Compare 1993 Dodge RAM 350 Insurance Cost

Trying to find cheaper auto insurance rates for your Dodge RAM 350? Car owners that are new to comparing auto insurance rates on the web will find purchasing inexpensive insurance coverage is more work than they thought.

Insurance coverage quotes comparison

There are several ways of comparing rate quotes from insurance coverage companies in your area. The simplest method to comparison shop consists of shopping online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The most efficient way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for separate quote forms to each individual insurance coverage company. One form submission will return quotes from many national carriers. Just one form and you’re done.
  2. Another way to get comparison quotes requires visiting each company website to complete a price quote. For instance, let’s assume you want to get rates from Farmers, Allstate and Progressive. To find out each rate you need to go to each individual site to enter your coverage information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.

The approach you take is up to you, just do your best to use the exact same coverage information for each comparison quote. If you compare unequal deductibles or liability limits it will be nearly impossible to determine the lowest rate for your Dodge RAM 350. Quoting even small variations in insurance coverages or limits could skew the results. Just remember that having more price comparisons helps locate the best price. Some smaller insurers to not give online price quotes, so you also need to get quotes from the smaller companies as well.

More discounts mean affordable premiums

Insurance can cost an arm and a leg, but there could be significant discounts that you may not even know about. Certain discounts will be applied at quote time, but once in a while a discount must be manually applied before being credited.

  • Discounts for Seat Belt Usage – Requiring all passengers to buckle their seat belts can save a little off the personal injury premium cost.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on RAM 350 insurance with a few auto insurance companies.
  • Sign Early and Save – Some insurance companies provide a discount for switching companies before your current coverage expires. The savings is around 10%.
  • E-sign – A few companies provide a small discount for buying your policy on the web.
  • Pay Upfront and Save – By making one initial payment instead of making monthly payments you may reduce your total bill.
  • Driver Education Discount – Require your teen driver to enroll in driver’s education in high school.
  • Homeowners Pay Less – Owning your own home or condo can save a few bucks because maintaining a house shows financial diligence.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of up to 25% or more.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride.

A few companies that possibly offer these discounts include:

If you are trying to find low cost insurance coverage quotes, ask all companies you are considering how many discounts you can get. Discounts may not apply to policies in your area. To choose companies offering auto insurance discounts, follow this link.

It’s not one size fits all

When buying the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions could help you determine whether you may require specific advice.

  • What if I owe more than I can insure my car for?
  • Am I covered if I crash into my own garage door?
  • What is an SR-22 filing?
  • Is rental equipment covered for theft or damage?
  • Why is insurance for a teen driver so high?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, theft and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability

This can cover damage or injury you incur to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like attorney fees, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge RAM 350.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, hitting a mailbox and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses for things like surgery, EMT expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

A penny saved is a penny earned

The cheapest 1993 Dodge RAM 350 insurance can be bought on the web and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide the ability to get quotes online and usually these small insurance companies work with local independent agents.

Insureds switch companies for many reasons like delays in responding to claim requests, policy non-renewal, delays in paying claims or an unsatisfactory settlement offer. No matter why you want to switch, switching companies can be easy and end up saving you some money.

When shopping online for car insurance, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where someone dropped liability coverage limits and learned later they didn’t have enough coverage. Your objective should be to find the BEST coverage for the lowest cost, not the least amount of coverage.

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