Cheap 1996 Dodge Ram Wagon Car Insurance Quotes

Car owners who just recently started comparing auto insurance prices on the web may discover locating cheaper car insurance can be quite challenging.

It’s a good idea to get comparison quotes at least once a year since rates trend upward over time. Even if you think you had the best premium rates for Ram Wagon coverage a few years ago you can probably find a better price now. You can find a lot of misleading information regarding insurance online but in this article, you’re going to get some proven techniques to quit paying high insurance rates.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Pricing affordable car insurance coverage can be fairly easy. But car owners benefit from understanding the way companies market insurance on the web and take advantage of how the system works.

How to find the cheapest insurance

Many insurance companies give prices directly from their websites. Getting quotes doesn’t take much effort because you just enter the coverages you want into the quote form. After the form is submitted, their system gets reports for credit and driving violations and returns pricing information based on these factors.

Online price estimates makes it simple to compare prices but the time required to go to many different websites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes if you are searching for better insurance pricing.

Isn’t there an easier way to compare rates?

The smarter way to get multiple rate quotes utilizes a single form to get prices from several different companies. It’s a real time-saver, reduces the work, and makes online shopping much more enjoyable. After sending your information, it gets priced and you can choose any of the returned quotes.

If a lower price is quoted, you simply finish the application and purchase the new policy. It takes less than 15 minutes and you will find out if you’re overpaying now.

To quickly use this form to compare rates, click here and input your coverage information. If you have coverage now, it’s recommended that you enter the coverages identical to your current policy. This guarantees you will get a rate comparison based on the exact same insurance coverage.

Insurance premium influencing factors

Smart consumers have a good feel for the different types of things that help determine car insurance rates. If you know what determines base rates, this allows you to make educated decisions that may result in lower premium levels. Many factors are used when pricing auto insurance. Some of the criteria are obvious like an MVR report, although some other factors are less obvious such as whether you are married or your commute time.

The items below are some of the items utilized by car insurance companies to help set your rates.

  • Proper usage rating affects premiums – The more you drive in a year’s time the higher your rates will be. Many insurance companies rate vehicles based on their usage. Autos that sit idle most of the time receive better premium rates than those used for commuting. It’s a good idea to make sure your vehicle rating is showing the proper vehicle usage, because improper ratings can cost you money. Having an incorrect usage rating on your Ram Wagon is throwing money out the window.
  • Where you call home is a factor – Living in a rural area has it’s advantages when insuring your vehicles. People in densly populated areas have to deal with more road rage incidents and higher rates of accident claims. Fewer drivers on the road corresponds to lower accident rates in addition to fewer liability claims.
  • Cautious drivers pay the best rates – Your driving record has a lot to do with how much you pay for insurance. Just one driving citation can boost insurance rates to the point where it’s not affordable. Careful drivers receive lower rates as compared to those with violations. Drivers who have received dangerous violations like reckless driving, hit and run or driving under the influence may find they need to complete a SR-22 with their state DMV in order to continue driving.
  • Responsible credit equals lower prices – Your credit rating factor in calculating your premium rate. Therefore, if your credit history is not that good, you could be paying less to insure your 1996 Dodge Ram Wagon by improving your rating. Insureds that have excellent credit tend to be better risks to insure than drivers with lower credit ratings.

Get lower-cost auto insurance quotes with discounts

Companies do not list all disounts in an easy-to-find place, so the list below gives a summary of some of the best known and also the more inconspicuous ways to save on auto insurance.

  • More Vehicles More Savings – Buying coverage for several vehicles with the same auto insurance company can get a discount for every vehicle.
  • Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more if you qualify.
  • Homeowners Savings – Just owning your own home may earn you a small savings because owning a home is proof that your finances are in order.
  • Passive Restraint Discount – Vehicles with factory air bags may qualify for discounts up to 30%.
  • Full Payment Discount – If you pay your bill all at once instead of making monthly payments you can avoid monthly service charges.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.
  • Telematics Devices – Drivers who agree to allow companies to look at driving habits by using a small device installed in their vehicle like Allstate’s Drivewise might see lower rates if they show good driving skills.
  • No Charge for an Accident – but certain companies allow you one accident before your rates go up if you are claim-free before the accident.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts will help reduce the amount you pay for coverage.

Car insurance companies that may have these money-saving discounts may include but are not limited to:

Before you buy a policy, ask all companies you are considering how you can save money. Discounts might not be offered everywhere. To find insurance companies that offer the discounts shown above, click this link.

Tailor your insurance coverage to you

When choosing adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions could help you determine whether you may require specific advice.

  • Is there coverage for injuries to my pets?
  • Am I covered when delivering products for my home-based business?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need an umbrella policy?
  • Where can I find DUI or SR-22 insurance?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Insurance coverages explained

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, a tree branch falling on your vehicle, damage from getting keyed, a broken windshield and damage from flooding. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for doctor visits, prosthetic devices and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability coverages

This will cover damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as legal defense fees, court costs, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as large an amount as possible.

Collision insurance

Collision coverage pays for damage to your Ram Wagon resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, sideswiping another vehicle, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Ram Wagon.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Have money to burn

In this article, we covered a lot of ways to lower your 1996 Dodge Ram Wagon insurance car insurance rates. The key thing to remember is the more rate quotes you have, the better your chances of lowering your premium rates. You may even discover the lowest priced auto insurance comes from a smaller regional carrier.

Drivers switch companies for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, policy non-renewal or even poor customer service. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

When shopping online for auto insurance, do not reduce coverage to reduce premium. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your aim should be to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.

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