Cheaper 1990 Dodge RAM 350 Car Insurance Quotes

Trying to find better insurance coverage rates for your Dodge RAM 350? Searching for better insurance prices for a Dodge RAM 350 could be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the proper way to get price quotes for a new or used Dodge and obtain the best price possible.

Consumers need to compare prices periodically since rates change regularly. Just because you found the best premium rates on RAM 350 coverage on your last policy you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you one of the easiest ways to save on insurance coverage.

Auto insurance policy discounts

Car insurance companies don’t always publicize their entire list of discounts in a way that’s easy to find, so below is a list some of the more common and the harder-to-find ways to save on auto insurance.

Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy a life policy as well.
Safety Course Discount – Participating in a driver safety course may get you a small discount and make you a better driver.
Telematics Devices – Drivers that enable driving data collection to analyze their driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
Buy New and Save – Adding a new car to your policy can cost up to 25% less because new model year vehicles are generally safer.
Claim-Free Discount – Drivers with accident-free driving histories have much lower rates when compared to insureds who have frequent claims or accidents.
Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10% off your insurance quote.

A quick disclaimer, many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that adding up those discounts means a free policy, you’re out of luck.

To find auto insurance companies that offer some of these discounts, click this link.

Learn how to lower your insurance prices

Smart consumers have a good feel for the rating factors that help calculate your policy premiums. If you understand what determines base rates, this allows you to make good choices that may result in much lower annual insurance costs.

Premiums impacted by vehicle usage – The more you drive your Dodge every year the higher your rates will be. A lot of companies rate vehicles partially by how you use the vehicle. Cars and trucks that do not get driven very much qualify for better rates compared to those used for work or business. Make sure your insurance coverage policy is showing the right rating data, because it can save money. An incorrectly rated RAM 350 may be wasting your money.
Avoid coverage lapses – Driving without insurance coverage in place is a misdemeanor and you may have a hard time finding new coverage because you let your coverage lapse. Not only will rates go up, being ticketed for driving with no insurance could earn you a revoked license or a big fine. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
Use but don’t abuse your insurance – Car insurance companies give discounts to insureds who are claim-free. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
Demanding vocation may mean higher premiums – Occupational choices like doctors, business owners and accountants tend to pay higher premiums than the average policyholder attributed to high stress levels and lots of time spent away from family. Conversely, occupations such as professors, historians and performers receive lower rates on RAM 350 coverage.
Getting married can lower costs – Your spouse helps lower the price on your policy. Having a spouse is viewed as being more stable financially and statistics show drivers who are married file infrequent claims.
Women pay lower premiums – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, don’t assume that females are better at driving than males. Men and women are responsible for auto accidents at about the same rate, but males tend to have higher claims. Not only that, but men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Young males are several times more likely to be in an accident and therefore pay the highest rates.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage, there is no perfect coverage plan. Each situation is unique.

Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

I don’t drive much so do I pay less?
Does coverage extend to my business vehicle?
What is high-risk coverage and where do I buy it?
Should I bundle my homeowners policy with my auto?
How much liability coverage do I need in my state?
Who is covered by my policy?
Am I covered if I break a side mirror?
When would I need additional glass coverage?
Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance coverage information

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, a broken windshield, damage from flooding and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability – Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as funeral expenses, emergency aid and court costs. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as nursing services, X-ray expenses, doctor visits, hospital visits and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision insurance pays for damage to your RAM 350 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1990 Dodge RAM 350.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Be Smart and Buy Smart

Insureds leave their current company for a variety of reasons including delays in responding to claim requests, policy cancellation, high prices or even poor customer service. It doesn’t matter why you want to switch finding a new insurance coverage company is not as difficult as it may seem.

Affordable 1990 Dodge RAM 350 insurance can be purchased from both online companies and with local insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies may not have price quotes online and usually these small, regional companies provide coverage only through local independent agents.

You just read a lot of techniques to get a better price on 1990 Dodge RAM 350 insurance. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even find the lowest car insurance rates are with a lesser-known regional company.