Want lower insurance rates for your Dodge Ram Van? Are you regretting the purchase of an expensive insurance policy? Say no more because there are many consumers feeling the pinch from expensive insurance. Having so many different company options, it can be challenging to pick the lowest price insurer.
It’s a good idea to compare premium rates yearly because insurance prices tend to go up over time. If you had the best price for Ram van coverage at your last renewal a different company probably has better rates today. Ignore everything you know about insurance because we’re going to demonstrate one of the quickest ways to find better coverage at a better price.
Performing a rate comparison can take hours if you don’t utilize the best way to get rate quotes. You can waste hours driving to insurance companies in your area, or you could save time and use the internet to get the quickest rates.
Many popular insurance companies belong to a marketplace where prospective buyers submit their information once, and at least one company can give them a price for coverage. This system prevents you from having to do quote requests for each company. To find out how much you can save on auto insurance click here (opens in new window).
The only downside to using this type of form is buyers cannot specifically choose the companies you want to price. So if you prefer to pick specific insurance companies for rate comparison, we have a page of companies who write auto insurance in your area. View list of insurance companies.
Whichever method you choose, make darn sure you compare the same information on every price quote you get. If you enter different coverage information you will not be able to make a fair rate comparison.
When it comes to choosing adequate coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you will benefit from professional help.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Understanding the coverages of a insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as falling objects, hail damage, damage from flooding, vandalism and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical expense insurance
Coverage for medical payments and/or PIP provide coverage for expenses for things like EMT expenses, nursing services, ambulance fees and doctor visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your 1994 Dodge Ram Van.
Due to the fact that 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 is a good idea.
Collision protection
Collision coverage covers damage to your Ram Van resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as colliding with a tree, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.
Liability coverages
This protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability insurance covers claims like repair costs for stationary objects, bail bonds, attorney fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.