1992 Dodge Ram Van Insurance Rates – 7 Policy Discounts

Feel like you have an expensive insurance policy? Trust us when we tell you there are lots of residents who feel the same.

There are many car insurance companies to purchase coverage from, and though it is a good thing to have a selection, it can be more difficult to compare rates and cut insurance costs.

Finding the cheapest auto insurance is easy if you know what you’re doing. Essentially everyone who has to buy auto insurance stands a good chance to be able to find better rates. But drivers do need to learn how companies sell insurance online and take advantage of how the system works.

How to compare car insurance quotes

Comparing car insurance rates can take hours if you don’t utilize the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could save time and use the internet for quick rates.

Many companies participate in an industry program that allows shoppers to enter their policy data once, and every company provides a quote based on the submitted data. This eliminates the need for quotation requests to each company.

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

The one downside to doing it this way is you can’t choose which providers you will receive quotes from. So if you want to select specific providers for rate comparison, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just do your best to use apples-to-apples coverages and limits on every price quote you get. If you use different liability limits you will not be able to determine which rate is truly the best. Even a minor difference in insurance coverages or limits could throw off the whole comparison. Just keep in mind that making a lot of price comparisons gives you a better chance of getting better pricing.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different so this has to be addressed. These are some specific questions could help you determine if your situation may require specific advice.

  • What is the minimum liability in my state?
  • Should I waive the damage coverage when renting a car?
  • Will my rates increase for filing one claim?
  • Do I have newly-aquired coverage?
  • Does coverage extend to my business vehicle?
  • What discounts do I qualify for?
  • Does my 1992 Dodge Ram Van need full coverage?
  • Am I covered if I drive in a foreign country?

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. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Car insurance 101

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, backing into a parked car, colliding with another moving vehicle, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Medical costs insurance – Med pay and PIP coverage reimburse you for immediate expenses like surgery, doctor visits and pain medications. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, damage from getting keyed, theft, damage from flooding and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance – This coverage can cover damage that occurs to other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as emergency aid, legal defense fees, repair costs for stationary objects, pain and suffering and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.