2000 Dodge Ram Wagon Insurance Rates – 6 Ways to Save

I can’t think of anyone who looks forward to paying premiums for auto insurance, particularly when the cost is too high. Multiple auto insurance companies compete for your business, and because of this it can be hard to compare insurers to find the absolute lowest cost out there.

You need to price shop coverage occasionally because auto insurance rates change frequently. If you had the best deal on Ram Wagon insurance six months ago you may be paying too much now. Block out anything you think you know about auto insurance because I’m going to teach you how to use the internet to find better rates and still maintain coverage.

The cheapest insurance coverage

Getting more affordable 2000 Dodge Ram Wagon insurance coverage pricing can be relatively painless. Consumers just need to spend a few minutes comparing price quotes to discover which company has the cheapest insurance coverage quotes. Shoppers can get rates in several different ways.

1. Without a doubt, the easiest way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This style of form saves time by eliminating separate quotes for each price estimate. One quote request gets coverage cost estimates from several companies.
2. A slightly less efficient method to analyze rates is to manually visit the website for each individual company and repeat the quote process. For example, we’ll pretend you want to see prices from State Farm, Farmers and Liberty Mutual. You would need to go to each individual site and punch in your information repeatedly, and that explains why we recommend the first method.

   For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but try to keep exactly the same information for each comparison quote. If you enter different data you will not be able to determine which company has the best rates.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

• Is upholstery damage covered by car insurance?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I have coverage for damage caused while driving under the influence?
• Is my nanny covered when driving my vehicle?
• Are my tools covered if they get stolen from my vehicle?
• When can my company non-renew my policy?
• Do I really need UM/UIM coverage?
• Do I need more liability coverage?
• Is my custom paint covered by insurance?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short 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.

Car insurance 101

Knowing the specifics of your car insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages available from car insurance companies.

Liability auto insurance – This coverage will cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as bail bonds, repair costs for stationary objects, loss of income, court costs and medical services. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Dodge Ram Wagon.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, damage from getting keyed and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, sustaining damage from a pot hole, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like pain medications, surgery, doctor visits, hospital visits and nursing services. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover 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