1994 Dodge Ram Pickup 1500 Insurance Quotes – 10 Tricks for Cheaper Rates

Drivers have a choice when trying to find affordable Dodge Ram Pickup 1500 insurance. They can either waste time driving around getting price quotes or use the internet to make rate comparisons. There is a right way and a wrong way to find insurance online and you need to know the absolute fastest way to price shop coverage for a new or used Dodge and find the best price possible.

Smart consumers take time to compare rates at least once a year since insurance rates change frequently. Just because you had the best deal for Ram pickup insurance on your last policy other companies may now be cheaper. There is a lot of bad advice regarding insurance online, but you can learn some guaranteed methods to lower your insurance bill.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you will most likely be able to save some money using these tips. Vehicle owners just need to learn the best way to compare company rates over the internet.

Which insurance coverage is cheapest?

Getting cheap 1994 Dodge Ram Pickup 1500 insurance coverage pricing can be relatively painless. All that’s required is to invest a few minutes comparing rates to discover which company has affordable insurance quotes. Rate comparisons can be done in several different ways.

The most efficient way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This style of form saves time by eliminating separate quote forms for each company you want a rate for. A single, simple form gets prices estimates from several companies. It’s definitely the quickest method.

Another way to analyze rates consists of visiting each company website and fill out their own quote form. For sake of this example, let’s assume you want to compare prices for Geico, Farmers and Progressive. To get rate quotes you would need to go to every website and repeatedly enter your information, which can get old fast.

To view a list of companies in your area, click here.

Take whichever approach you prefer, but make sure you compare the exact same coverage limits for each quote you get. If the quotes have different deductibles it’s impossible to get a fair rate comparison.

When should I discuss my situation with an agent?

When buying the best car insurance coverage, there is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if your situation may require specific advice.

Is my trailer covered?
What is PIP insurance?
When would I need additional glass coverage?
Does my insurance cover a custom paint job?
Can I pay claims out-of-pocket if I buy high deductibles?
Do I need replacement cost coverage on my 1994 Dodge Ram Pickup 1500?
At what point should I drop full coverage?
Do I have coverage if my license is suspended?
Should I get collision insurance on every vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, rock chips in glass, hitting a deer, vandalism and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like attorney fees, medical services, legal defense fees, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Ram Pickup 1500.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Auto collision coverage

This coverage pays for damage to your Ram Pickup 1500 caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as chiropractic care, hospital visits, nursing services, doctor visits and ambulance fees. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible