1992 Dodge RAM 350 Car Insurance Cost – 10 Ideas for Cheaper Prices

Consumers have a choice when looking for the lowest priced Dodge RAM 350 insurance. You can either waste hours driving around getting price quotes or use the internet to make rate comparisons.

There are more efficient ways to find insurance online so you’re going to learn the absolute fastest way to compare rates for a new or used Dodge and find the cheapest rates from both online companies and local agents.

It’s a good habit to compare rates quite often because insurance prices are variable and change quite frequently. Despite the fact that you may have had the best rates on RAM 350 insurance a few years ago you can probably find a better premium rate now. Forget all the misinformation about insurance because you’re about to learn the fastest and easiest way to remove unneeded coverages and save money.

The purpose of this post is to instruct you on the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Drivers only need an understanding of the most effective way to shop for auto insurance online.

Take advantage of every insurance coverage discount

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even know about. Certain credits will be shown at the time of purchase, but some need to be asked about before you will receive the discount.

  • Accident Free – Good drivers with no accidents pay less as opposed to drivers with a long claim history.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts could see savings of up to 25% or more.
  • Multiple Vehicles – Buying a policy with multiple vehicles with the same insurance coverage company can reduce rates for all insured vehicles.
  • Low Miles Discount – Maintaining low annual mileage can qualify you for better rates on cars that stay parked.
  • 55 and Retired – Older drivers could receive a discount up to 10% on RAM 350 insurance.
  • Early Signing – A few insurance companies offer discounts for buying a new policy prior to your current policy expiration. It could save around 10% when you buy auto insurance online.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
  • Onboard Data Collection – Policyholders that allow their company to look at driving manner by using a telematics device in their vehicle like Allstate’s Drivewise may see discounts as long as the data is positive.
  • Accident Waiver – Not really a discount, but companies like Allstate, Progressive, and Geico will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% off the medical payments premium.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like comp or med pay. Even though the math looks like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount will definitely lower your policy premium.

The best insurance coverage companies and their offered discounts can be read below.

  • State Farm may include discounts for passive restraint, driver’s education, multiple policy, safe vehicle, student away at school, defensive driving training, and Drive Safe & Save.
  • Progressive includes discounts for homeowner, online quote discount, online signing, good student, continuous coverage, and multi-vehicle.
  • Progressive policyholders can earn discounts including online signing, online quote discount, good student, multi-policy, continuous coverage, multi-vehicle, and homeowner.
  • MetLife discounts include defensive driver, good student, accident-free, multi-policy, claim-free, good driver
  • Farm Bureau has discounts for driver training, safe driver, youthful driver, multi-policy, and multi-vehicle.
  • Geico may offer discounts for anti-lock brakes, military active duty, daytime running lights, anti-theft, driver training, and good student.
  • SAFECO offers discounts including safe driver, bundle discounts, anti-theft, anti-lock brakes, drive less, multi-car, and teen safe driver.

If you are trying to find affordable auto insurance quotes, ask every insurance company the best way to save money. Some discounts might not apply in your area. To locate companies offering insurance coverage discounts, click here to view.

How to lower your insurance coverage cost

There are a variety of methods to shop for insurance coverage, but some are easier and takes less work. You can spend countless hours talking about coverages with agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many of the larger companies take part in a program that enables customers to submit their information once, and each company can give them a price determined by their information. This prevents consumers from doing repetitive form submissions to each company.

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

One minor caviat to comparing rates this way is that you can’t choose which carriers to get pricing from. If you prefer to choose individual companies to request quotes from, we put together a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

Compare rates however you want, just compare equivalent coverage data on every quote you get. If you use different coverage information you can’t possibly make an equal comparison.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether you would benefit from professional advice.

  • Is my dog or cat covered if injured in an accident?
  • Am I covered when delivering products for my home-based business?
  • I don’t drive much so do I pay less?
  • Does car insurance cover theft of personal property?
  • Am I insured when driving a different vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • When does my teenage driver need to be added to my policy?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

The largest companies are not always cheapest

Consumers constantly see and hear ads that promise big savings for switching from companies such as Geico, State Farm and Progressive. All the ads make the point of big savings if you move your policy.

How does every company offer drivers better rates? This is how they do it.

Insurance companies offer their best rates for the type of customer that will add to their bottom line. A good example of a driver they prefer could possibly be over the age of 40, has no tickets, and insures a new vehicle. Any person that meets those criteria gets the lowest car insurance rates and will most likely pay quite a bit less when switching companies.

Drivers who fall short of those criteria will be quoted a higher premium with the end result being the customer buying from someone else. The trick is to say “people that switch” not “all people who quote” save that much when switching. That’s why insurance companies can confidently make claims like that.

Because each company has a different risk profile, you should do a quote comparison often. It is impossible to predict with any certainty which company will have the best rates at this point in time.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Dodge RAM 350.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, damage from a tornado or hurricane, theft, a tree branch falling on your vehicle and hitting a bird. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, colliding with another moving vehicle, crashing into a ditch, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability

This will cover damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as repair costs for stationary objects, loss of income, funeral expenses and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as ambulance fees, prosthetic devices, nursing services and funeral costs. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Final considerations

When getting auto insurance quotes online, you should never skimp on coverage in order to save money. There have been many cases where someone sacrificed full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

You just learned some good ideas how to compare 1992 Dodge RAM 350 insurance premium rates online. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. Consumers could even find that the best price on car insurance is with a small mutual company.

People who switch companies do it for any number of reasons including unfair underwriting practices, policy non-renewal, an unsatisfactory settlement offer and even high prices. Regardless of your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

Even more information can be read in these articles: