1993 Dodge Ram 50 Pickup Insurance Quotes – 7 Policy Discounts

Feeling guilty for buying an overpriced insurance policy? It’s a common feeling and many consumers are in the same pinch. Because you have many insurance companies to choose from, it can be hard to choose the most affordable company.

You should take the time to check insurance prices every six months because insurance rates go up and down regularly. If you had the lowest rate on Ram 50 pickup coverage a year ago you will most likely find a better price today. You’ll find a ton of advice on insurance on the web, but by reading this article, you’re going to learn a bunch of ideas how to find cheap insurance.

Finding affordable coverage is quite easy. If you have a policy now or are just looking to switch companies, you can use this information to shop for the lowest rates and possibly find even better coverage. Drivers just need to know the most effective way to buy insurance on the web.

The quickest method to compare rate quotes is to know the fact most insurance companies provide online access to compare rate quotes. All you need to do is provide information like how your vehicles are used, if it has an anti-theft system, if you went to college, and whether you are single or married. Your information gets transmitted to all major companies and you will receive price estimates instantly to find the best rate.

If you would like to compare rates now, click here and find out if you can get cheaper insurance.

Lower rates by qualifying for these seven discounts

The cost of insuring your cars can be expensive, but there are discounts available that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be specifically requested prior to getting the savings.

  • Good Students Pay Less – A discount for being a good student may save you up to 25%. Many companies even apply the discount to college students until age 25.
  • ABS Brakes – Cars with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Government Employee Discount – Active or former government employment may qualify for a discount when you quote car insurance on Ram 50 pickup coverage with certain companies.
  • Distant Student Discount – Any of your kids who live away from home at college and don’t have a car could get you a discount.
  • Discount for Low Mileage – Fewer annual miles on your Dodge could earn slightly better premium rates than normal.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts could see savings of 25 to 30%.

We need to note that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. Just because it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. Any amount of discount should definitely cut your overall bill.

Companies and some of the discounts include:

  • State Farm may offer discounts for Steer Clear safe driver discount, multiple autos, defensive driving training, driver’s education, passive restraint, anti-theft, and student away at school.
  • Farmers Insurance has savings for early shopping, electronic funds transfer, mature driver, business and professional, and pay in full.
  • Geico may have discounts that include membership and employees, multi-vehicle, anti-theft, good student, federal employee, defensive driver, and military active duty.
  • American Family offers premium reductions for bundled insurance, multi-vehicle, air bags, good driver, early bird, and TimeAway discount.
  • Nationwide may include discounts for defensive driving, easy pay, family plan, anti-theft, good student, accident-free, and multi-policy.
  • Progressive offers discounts for online quote discount, continuous coverage, multi-policy, multi-vehicle, good student, and homeowner.

When quoting, ask all the companies which credits you are entitled to. A few discounts may not be available in every state.

Insurance coverage is unique, just like you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help highlight whether or not you will benefit from professional help.

  • How much can I save by bundling my policies?
  • I have a DUI can I still get coverage?
  • I have health insurance so do I need medical payments coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How do I file an SR-22 for a DUI in my state?
  • Does liability extend to a camper or trailer?
  • Does my 1993 Dodge Ram 50 Pickup qualify for pleasure use?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Insurance policy coverages for a Dodge Ram 50 Pickup

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by insurance companies.

Liability insurance – This coverage provides protection from damage that occurs to a person or their property. 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 policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as legal defense fees, court costs, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Dodge Ram 50 Pickup.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision – Collision coverage covers damage to your Ram 50 Pickup resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, hitting a bird, hitting a deer and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for expenses like doctor visits, X-ray expenses and chiropractic care. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Find Good Coverage for Less

Lower-priced 1993 Dodge Ram 50 Pickup insurance can be found from both online companies in addition to local insurance agencies, so you need to shop car insurance with both to have the best selection. Some car insurance companies do not provide online price quotes and usually these regional insurance providers prefer to sell through local independent agents.

When searching for the cheapest car insurance quotes, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

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