Lower Your 1995 Dodge Ram Van Car Insurance Rates

Saving money on Driverscar insurance can seem to be a challenge for beginners to quoting and comparing rates online. People have so many companies to choose from that it can quickly become hard work to compare prices.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. Finding the best coverage is simple if you know the tricks. But drivers must know how companies compete online and take advantage of how the system works.

Insurance costs are influenced by these factors

A large part of saving on auto insurance is knowing the rating factors that help calculate the price you pay for auto insurance. If you understand what determines base rates, this allows you to make good choices that can help you get much lower annual insurance costs.

  • Know your vehicle’s crash test rating – Safer cars can get you lower premiums. These vehicles result in less severe injuries and fewer serious injuries means your insurance company pays less and lower rates for you.
  • Older drivers pay less – Young drivers have been known to be inattentive when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. If you’ve ever had to add a inexperienced driver to your policy will cause a huge premium hike. Older, more experienced drivers are viewed as being more responsible, are lower risk to insure , and usually have better credit.
  • Pay more out-of-pocket – Comp and collision deductibles define how much you are required to spend if you file a covered claim. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims are colliding with a stationary object, vandalism, and damage from wind. The higher the amount you have to pay, the less your company will charge you for insurance on Ram van coverage.
  • Do you know you’re credit score? – Having a good credit score factor in your rate calculation. If your credit could use some work, you may save money insuring your 1995 Dodge Ram Van by repairing your credit. Drivers with high credit ratings tend to be more responsible and file fewer claims than those with lower ratings.
  • Miles impacts premiums – The higher the miles on your Dodge in a year’s time the higher your rate. A lot of companies calculate prices determined by how the vehicle is used. Autos that do not get driven very much can get a lower rate than vehicles that have high annual mileage. Having an incorrect usage rating on your Ram Van may be costing you. Make sure your auto insurance policy correctly shows the correct usage.

Discounts for cheaper insurance rates

Companies offering auto insurance don’t list every policy discount in an easy-to-find place, so we took the time to find a few of the more well known and the harder-to-find discounts that you may qualify for. If you’re not getting every credit available, you could be saving more on your insurance.

  • Policy Bundle Discount – If you can combine your home and auto policy and insure them with the same company you could save nearly 15% which can help you find affordable car insurance.
  • Discount for Swiching Early – A few companies allow discounts for switching policies before your current policy expires. You can save around 10% with this discount.
  • College Student Discount – who are attending college and won’t have access to an insured vehicle can receive lower rates.
  • E-sign – A few larger online companies give back up to $50 for buying your policy on the web.
  • Active Service Discounts – Being on active deployment in the military can result in better premium rates.
  • Student Discount for Driver Training – Have your child participate in a local driver’s education class in school or through a local driver safety program.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could qualify for substantially lower prices.
  • Telematics Discount – Drivers who elect to allow data collection to scrutinize where and when they drive by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if their driving habits are good.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.

Policy discounts save money, but most discount credits are not given to all coverage premiums. Most cut specific coverage prices like medical payments or collision. So when it seems like it’s possible to get free car insurance, insurance companies aren’t that generous.

Popular insurance companies and a selection of discounts can be read below.

  • Farm Bureau has discounts for youthful driver, multi-policy, driver training, good student, and renewal discount.
  • State Farm offers discounts for defensive driving training, Drive Safe & Save, passive restraint, multiple policy, driver’s education, multiple autos, and anti-theft.
  • Progressive offers premium reductions for multi-policy, homeowner, online quote discount, continuous coverage, and good student.
  • Allstate has savings for 55 and retired, EZ pay plan discount, anti-theft, early signing, economy car, senior citizen, and resident student.
  • Nationwide discounts include good student, multi-policy, Farm Bureau membership, business or organization, anti-theft, family plan, and accident-free.
  • MetLife may include discounts for defensive driver, good driver, claim-free, good student, accident-free, and multi-policy.

When getting a coverage quote, ask every prospective company which discounts they offer. Some discounts may not apply to policyholders in your area. To locate insurers with discount rates, click here to view.

Can switching companies really save?

Progressive, Allstate and Geico constantly bombard you with television and radio advertisements. All the ads tend to make the same promise that you can save if you move your auto insurance coverage to their company. How do they all make the same claim? Just pay attention to how they say it.

All the different companies give the best rates for the driver that will most likely be profitable. An example of a profitable risk profile might have to be between 25 and 40, carries high limits, and chooses high deductibles. Anybody who fits those characteristics receives the best car insurance rates and most likely will save when they switch companies.

People who cannot meet those criteria will probably have to pay a higher premium which results in business not being written. Company advertisements say “people that switch” but not “all drivers who get quotes” save the amount stated. This is how insurance companies can make claims that they all have the best prices.

Because of this risk profiling, you really should compare price quotes frequently. It is just not possible to predict with any certainty which company will provide the lowest premium rates.

You may need specialized auto insurance coverage

When buying the best auto insurance coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • Can I rate high risk drivers on liability-only vehicles?
  • What are the best liability limits?
  • Should I rate my 1995 Dodge Ram Van as pleasure use or commute?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I buy only the required minimum liability coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when pulling a rental trailer?
  • What exactly is covered by my policy?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage information

Knowing the specifics of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability coverages

This will cover damage that occurs to other’s property or people. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like court costs, bail bonds, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses for things like surgery, hospital visits and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverage

This coverage pays for damage to your Ram Van resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, vandalism, theft and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This gives you protection from other motorists when they 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 Dodge Ram Van.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Shop Smart and Save

Low-cost 1995 Dodge Ram Van insurance is attainable online as well as from independent agents, so you should compare both to have the best rate selection. Some companies do not offer the ability to get quotes online and these smaller companies only sell coverage through independent agents.

When you buy car insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped collision coverage only to discover later that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Consumers switch companies for a variety of reasons including high prices, high rates after DUI convictions, delays in responding to claim requests and even unfair underwriting practices. It doesn’t matter what your reason, switching companies can be easier than you think.

More information can be found at these links: