Save on 1998 Dodge Ram Van Insurance Rates

Searching for lower car insurance rates for your Dodge Ram Van? Locating low-cost insurance for a Dodge Ram Van can be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to shop for car insurance so you’re going to learn the best way to compare rates for a new or used Dodge and get the cheapest rates.

You should take the time to shop coverage around before your next renewal because car insurance prices change regularly. Despite the fact that you may have had the best rates for Ram van insurance last year you may be paying too much now. There is a lot of bad advice regarding car insurance out there, but we’re going to give you some solid techniques on how to lower your car insurance rates.

Buying car insurance is easy if you know what you’re doing. If you have insurance now or need a new policy, you can learn to get lower rates and still get good coverage. Drivers only need an understanding of the best way to compare prices over the internet.

Auto insurance policy discounts

Companies offering auto insurance don’t always publicize the entire discount list in a way that’s easy to find, so the next list breaks down a few of the more common in addition to some of the lesser obvious auto insurance savings.

  • Discounts for Good Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance quote for Ram van insurance as compared to drivers with claims.
  • Include Life Insurance and Save – Insurance companies who offer life insurance give lower rates if you buy a life policy as well.
  • Full Payment Discount – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
  • Low Miles Discount – Fewer annual miles on your Dodge can earn slightly better premium rates than normal.
  • Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
  • Accident Forgiveness Coverage – Not really a discount, but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.
  • Military Discounts – Having an actively deployed family member could trigger a small discount.

Don’t be surprised that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, it just doesn’t work that way. But any discount should definitely cut the amount you pay for coverage.

A list of companies and a summarized list of policyholder discounts can be found below.

  • 21st Century offers discounts including air bags, anti-lock brakes, early bird, automatic seat belts, teen driver, student driver, and good student.
  • State Farm may offer discounts for anti-theft, student away at school, good student, accident-free, multiple policy, and safe vehicle.
  • AAA offers premium reductions for AAA membership discount, pay-in-full, multi-policy, good student, and multi-car.
  • Liberty Mutual may have discounts that include newly retired, preferred payment discount, teen driver discount, newly married, exclusive group savings, and safety features.
  • Progressive policyholders can earn discounts including good student, multi-vehicle, continuous coverage, multi-policy, online signing, and homeowner.

If you are trying to find low cost insurance quotes, ask all the companies which discounts can lower your rates. Savings might not be offered in your area.

How do I know if I need professional advice?

When buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

These are some specific questions could help you determine whether your personal situation may require specific advice.

  • Am I covered when driving in Canada or Mexico?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I missing any policy discounts?
  • Should I have combined single limit or split liability limits?
  • Do I have coverage when using my vehicle for my home business?
  • Why is insurance for a teen driver so high?
  • When would I need rental car insurance?
  • Is rental equipment covered for theft or damage?
  • Why am I required to get a high-risk car insurance policy?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and may give you better protection.

Don’t believe everything you hear

Consumers can’t avoid all the ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the companies advertise claims that you’ll save big if you change to their company.

How can each company charge less that you’re paying now? It’s all in the words they use.

Insurance providers give the cheapest rates for the type of customer that will not have excessive claims. For instance, a profitable risk profile could possibly be a married female, carries full coverage, and drives newer vehicles. Any person that matches those criteria is entitled to the best price and as a result will probably save a lot if they switch.

Consumers who don’t meet the requirements may be forced to pay higher rates and this can result in the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” can save as much as they claim. That is how companies can make it sound like they have such great rates. That is why you need to compare free insurance quotes often. It is impossible to guess which company will be your best fit.

Auto insurance policy coverages for a Dodge Ram Van

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses for things like X-ray expenses, pain medications, chiropractic care and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1998 Dodge Ram Van.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverages – This covers damage to your Ram Van from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, driving through your garage door, hitting a parking meter, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, falling objects, damage from flooding and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability – This coverage can cover injuries or damage you cause to a person or their property. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as emergency aid, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

More quotes. Lower rates.

Lower-priced 1998 Dodge Ram Van insurance is possible online and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not provide price quotes online and many times these small insurance companies only sell coverage through local independent agencies.

As you shop your coverage around, never buy poor coverage just to save money. There have been many cases where drivers have reduced collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at the best cost, but do not skimp to save money.

People switch companies for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, high prices or even denial of a claim. It doesn’t matter what your reason, finding the right auto insurance provider is actually quite simple.

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