1992 Dodge Ram Wagon Insurance Quotes

Are you confused by the dozens of auto insurance companies that you can choose from? Many other drivers are as well. There are such a large number of options that it can easily turn into a real challenge to find the best prices.

It’s a good idea to compare rates before your next renewal due to the fact that insurance rates change frequently. Despite the fact that you may have had the best deal on Ram Wagon insurance a few years ago a different company probably has better prices today. Forget anything you know (or think you know) about auto insurance because you’re going to learn the best way to find lower rates on auto insurance.

Quote insurance coverage online

There are several ways to compare insurance coverage prices but some are less time-consuming than others. You could spend your day discussing policy coverages with local insurance agents in your area, or you could use the internet to get pricing more quickly.

All the larger companies belong to an insurance system that enables customers to only type in their quote data once, and each participating company can provide price quotes based on the submitted data. This prevents consumers from doing form submissions for each company.

To access this free quoting program, click here to open in new window.

The one disadvantage to comparing rates this way is you can’t choose which carriers you want to price. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make sure you use exactly the same deductibles and coverage limits on every quote you get. If your comparisons have different data you will not be able to make a fair rate comparison. Even a minor difference in insurance coverages or limits can result in a big premium difference. And when quoting insurance coverage, remember that comparing more company’s prices will improve the odds of getting better pricing.

Don’t be fooled by advertising claims

Insurance providers like Allstate and Progressive endlessly run ads on television and other media. All the companies make an identical promise that you’ll save big just by moving your policy. How is it plausible that every one can offer you a better deal? It’s all in the words they use.

Different companies quote their best rates for the type of customer that will generate a profit. For instance, this type of risk profile might be described as between 30 and 50, has few claims, and drives a lower-performance vehicle. Any person who matches that profile receives the best prices as well as pay quite a bit less when switching companies.

Drivers who are not a match for these stringent criteria will get higher premium rates and ends up with the driver buying from a lower-cost company. If you listen closely, the ads state “drivers that switch” but not “everyone who gets a quote” save money. That is how companies can truthfully advertise the savings.

Because of these techniques, you should get price quotes at each policy renewal. It’s just not possible to know the company that will provide you with the cheapest prices.

Lower your insurance premiums

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the factors that aid in calculating your premiums. When you understand what influences your rates, this allows you to make good choices that could help you find cheaper rates. Multiple criteria are part of the equation when premium rates are determined. Some are obvious such as your driving history, but other criteria are not quite as obvious like your vehicle usage or your financial responsibility.

The list below includes a few of the “ingredients” used by companies to determine your premiums.

  • Rural vs Urban Areas – Residing in areas with lower population may provide you with better prices when trying to find low car insurance rates. People who live in big cities have to deal with traffic congestion and more severe claims. Fewer people means fewer accidents and lower theft and vandalism rates.
  • Cheaper rates after marriage – Having a significant other may save some money on your policy. Having a spouse translates into being less irresponsible and insurance companies like that drivers who are married are more cautious.
  • Higher insurance coverage rates for stressful vocations – Jobs such as military generalsair traffic controllers and miners are shown to have the highest average rates attributed to stressful work requirements and lots of time spent at work. Other jobs such as actors, engineers and performers get better rates on Ram Wagon insurance.
  • Is your vehicle theft-ready? – Choosing to buy a car with a theft deterrent system can help lower your premiums. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent car theft.
  • Bad driving leads to higher costs – Careful drivers pay less for auto insurance as compared to careless drivers. Just one speeding ticket or other violation can increase the cost of insurance by as much as thirty percent. Drivers who have received dangerous citations such as hit and run, DWI or reckless driving convictions may find they need to prove financial responsibility with their state’s department of motor vehicles in order to continue driving.

Cheaper rates by taking advantage of discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but some discounts are required to be specially asked for before you will receive the discount.

  • Accident-Free Discounts – Insureds with no claims or accidents have much lower rates when compared with accident-prone drivers.
  • Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Multiple Vehicles – Buying insurance for multiple vehicles on a single policy qualifies for this discount.
  • Early Switch Discount – Some car insurance companies provide a discount for renewing your policy prior to your current policy expiration. It’s a savings of about 10%.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.
  • Discount for Passive Restraints – Options like air bags may earn rate discounts of more than 20%.
  • ABS Braking Discount – Anti-lock brake equipped vehicles are much safer to drive and the ABS can save up to 10%.
  • Policy Bundle Discount – When you have multiple policies with the same company you could get a discount of up to 20% and get you low cost insurance.

As a sidenote, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. So when the math indicates all those discounts means the company will pay you, nobody gets a free ride.

Companies that may include some of the above discounts are:

It’s a good idea to ask every company how you can save money. All car insurance discounts might not be offered on policies in your area.

How much auto insurance do I need?

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • Does my personal policy cover me when driving out-of-state?
  • When does my teenage driver need to be added to my policy?
  • Why do I only qualify for high-risk insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when driving in Canada or Mexico?
  • Does my policy cover my teen driver if they drive my company car?
  • Are rental cars covered under my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Specifics of your insurance policy

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision – Collision insurance covers damage to your Ram Wagon from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, rolling your car, hitting a mailbox and crashing into a ditch. 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. It’s also possible to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Dodge Ram Wagon.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like EMT expenses, doctor visits, ambulance fees and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, rock chips in glass and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance – This coverage protects you from damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, structural damage, medical expenses, legal defense fees and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

More quotes. Lower rates.

When shopping online for insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your objective should be to find the BEST coverage for the lowest cost, but do not skimp to save money.

Consumers switch companies for a number of reasons such as not issuing a premium refund, an unsatisfactory settlement offer, high rates after DUI convictions and extreme rates for teen drivers. No matter why you want to switch, switching insurance companies is not as difficult as it may seem.

We just showed you many ways to reduce 1992 Dodge Ram Wagon insurance rates online. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost insurance. You may even find the lowest rates are with a company that doesn’t do a lot of advertising.

More detailed insurance information is available at these sites: