How Much Does 1997 Dodge Ram Van Insurance Cost?

Shoppers have a choice when shopping for low-cost Dodge Ram Van insurance. They can either spend hours driving around getting price quotes or use the internet to get rate quotes.

There are more efficient ways to compare insurance coverage rates and we’ll show you the absolute fastest way to price shop coverage for a Dodge and find the lowest price from both online companies and local agents.

Take policy discounts and save

Car insurance is not cheap, but you may be missing some discounts that many people don’t even know exist. Certain discounts will be applied at quote time, but some need to be specially asked for in order for you to get them. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.

  • Telematics Data – Drivers who agree to allow their auto insurance company to look at their driving habits by installing a telematics device such as Progressive’s Snapshot might see lower rates if they are good drivers.
  • Discount for Low Mileage – Fewer annual miles on your Dodge can qualify you for discounted auto insurancerates on garaged vehicles.
  • Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts can save 10% or more off the medical payments premium.
  • Claim-Free Discount – Insureds with no claims or accidents have much lower rates compared to drivers with a long claim history.
  • Paperless Signup – Certain auto insurance companies provide a small discount simply for signing on the web.
  • Driver Training Discounts – Successfully completing a class that teaches safe driver techniques is a good idea and can lower rates depending on where you live.
  • Driver’s Ed – Teen drivers should enroll in driver’s education if offered at their school.
  • New Vehicle Savings – Putting coverage on a new car is cheaper because newer models have to meet stringent safety requirements.

One thing to note about discounts is that some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, you aren’t that lucky.

A few of the larger companies and their possible discounts are shown below.

  • State Farm has savings for accident-free, safe vehicle, multiple policy, good student, Drive Safe & Save, passive restraint, and student away at school.
  • Geico offers discounts for anti-theft, five-year accident-free, multi-policy, federal employee, defensive driver, and good student.
  • SAFECO policyholders can earn discounts including safe driver, drive less, homeowner, multi-car, teen safe driver, anti-theft, and accident prevention training.
  • Farmers Insurance includes discounts for teen driver, alternative fuel, distant student, business and professional, early shopping, and homeowner.
  • AAA may include discounts for pay-in-full, anti-theft, multi-car, good student, education and occupation, good driver, and AAA membership discount.
  • USAA may offer discounts for family discount, good student, loyalty savings, vehicle storage, defensive driver, military installation, and safe driver.

When quoting, ask each company what discounts are available to you. Depending on the company, some discounts may not apply to policies everywhere. To locate insurers that have a full spectrum of discounts, click this link.

Cheapest insurance quotes

Finding cheap insurance prices doesn’t have to be difficult. The only thing you need to do is spend a few minutes to get quotes to discover which company has cheaper insurance quotes. This is very easy and can be done by following the guidelines below.

  • The most recommended method to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing separate forms for every prospective company. Completing one form compares rates from multiple companies. This is perfect if you don’t have a lot of time.
  • Another way to shop for insurance online consists of visiting each company website and fill out a new quote form. For sake of this example, we’ll pretend you want to compare rates from Liberty Mutual, Safeco and GMAC. To do that, you would have to spend time on each company’s site and repeatedly enter your information, which explains why we recommend starting with the first method. For a list of links to companies insuring cars in your area, click here.
  • The hardest way to find lower rates is making phone calls or going to insurance agents’ offices. Quoting and buying insurance online eliminates the middleman unless your situation requires the extra assistance of a licensed agent. However, consumers can find lower rates online and get advice from an agent in your area.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverages and limits for every company. If each company quotes different liability limits you can’t possibly truly determine the lowest rate.

Which policy gives me the best coverage?

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

  • How can I find cheaper teen driver insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is extra glass coverage worth it?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How does medical payments coverage work?
  • Am I covered when driving a rental car?
  • Who is covered by my policy?
  • Where can I find high-risk insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does my insurance cover a custom paint job?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.

Learn about insurance coverages for a 1997 Dodge Ram Van

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, fire damage, damage from a tornado or hurricane and hail damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Ram Van.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

Liability auto insurance

Liability coverage protects you from damage that occurs to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair costs for stationary objects, emergency aid, medical expenses, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for dental work, surgery, funeral costs and hospital visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This pays for damage to your Ram Van caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

A little work can save a LOT of money

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.

In this article, we covered many tips how you can lower your 1997 Dodge Ram Van insurance car insurance rates. The most important thing to understand is the more you quote insurance, the better your chances of lowering your premium rates. Drivers may discover the best price on insurance is with a company that doesn’t do a lot of advertising.

There are still a few companies who do not offer the ability to get quotes online and usually these smaller providers provide coverage only through independent insurance agencies. More affordable insurance can be found both online and from local insurance agents, and you need to price shop both in order to have the best chance of saving money.

Additional insurance information can be found at the links below