1990 Dodge RAM 150 Car Insurance Cost – 7 Tips for Best Prices

Finding cheaper insurance for your Dodge RAM 150 can turn out to be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to buy auto insurance and we’ll show you the absolute fastest way to quote coverages for a new or used Dodge and find the best price possible.

It’s important to price shop coverage once or twice a year because rates tend to go up over time. If you had the best deal on RAM 150 coverage a few years ago a different company probably has better prices today. Ignore everything you know about auto insurance because it’s time to teach you one of the easiest ways to save money, get proper coverage and the best rates.

Buying the cheapest car insurance coverage is not that difficult. If you are insured now or are just looking to switch companies, you can learn to find better prices while maintaining coverages. Drivers just need to know the best way to buy car insurance online.

Seven discounts for lower-cost insurance rates

Insurance is easily one of your largest bills, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be asked for before they will apply. If you do not check that you are getting every discount you qualify for, you could be getting lower rates.

• Full Payment Discount – If you pay your bill all at once rather than paying monthly you can avoid the installment charge.
• Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in high school.
• Discounts for Good Drivers – Insureds who avoid accidents could pay up to 40% less on RAM 150 coverage than drivers with accidents.
• Renewal Discounts – A few companies offer discounts for buying a new policy before your current coverage expires. You can save around 10% with this discount.
• Telematics Discount – Insureds who allow their insurance company to scrutinize where and when they drive remotely such as State Farm’s In-Drive may see discounts if their driving habits are good.
• Claim Free – Drivers with accident-free driving histories can save substantially in comparison to insureds who have frequent claims or accidents.

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A list of companies and the discounts they provide can be found below.

• State Farm offers premium reductions for defensive driving training, anti-theft, good student, safe vehicle, Steer Clear safe driver discount, Drive Safe & Save, and accident-free.
• Geico includes discounts for multi-policy, air bags, defensive driver, anti-theft, and good student.
• Progressive has discounts for online signing, homeowner, continuous coverage, good student, and online quote discount.
• 21st Century may include discounts for defensive driver, student driver, early bird, air bags, 55 and older, and automatic seat belts.
• American Family may offer discounts for Steer into Savings, good student, mySafetyValet, defensive driver, early bird, accident-free, and TimeAway discount.
• The Hartford policyholders can earn discounts including air bag, anti-theft, vehicle fuel type, good student, bundle, defensive driver, and driver training.
• AAA has savings for multi-car, multi-policy, good driver, good student, education and occupation, pay-in-full, and AAA membership discount.

When quoting, ask every company which discounts you qualify for. Some of the discounts discussed earlier may not be available in every state. If you would like to choose from a list of insurance companies that offer multiple discounts, click this link.

Affordable car insurance

All the larger car insurance companies make it easy to get coverage prices on their websites. Doing online quotes is easy for anyone as all you need to do is type in the coverages you want as detailed in the form. When the form is submitted, their system will obtain reports for credit and driving violations and returns pricing information.

This makes it simple to compare prices but the process of having to visit different websites and enter the same data into a form is a waste of time. But it’s absolutely necessary to have as many quotes as possible in order to get the best price on car insurance.

There is an easier way to compare rates

A more efficient way to lower your rates uses just one form that gets prices from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much simpler. After sending the form, your coverage is rated and you can select any one of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and buy the policy. It takes 15 minutes at the most and could lower your rates considerably.

In order to find out how much you’re overpaying now, click here to open in new window and submit the form. If you have your current policy handy, we recommend you duplicate the coverages just like they are on your policy. This ensures you will have a rate comparison for the exact same coverage.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

• How do I buy GAP insurance?
• Can I afford to buy a different vehicle if my 1990 Dodge RAM 150 is totaled?
• Am I covered if I drive in a foreign country?
• Will my insurance pay for OEM parts?
• Is extra glass coverage worth it?
• Is rental equipment covered for theft or damage?
• What if I total my 1990 Dodge RAM 150 and owe more than it’s worth?
• Am I covered when driving on a suspended license?
• Do I get a pro-rated refund if I cancel my policy early?
• What companies insure drivers after a DUI or DWI?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Smaller companies may have the best rates

Drivers can’t avoid all the ads that claim the cheapest rates by State Farm and Allstate. They all make the same claim about savings just by switching your policy.

How is it possible that every company can give you a better price? Just pay attention to how they say it.

Auto insurance companies require specific criteria for the type of driver that earns them the highest profit. A good example of a desirable insured might have to be over the age of 50, carries full coverage, and the vehicle is rated for pleasure use. Anybody that fits those parameters will get very good rates and is almost guaranteed to save if they switch.

Potential insureds who fall outside this stringent profile may be required to pay more expensive rates with the end result being the driver buying from a lower-cost company. The trick is to say “customers that switch” but not “all drivers who get quotes” save that much when switching. That’s why companies can truthfully make those statements.

Different companies use different criteria so you really should compare price quotes frequently. It’s just too difficult to predict which auto insurance company will have better car insurance rates than you’re paying now.

Car insurance coverage specifics

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Collision coverage protection

This coverage will pay to fix damage to your RAM 150 caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, hail damage, theft and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability

This coverage can cover damage or injury you incur to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like loss of income, court costs, repair costs for stationary objects, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses like pain medications, rehabilitation expenses, doctor visits, dental work and prosthetic devices. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Power to the consumer

Cheaper 1990 Dodge RAM 150 insurance is possible on the web and with local insurance agents, so you need to shop insurance coverage with both to have the best selection. A few companies do not provide online rate quotes and these smaller companies provide coverage only through local independent agencies.

Drivers change insurance companies for a variety of reasons including policy cancellation, delays in responding to claim requests, high prices or not issuing a premium refund. No matter why you want to switch, choosing a new insurance company is easier than you think.

You just read some good ideas how to compare 1990 Dodge RAM 150 insurance car insurance rates online. The key thing to remember is the more price quotes you have, the better likelihood of getting cheap insurance coverage. You may even find the most savings is with some of the lesser-known companies.

More information

• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Side Impact Crash Tests (iihs.org)
• Older Drivers FAQ (iihs.org)
• State Car Insurance Guides (Geico)