pays less which can mean better rates for you. If your Dodge Ramcharger scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.

Save money with discounts

Auto insurance is neither fun to buy or cheap, but you might already qualify for some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you complete an application, but a few need to be manually applied prior to getting the savings. If you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

  • Distant Student – College-age children who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
  • Discount for Low Mileage – Fewer annual miles on your Dodge could earn lower prices due to less chance of an accident.
  • Theft Deterent Discount – Cars equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
  • Sign Online – Some insurance companies will give you a small discount just for signing your application on the internet.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.
  • Own a Home and Save – Owning a house can get you a discount because owning a home is proof that your finances are in order.
  • Driver Safety – Taking time to complete a course in driver safety could cut 5% off your bill and make you a better driver.
  • Early Payment Discounts – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and will save you 10% or more.

You can save money using discounts, but most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, nobody gets a free ride. But all discounts will definitely lower the cost of your policy.

A few companies that may offer quotes with some of the above discounts possibly include:

Double check with each insurance company which discounts can lower your rates. Discounts might not apply everywhere. To view insurance companies that offer many of these discounts, follow this link.

What is the best insurance coverage?

When choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions might point out whether your personal situation could use an agent’s help.

  • If my pet gets injured in an accident are they covered?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How do I insure my teen driver?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need higher collision deductibles?
  • What can I do if my company denied a claim?
  • Am I covered if hit by an uninsured driver?
  • Does my medical payments coverage pay my health insurance deductible?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage specifics

Having a good grasp of a car insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

UM/UIM Coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Ramcharger.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, vandalism, a tree branch falling on your vehicle, hitting a deer and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as nursing services, hospital visits and doctor visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Collision protection

This coverage will pay to fix damage to your Ramcharger from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, scraping a guard rail, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as medical services, attorney fees, pain and suffering and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

One last thing about your coverage

Cheaper 1991 Dodge Ramcharger insurance is possible on the web and also from your neighborhood agents, so you need to shop insurance with both to have the best rate selection. There are still a few companies who may not have rates over the internet and these small insurance companies provide coverage only through independent agents.

Insureds switch companies for a number of reasons such as denial of a claim, delays in paying claims, not issuing a premium refund and policy non-renewal. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.

Much more information about insurance can be found below: