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Dodge Ram Wagon Insurance Rates

You have many choices when comparing insurance rates on your Dodge vehicle. You can buy direct from your neighborhood insurance agent or go online to compare insurance costs of insurance providers. Comparing auto insurance by comparing rates online can be fast and easy, in addition you will probably save money.

If you've never shopped for auto insurance online, you may be confused by the hoards of companies competing for your business. Finding a better price on auto insurance can be quick and easy. Consumers just need to spend a few minutes comparing rates provided by online insurance companies. This can be done by getting a quick quote here.

Criteria which help determine Dodge insurance rates

Insurance rates on a Dodge Ram Wagon will vary greatly depending on several factors. A few of these criteria are:

  • Higher performance Ram Wagon vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Optional coverages like vehicle replacement
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

One last important factor that can impact the rate you pay on your Dodge is the year of manufacture. Models that are new have a higher value so the cost to replace them will push premiums up. But more recent Dodge vehicles may have options including forward-collision avoidance, adaptive cruise control, and active head restraints so those may help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Ram Wagon from the following list.

Auto liability insurance - This coverage will cover injuries or damage you cause to people or other property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision coverages - This coverage will pay to fix damage to your Dodge resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your Ram Wagon can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive insurance - This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Because many people 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 a good idea.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and may carry a deductible.

How Much are Dodge Ram Wagon Insurance Rates?