View 1993 Dodge Ram Van Insurance Quotes

Do you get exhausted from paying out the nose to pay your insurance coverage bill each month? You have the same problem as many other drivers.

People have many insurance companies to choose from, and although it’s a good thing to have a selection, lots of choices makes it harder to find the lowest cost provider.

Locating the lowest cost protection can be fairly easy. Basically, every driver who carries insurance coverage most likely will be able to find better rates. But consumers need to have an understanding of how the larger insurance companies sell online and apply this information to your search.

Quote insurance online

Most major insurance companies provide prices for coverage on the web. Obtaining pricing is easy for anyone as you just enter your personal and coverage information into the form. Upon sending the form, their rating system obtains your driving and credit reports and gives you a price quote. This makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible if you are searching for lower prices.

Isn’t there an easier way to compare rates?

The easiest way to compare insurance pricing is to use a quote form that gets prices from several companies at one time. It saves time, eliminates form submissions, and makes online quotes much more efficient. Immediately after submitting the form, it is rated with multiple companies and you can pick your choice of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process only takes a few minutes and can result in significant savings.

If you want to find out if lower rates are available, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you enter the coverages identical to your current policy. Doing this assures you will be getting a price comparison for similar insurance coverage.

Everyone needs different car insurance coverages

When choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if your situation may require specific advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are my friends covered when driving my 1993 Dodge Ram Van?
  • Do I need roadside assistance coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I really need UM/UIM coverage?
  • Are rental cars covered under my policy?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Coverage specifics

Knowing the specifics of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages available from auto insurance companies.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, rock chips in glass, fire damage and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Dodge Ram Van.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – This covers damage to your Ram Van resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, scraping a guard rail, backing into a parked car, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Coverage for liability – This coverage provides protection from injuries or damage you cause to a person or their property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

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 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like medical expenses, repair costs for stationary objects, structural damage and court costs. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses for dental work, nursing services, funeral costs and hospital visits. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay