1995 Dodge Ram Wagon Insurance Quotes

Looking for cheaper insurance rates for your Dodge Ram Wagon? No car owner rejoices having to buy insurance, in particular when their premiums are through the roof.

Companies like State Farm, Farmers Insurance, Geico and Allstate all claim big savings, bombarding you with ad campaigns and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

You should take the time to take a look at other company’s rates quite often since insurance prices go up and down regularly. Despite the fact that you may have had the best price for Ram Wagon coverage last year you can probably find a better rate quote now. Ignore everything you know about insurance because we’re going to demonstrate the easiest way to buy cheaper insurance.

Insurance coverage rates and discounts

Car insurance is not cheap, but you may find discounts to help bring down the price. Most are applied at quote time, but some discounts are required to be manually applied in order for you to get them.

  • Accident Free – Drivers who don’t have accidents pay much less as opposed to frequent claim filers.
  • Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% compared to insuring an older model.
  • Government Employees – Having worked for a branch of the government may reduce rates when you quote insurance coverage for Ram Wagon coverage with select insurance companies.
  • Early Payment Discounts – By paying your policy upfront as opposed to paying monthly you can avoid monthly service charges.
  • Discounts for Good Drivers – Insureds without accidents can save as much as half off their rates for Ram Wagon coverage as compared to drivers with claims.
  • Driver Safety – Completing a course in safe driver could cut 5% off your bill if you qualify.
  • Lower Rates for Military – Being deployed with a military unit could trigger a small discount.

It’s important to understand that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though you would think having all the discounts means you get insurance for free, you won’t be that lucky.

To view insurance coverage companies who offer online insurance coverage quotes, click here.

Auto insurance quotes comparison

Effectively comparing auto insurance prices can be a lot of work if you don’t utilize the most efficient way. You could spend your day talking about coverages with insurance agencies in your area, or you can utilize online quotes to quickly compare rates.

Most car insurance companies belong to an insurance system that allows shoppers to complete one form, and at least one company then gives them pricing. This saves time by eliminating form submissions to every company.

To find out how much you can save on auto insurance click to open in new window.

One minor caviat to using this type of system is you are unable to specify which carriers to receive prices from. If you would rather choose specific providers to compare, we have a page of auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just try to use the exact same coverage information for every company. If each company quotes different deductibles it will be next to impossible to make a fair comparison for your Dodge Ram Wagon. Even a minor difference in coverage limits can make a big difference in price. Keep in mind that obtaining a wide range of quotes will increase your chances of finding more affordable insurance.

Situations that may require an agent’s advice

When choosing adequate coverage, there really is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight if your situation will benefit from professional help.

  • Am I missing any policy discounts?
  • Can I get a multi-policy discount?
  • Which companies will insure high-risk drivers?
  • Does coverage extend to my business vehicle?
  • Can my babysitter drive my car?
  • Is there coverage for injuries to my pets?
  • What is the ISO rating for a 1995 Dodge Ram Wagon?
  • Am I covered when using my vehicle for business?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance policy coverages for a Dodge Ram Wagon

Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Collision coverage – This covers damage to your Ram Wagon caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, scraping a guard rail, backing into a parked car, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses for chiropractic care, funeral costs, EMT expenses, nursing services and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, fire damage, damage from a tornado or hurricane, hitting a deer and falling objects. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance – This coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like legal defense fees, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Buy online or local, you save

In this article, we covered many ways to lower your 1995 Dodge Ram Wagon insurance rates. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Drivers may discover the most savings is with a lesser-known regional company. They may cover specific market segments cheaper as compared to the big name companies such as Progressive and Geico.

Cost effective 1995 Dodge Ram Wagon insurance can be purchased on the web as well as from insurance agents, so get free insurance coverage quotes from both of them in order to have the best price selection to choose from. There are still a few companies who don’t offer online price quotes and most of the time these regional insurance providers only sell coverage through independent agencies.

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