How Much Does 1996 Dodge Ram Van Insurance Cost?

Being forced to pay for high-priced insurance coverage premiums can dwindle your budget and make it hard to pay other bills. Comparing cost estimates can lower your rates and help to cut your insurance bill.

Big-name insurance companies like Allstate, Progressive and Geico promote their brand names with fancy advertisements and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

How car insurance companies determine Dodge Ram Van insurance costs

Many things are considered when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are not as apparent like your vehicle usage or how safe your car is.

  • High credit rating translates to low premiums – An insured’s credit rating can be a huge factor in calculating your premium rate. Drivers with good credit tend to file fewer claims and have better driving records than drivers with bad credit. If your credit rating is lower than you’d like, you could potentially save money when insuring your 1996 Dodge Ram Van by improving your credit score.
  • Never go without auto insurance – Having a gap between insurance policy dates can be a quick way to trigger a rate increase. Not only will rates go up, being ticketed for driving with no insurance could result in a license revocation or jail time.
  • Where you live – Living in a rural area can be a good thing when talking about auto insurance. Residents of big cities have to deal with more traffic problems and higher rates of accident claims. Fewer drivers on the road translates into fewer accidents in addition to lower liability claims
  • Low comp and collision deductibles mean high rates – Physical damage protection, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some instances where coverage would apply could be collision with another vehicle, hail damage, and damage from a fallen tree branch. Physical damage deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. The higher the amount you have to pay, the bigger discount you will receive on Ram van insurance.
  • Is you employer costing you more? – Careers such as fire fighters, business owners and accountants have higher rates than average due to intense work-related stress and lots of time spent away from family. Conversely, jobs such as actors, athletes and retirees pay lower than average rates on Ram van insurance.
  • Extra policy coverages are wasting money – Policies have additional coverages that can waste your money on your 1996 Ram Van policy. Coverages for coverage for rental cars, accidental death, and term life insurance may be costing you every month. These coverages may sound good at first, but if you don’t need them remove them and pocket the money.
  • Older drivers are lower risk – More mature drivers are more responsible, are lower risk to insure and receive fewer citations.Young drivers are statistically proven to be inattentive when driving with friends therefore auto insurance rates are much higher.

Cheapest insurance quotes

To find inexpensive insurance quotes, there are several ways to get quotes from many insurance companies in your state. The simplest method to find the cheapest 1996 Dodge Ram Van insurance rates is to get quotes online. This can be done in several different ways.

  1. If you’re in a hurry, the quickest way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This quick form saves time by eliminating multiple quote forms for every company. One quote request compares rates instantly.
  2. A different way to shop for insurance online requires a visit to each company website to complete their respective quote request forms. For examples sake, we’ll assume you want to compare prices for Farmers, Progressive and Geico. You would need to go to every website and repeatedly enter your information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

How you compare quotes is your choice, just ensure you are comparing exactly the same quote information on every quote. If you are comparing different coverage information it will be very difficult to make an equal comparison. Just slight variations in coverage limits can make a big difference in price. And when comparison shopping, comparing more quotes will improve the odds of getting more affordable insurance. Some companies don’t provide quotes online, so it’s important to also get prices on coverage from those companies, too.

Do you qualify for discount car insurance?

Insurance can be prohibitively expensive, but there’s a good chance there are discounts to reduce the price significantly. Some of these disounts will be visible at the time of quoting, but a few need to be asked for in order for you to get them. If you do not double check each discount you qualify for, it’s possible you qualify for a lower rate.

  • Homeowners Discount – Simply owning a home can help you save on car insurance since home ownership is proof that your finances are in order.
  • Discounts for New Vehicles – Buying a new car instead of a used car is cheaper compared to insuring an older model.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and qualify for as much as a 10% discount.
  • Discounts for Multiple Vehicles – Having several vehicles with the same company may reduce the rate for each vehicle.
  • Defensive Driver Discounts – Completing a class that teaches safe driver techniques could earn you a small percentage discount and also improve your driving technique.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up can save a little on medical payment and PIP coverage.
  • Multi-line Discount – Companies who offer life insurance give a lower car insurance rate if you buy life insurance.
  • No Claim Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance quote compared to accident-prone drivers.
  • Anti-lock Brakes – Cars and trucks with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
  • Save over 55 – Drivers that qualify as senior citizens could receive a slight reduction on a insurance quote on Ram van insurance.

As a footnote on discounts, most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, that’s just not realistic.

Companies and the discounts they provide are outlined below.

  • Progressive has savings for homeowner, good student, continuous coverage, online quote discount, and multi-vehicle.
  • AAA discounts include anti-theft, pay-in-full, AAA membership discount, multi-car, education and occupation, good student, and good driver.
  • Farmers Insurance has discounts for business and professional, alternative fuel, electronic funds transfer, mature driver, youthful driver, teen driver, and homeowner.
  • Geico offers discounts for driver training, defensive driver, air bags, good student, and military active duty.
  • Esurance policyholders can earn discounts including online shopper, good student, DriveSense, anti-lock brakes, Switch & Save, and multi-policy.
  • SAFECO may have discounts that include accident prevention training, teen safety rewards, teen safe driver, safe driver, and homeowner.
  • State Farm includes discounts for student away at school, defensive driving training, good driver, multiple policy, accident-free, multiple autos, and Steer Clear safe driver discount.

If you are trying to find affordable insurance quotes, ask all the companies which discounts you qualify for. A few discounts may not be offered in your area. If you would like to view providers that offer the discounts shown above, click here.

What insurance coverages do I need?

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help highlight whether or not you would benefit from professional advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my car insurance cover rental cars?
  • Is a blown tire covered by insurance?
  • Am I covered if I crash into my own garage door?
  • Do I pay less for low miles?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Having a good grasp of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a building, driving through your garage door and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Dodge Ram Van.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for immediate expenses like prosthetic devices, surgery, EMT expenses, chiropractic care and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from flooding, hail damage, vandalism and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability – Liability insurance provides protection from injuries or damage you cause to people or other property. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as repair bills for other people’s vehicles, loss of income, attorney fees, legal defense fees and medical services. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

One last thing

We just showed you many tips how you can reduce 1996 Dodge Ram Van insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the most savings is with some of the lesser-known companies. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

When shopping online for insurance coverage, never buy poor coverage just to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at the best price, but do not skimp to save money.

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