Save on 2002 Dodge Ram Wagon Insurance Quotes

Finding affordable auto insurance over the internet is challenging for consumers new to quoting and comparing rates and buying auto insurance on the web. With a ridiculous number of online companies available, how can drivers be able to compare every one to find the best available price?

How car insurance companies determine Dodge Ram Wagon insurance rates

Many factors are considered when premium rates are determined. A few of the factors are predictable such as your driving record, but other factors are more transparent like where you live or how safe your car is.Smart consumers have a good feel for a few of the rating criteria that go into determining auto insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with lower auto insurance prices.

The itemized list below are some of the most common factors used by insurance companies to determine prices.

  • How do annual miles impact rates? – The higher the mileage driven in a year the more you’ll pay to insure it. Many insurance companies charge rates partially by how you use the vehicle. Autos that sit idle most of the time qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance declarations sheet reflects the correct usage, because it can save money. Having the wrong rating on your Ram Wagon can cost quite a bit.
  • Costs impacted by your city – Living in less populated areas may provide you with better prices when talking about auto insurance. Less people means a lower chance of having an accident. Residents of big cities tend to have more traffic problems and more time behind the wheel. Spending more time driving translates into higher accident risk.
  • Only buy coverage you need – There are a lot of extra coverages that can waste your money if you aren’t diligent. Insurance for rental car coverage, towing coverage, and extra equipment coverage could be just wasting money. You may think they are a good idea when you first buy your policy, but if you have no use for them remove them from your policy.
  • Is your vehicle theft-ready? – Driving a car that has an advanced theft prevention system can save you some money. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.

Auto insurance discounts help slash rates

Insurance can cost an arm and a leg, but there could be available discounts that you may not even know about. Certain reductions will be credited at the time of quoting, but occassionally some discounts must be asked for prior to receiving the credit.

  • Accident-Free Discounts – Good drivers with no accidents pay much less in comparison with drivers who are more careless.
  • Discounts for Government Workers – Having worked for a branch of the government can earn a discount up to 10% on Ram Wagon insurance with some auto insurance companies.
  • Discount for Life Insurance – Select auto insurance companies reward you with a discounted auto insurance rate on car insurance if you buy life insurance.
  • Smart Student Discounts – Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off PIP or medical payments premium.
  • Defensive Driver – Taking a defensive driver course may get you a small discount if you qualify.
  • E-sign Discounts – A few insurance companies will give a small break just for signing your application online.

Remember that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. Just because you may think it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A list of companies and a partial list of their discounts are outlined below.

  • State Farm may have discounts that include anti-theft, good driver, safe vehicle, Steer Clear safe driver discount, multiple policy, and student away at school.
  • Nationwide has discounts for anti-theft, business or organization, multi-policy, good student, accident-free, and defensive driving.
  • Geico offers discounts including five-year accident-free, anti-lock brakes, military active duty, emergency military deployment, seat belt use, and daytime running lights.
  • AAA offers premium reductions for good driver, education and occupation, good student, AAA membership discount, anti-theft, and multi-policy.
  • 21st Century may include discounts for good student, air bags, student driver, teen driver, and 55 and older.
  • The Hartford policyholders can earn discounts including defensive driver, anti-theft, bundle, air bag, and driver training.

If you need lower rates, check with each company how you can save money. Some credits may not apply to policyholders everywhere. To choose providers that provide some of the discounts listed above, click this link.

Save $447 a year. For real?

Insurance providers like 21st Century, Allstate and State Farm constantly bombard you with television, radio, and online ads. They all seem to make the point about savings if you change your policy. How does every insurance company save you money? This is how they do it.

Most companies quote their best rates for the type of driver that will generate a profit. A good example of a desirable risk may be over the age of 40, has other policies, and has a high credit rating. A driver who fits that profile may get the lowest premium rates and will probably cut their rates substantially.

People who don’t measure up to those criteria will see a higher rate which translates to the customer not buying. The ads state “drivers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can truthfully make claims like that.

Different companies use different criteria so you should get price quotes at each policy renewal. It’s just too difficult to predict the company that will give you the biggest savings.

Which is the best auto insurance?

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if you might need professional guidance.

  • At what point should I drop full coverage?
  • What is the difference between comprehensive and collision coverage?
  • What is medical payments coverage?
  • Am I covered if hit by an uninsured driver?
  • Does coverage extend to my business vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Educate yourself about car insurance coverages

Understanding the coverages of a car insurance policy can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, damage from getting keyed, hitting a deer and vandalism. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like rehabilitation expenses, nursing services, chiropractic care, funeral costs and hospital visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Ram Wagon.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Collision protection

This covers damage to your Ram Wagon caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability insurance

Liability coverage will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as structural damage, funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Better coverage you can count on

Insureds change insurance companies for many reasons like high prices, lack of trust in their agent, high rates after DUI convictions or even delays in responding to claim requests. Regardless of your reason, finding the right car insurance provider is not as hard as you think.

In this article, we presented a lot of ways to lower your 2002 Dodge Ram Wagon insurance auto insurance rates. The key thing to remember is the more companies you get premium rates for, the better likelihood of getting low cost car insurance. You may even discover the most savings is with a smaller regional carrier.

Cheaper car insurance is available from both online companies and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not offer the ability to get a quote online and most of the time these smaller providers prefer to sell through local independent agents.

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