1993 Dodge Ram Wagon Insurance Cost – 8 Policy Discounts

Nobody that owns a car looks forward to buying insurance coverage, especially knowing they are paying too much.

There are many insurers to buy insurance from, and although it’s a good thing to be able to choose, more choices can make it harder to locate the cheapest rates.

Buy insurance coverage online

Comparing insurance coverage rates can take hours if you don’t utilize the easiest way. You can waste hours talking about coverages with local insurance agents in your area, or you could use the web to accomplish the same thing much quicker.

Most car insurance companies belong to a marketplace that enables customers to enter their policy data once, and each company returns a competitive quote. This system prevents you from having to do form submissions for each company.

To submit your quote information now, click here to open in new window.

The one downside to getting quotes like this is buyers cannot specifically choose the companies to get pricing from. If you would rather choose individual companies to request quotes from, we have a page of low cost insurance coverage companies in your area. Click here to view list.

Compare rates however you want, just double check that you are using nearly identical quote data for each price quote. If your comparisons have mixed coverages you will not be able to make a fair comparison for your Dodge Ram Wagon. Quoting even small variations in coverage limits can make a big difference in price. And when quoting insurance coverage, remember that having more price comparisons helps you find the best offered rates.

Discount insurance coverage quotes

Some insurers don’t list every available discount very clearly, so the list below contains a few of the more common and also the lesser-known insurance coverage savings. If you are not receiving all the discounts you deserve, you are not getting the best rate possible.

  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars on one policy may reduce the rate for each vehicle.
  • E-sign Discounts – A handful of companies will give a small break get auto insurance online.
  • ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes can avoid accidents so companies give up to a 10% discount.
  • Drive Less and Save – Driving less could qualify for slightly better rates than normal.
  • Military Deployment Discount – Having a deployed family member can result in better premium rates.
  • Discount for Passive Restraints – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Discount for Swiching Early – Some insurance coverage companies reward drivers for buying a new policy prior to your current policy expiring. This can save 10% or more.
  • Defensive Driving Course – Successfully completing a defensive driver course is a good idea and can lower rates and easily recoup the cost of the course.

Drivers should understand that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, nobody gets a free ride.

For a list of insurance companies who offer free insurance coverage quotes, follow this link.

Tailor your insurance coverage to you

When buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Are rental cars covered under my policy?
  • What is no-fault insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Learn about insurance coverages for a 1993 Dodge Ram Wagon

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on most insurance policies.

Liability auto insurance – Liability insurance can cover damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as legal defense fees, bail bonds, pain and suffering, funeral expenses and structural damage. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like pain medications, ambulance fees, X-ray expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

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

Collision can pay for things such as backing into a parked car, colliding with a tree, colliding with another moving vehicle 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 raise the deductible to get cheaper collision coverage.

Comprehensive insurance – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, damage from a tornado or hurricane, rock chips in glass, vandalism and theft. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your 1993 Dodge Ram Wagon.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Knowledge is power

You just read quite a bit of information on how to get a better price on 1993 Dodge Ram Wagon insurance. The most important thing to understand is the more times you quote, the better likelihood of getting cheap auto insurance. Consumers may even find the best price on insurance coverage is with a smaller regional carrier. Smaller companies often have lower rates on specific markets as compared to the big name companies such as Geico and State Farm.

When getting auto insurance quotes online, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

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