1999 Dodge Ram Van Car Insurance Cost

Pretty sure you bought overpriced car insurance? Trust us when we tell you there are lots of people in the same boat. Big-name insurance companies like Allstate and Progressive all promote huge savings with fancy advertisements and it is difficult to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Learn how to lower your insurance costs

Part of the auto insurance buying process is learning the rating factors that play a part in calculating the price you pay for auto insurance. When you understand what determines base rates, this empowers consumers to make smart changes that could result in better auto insurance rates.

  • Alarms and GPS tracking lower rates – Driving a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft and help lower rates.
  • Your credit score is important – Your credit score will be a significant factor in determining what you pay. Insureds with high credit ratings tend to be less risk to insure than drivers who have lower credit scores. If your credit history can use some improvement, you could save money insuring your 1999 Dodge Ram Van if you clean up your credit.
  • Save money by raising comp and collision deductibles – Comp and collision deductibles are the amount of money you are willing to pay if you file a covered claim. Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of covered claims are rearending another vehicle, fire damage, and damage caused by road hazards. The more expense the insured has to pay upfront, the less your auto insurance will be on Ram van coverage.
  • Policy lapses lead to higher premiums – Allowing your coverage to lapse is a sure-fire way to trigger a rate increase. In addition to paying higher premiums, being ticketed for driving with no insurance can result in a revoked license or a big fine. You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

How to buy auto insurance online

Most of the larger companies like Geico, State Farm and Progressive give coverage price quotes online. Obtaining pricing is quite easy because it’s just a matter of typing in your coverage information into a form. After you submit the form the company’s rating system automatically orders credit information and your driving record and gives you a price quote based on these and other factors. This makes it simple to compare prices but the process of having to visit multiple sites and type in the same information can get tiresome after awhile. But it is imperative to do this if you want to get better auto insurance pricing.

An easier way to lower your auto insurance bill uses one form that gets prices from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes online price comparison much more enjoyable and efficient. As soon as the form is sent, it is quoted with multiple companies and you can pick your choice of the quote results. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and may save quite a bit of money.

To get comparison pricing now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you copy as shown on your current policy. Using the same limits helps guarantee you’re receiving a price comparison using the exact same coverages.

Discount insurance rates

Insurance can be pricey, but there may be some discounts that you may not even know about. Many discounts should be triggered at the time of purchase, but some must be asked about prior to receiving the credit. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Good Student – Getting good grades may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students until age 25.
  • Early Switch Discount – A few companies offer discounts for signing up before your current coverage expires. The savings is around 10%.
  • Buy New and Save – Adding a new car to your policy can save up to 30% since newer vehicles are generally safer.
  • Use Seat Belts – Drivers who require all occupants to buckle up before driving can save 10% or more off the personal injury premium cost.
  • Anti-lock Brake System – Cars equipped with ABS or steering control are much safer to drive and will save you 10% or more.

Don’t be surprised that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.

Companies that may include many of the previously listed discounts include:

Check with all the companies how you can save money. All car insurance discounts may not be offered in your state. To find providers who offer cheap insurance quotes, click this link.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there is no perfect coverage plan. Every situation is different so your insurance needs to address that. For instance, these questions may help highlight whether you may require specific advice.

  • Where can I find high-risk insurance?
  • What happens if I owe more than my 1999 Dodge Ram Van is worth?
  • Is my custom paint covered by insurance?
  • Should I buy full coverage?
  • Should I bundle my homeowners policy with my auto?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

What insurance coverages do you need?

Knowing the specifics of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Collision coverage – This covers damage to your Ram Van resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, colliding with another moving vehicle, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive protection – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as falling objects, a tree branch falling on your vehicle, vandalism, damage from flooding and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages – Liability coverage provides protection from damage that occurs to other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like loss of income, emergency aid, structural damage and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage reimburse you for bills like funeral costs, nursing services, ambulance fees and dental work. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Smart shoppers get results

Throughout this article, we presented some good ideas how you can shop for 1999 Dodge Ram Van insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your auto insurance rates. You may even discover the best price on car insurance is with the smaller companies. These smaller insurers may have significantly lower auto insurance rates on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

When searching for cheap insurance coverage quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped collision coverage only to find out that the small savings ended up costing them much more. The goal is to find the BEST coverage for the lowest cost and still be able to protect your assets.

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