Save on 1998 Dodge Ram Wagon Insurance Cost

Price shopping your auto insurance might be challenging for drivers new to comparing prices online. Drivers have so many different companies and agents to choose from that it can easily turn into hard work to lower your prices.

If you currently have car insurance, you should be able to cut costs considerably using these methods. Shopping for the lowest cost protection is simple if you know the tricks. Nevertheless, drivers must learn the way companies price insurance differently because it can help you find the best coverage.

How to buy car insurance online

When shopping for car insurance there are multiple ways to obtain and compare prices from different companies. By far the easiest way to find the lowest 1998 Dodge Ram Wagon rates is to get quotes online. This can be accomplished in a couple of different ways.

The simplest way to get the best comparison quotes is a comparison rater form (click to open form in new window). This type of form prevents you from having to do a different quote for each company you want a rate for. A single form gets rate comparisons instantly. It’s the fastest way to compare.
A more time consuming way to find lower rates is spending the time to visit the website for each individual company and complete a new quote form. For sake of this example, let’s say you want to get rates from Auto-Owners, Farmers and American Family. To get each rate you have to visit each site and enter your policy data, which can take a lot of time. For a list of links to insurance companies in your area, click here.
Even if you have time, the least recommended way to find cheaper rates is actually driving to all the different insurance agencies. The internet eliminates the need for an insurance agent unless you prefer the professional assistance that can only be provided by a licensed insurance agent. However, consumers can comparison shop online and still use a local agent.

It’s your choice how you get your quotes, but make absolute certain that you use equivalent quote information with each company. If you are comparing different values for each quote it will be next to impossible to determine the lowest rate for your Dodge Ram Wagon. Slightly different coverages could throw off the whole comparison. Keep in mind that comparing all the rates in your area helps you find a lower rate. Some insurance companies are not set up to provide quotes online, so it’s important to compare price estimates on coverage from those companies, too.

Use discounts on insurance coverage

Insurance can be prohibitively expensive, but there could be significant discounts that you may not even be aware of. Some trigger automatically at the time you complete a quote, but some need to be asked for in order for you to get them.

Early Signing – Some larger companies provide a discount for buying a policy prior to your current policy expiring. The savings is around 10%.
Good Student – Performing well in school may save as much as 25% on a auto insurance quote. This discount can apply well after school through age 25.
E-sign – Some insurance companies will give a small break for buying a policy and signing up over the internet.
Full Payment Discount – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
Drive Less and Save – Low mileage vehicles may enable drivers to earn discounted rates on garaged vehicles.
Cautious Drivers – Drivers who don’t get into accidents could pay up to 40% less for Ram Wagon insurance compared to rates paid by drivers with frequent claims.

Just know that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way. But any discount will help reduce your insurance coverage premiums.

A list of companies and a selection of discounts include:

State Farm may include discounts for Steer Clear safe driver discount, multiple policy, driver’s education, student away at school, accident-free, passive restraint, and anti-theft.
Progressive offers discounts including online quote discount, online signing, multi-policy, multi-vehicle, homeowner, continuous coverage, and good student.
Progressive has savings for multi-vehicle, good student, online quote discount, multi-policy, and homeowner.
MetLife includes discounts for multi-policy, claim-free, good student, defensive driver, good driver, accident-free
Farm Bureau discounts include renewal discount, safe driver, good student, multi-vehicle, youthful driver, driver training, and 55 and retired.
Geico may have discounts that include daytime running lights, five-year accident-free, defensive driver, anti-theft, seat belt use, driver training, and military active duty.
SAFECO policyholders can earn discounts including drive less, anti-lock brakes, teen safe driver, accident prevention training, and homeowner.

If you need inexpensive auto insurance quotes, ask all the companies which discounts you qualify for. A few discounts may not apply to policyholders in your area. If you would like to see a list of insurance companies with discount insurance coverage rates, click here to view.

Tailor your insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions can help discover whether you will benefit from professional help.

What is medical payments coverage?
What is covered by UM/UIM coverage?
Does coverage extend to Mexico or Canada?
What vehicles should carry emergency assistance coverage?
Should I rate my 1998 Dodge Ram Wagon as pleasure use or commute?
When should my teen driver be added to my policy?
Is there coverage for injuries to my pets?

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, simply complete this short form.

Parts of your insurance policy

Understanding the coverages of insurance helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses such as ambulance fees, X-ray expenses, chiropractic care and nursing services. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Ram Wagon.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, hitting a parking meter, driving through your garage door, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Liability car insurance

This protects you from damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like attorney fees, emergency aid and bail bonds. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, hail damage, damage from getting keyed and damage from flooding. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.