1990 Dodge RAM 250 Car Insurance Cost – 7 Discounts for Best Prices

Looking for cheaper insurance coverage rates? Shoppers have lots of choices when shopping for the best price on Dodge RAM 250 insurance. You can either spend your time struggling with agents trying to get quotes or save time using the internet to find the lowest rates. There are more efficient ways to find insurance coverage online and we’ll show you the best way to quote coverages for your Dodge and locate the lowest possible price from both online companies and local agents.

It’s important to get comparison quotes as often as possible because insurance prices are usually higher with each renewal. Even if you got the lowest price on RAM 250 insurance on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because you’re about to find out the only way to reduce your cost while improving coverage.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. Drivers just need to learn the most effective way to compare price quotes over the internet.

How to shop insurance online

Cutting your insurance rates can be relatively painless. The only thing you need to do is take a couple of minutes comparing rates from some recommended companies. This is very easy and can be done in several different ways.

• The recommended way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do separate quotes to each individual insurance company. A single, simple form will get you price quotes direct from many companies. It’s definitely the quickest method.
• A different way to analyze rates consists of visiting each individual company website and request a quote. For instance, we’ll assume you need rates from State Farm, Geico and American Family. To get rate quotes you would need to spend time on each company’s site and type in your information over and over, which is why the first method is quicker.

  To view a list of companies in your area, click here.

• The hardest way to price shop rates is calling or driving to local insurance agencies. The internet eliminates the middleman unless your situation requires the trained advice that can only be provided by a licensed insurance agent. You can, however, compare the best prices online but have a local agent actually write the policy.

It’s up to you how you get prices quotes, just compare the same coverage limits on every quote. If the quotes have different data it will be next to impossible to make a fair rate comparison.

The largest companies are not always cheapest

Consumers can’t ignore all the ads that claim the cheapest premium rates from companies such as Allstate, Geico and Progressive. They all try to convey promises that you can save if you just switch your insurance policy to them.

It sounds good, but how can they all give you a better price? It’s all in the words they use.

Companies quote their best rates for the type of insured that will most likely be profitable. For example, a profitable insured might have to be between 30 and 50, has no claims, and has great credit. Any driver that fits those parameters will get a cheap rate quote and have a good chance to save quite a bit of money when switching.

Consumers who cannot meet the ideal profile will be quoted higher premiums and ends up with the prospect going elsewhere. Company advertisements say “people that switch” but not “all drivers who get quotes” save money. This is how companies can truthfully advertise the way they do. This really drives home the point why drivers must compare many company’s car insurance rates. Because you cannot predict the company that will provide you with the cheapest rates.

Car insurance quotes and discounts

The price of auto insurance can be rather high, but there are discounts available that could drop your premiums quite a bit. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be manually applied prior to getting the savings.

• Discount for Good Grades – Maintaining excellent grades may save you up to 25%. Most companies allow this discount well after school through age 25.
• Drivers Ed for Students – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
• Discounts for Good Drivers – Safe drivers could pay up to 40% less on RAM 250 insurance than their less cautious counterparts.
• Homeowners Discount – Owning your own home or condo can save you money because it is proof that your finances are in order.
• Full Payment Discount – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
• Discount for Life Insurance – Select insurance carriers reward you with a discounted rate on car insurance if you buy a life insurance policy as well.
• Federal Employees – Active or former government employment could provide a small rate reduction on RAM 250 insurance but check with your company.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, that’s just not realistic.

To see a list of providers that have a full spectrum of discounts, click here.

Situations that may require an agent’s advice

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

• Is my dog or cat covered if injured in an accident?
• Is my 1990 Dodge RAM 250 covered for smoke damage?
• Is my ex-spouse still covered by my policy?
• Is business property covered if stolen from my car?
• Does my policy cover my teen driver if they drive my company car?
• Who is covered when they drive my 1990 Dodge RAM 250?
• I have health insurance so do I need medical payments coverage?
• What is medical payments coverage?
• Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

What auto insurance coverages do you need?

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability coverage – Liability insurance can cover damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as pain and suffering, bail bonds, attorney fees and court costs. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP pay for bills for funeral costs, surgery and dental work. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, fire damage and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – Collision insurance will pay to fix damage to your RAM 250 from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured or underinsured coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Quote more, save more

Drivers change insurance companies for a number of reasons such as policy cancellation, lack of trust in their agent, high rates after DUI convictions or not issuing a premium refund. No matter why you want to switch, choosing a new company can be pretty painless.

When searching for affordable insurance coverage quotes, it’s very important that you do not buy poor coverage just to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your goal is to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

Cheaper 1990 Dodge RAM 250 insurance is attainable on the web in addition to local insurance agencies, so you need to shop insurance coverage with both to have the best selection. A few companies don’t offer rate quotes online and usually these smaller companies sell through local independent agents.

More tips and info about insurance is located in the articles below:

• Insurance Losses by Make and Model (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)