1990 Dodge Ram 50 Pickup Insurance Rates

Searching for the cheapest car insurance rates? Consumers have a choice when looking for the best price on Dodge Ram 50 Pickup insurance. You can either spend your time calling around to get rate comparisons or use the internet to make rate comparisons.

There are more efficient ways to shop for car insurance so you’re going to learn the proper way to price shop coverage for a new or used Dodge and find the lowest possible price from both online companies and local agents.

It’s a good habit to get comparison quotes occasionally since prices trend upward over time. If you had the lowest quotes for Ram 50 pickup insurance a couple years back you may be paying too much now. Forget all the misinformation about car insurance because it’s time to teach you one of the quickest ways to save on car insurance.

Lower rates by qualifying for discounts

Insurance coverage can be pricey, but you might be missing out on some discounts that could drop your premiums quite a bit. Some discounts apply automatically when you purchase, but lesser-known reductions have to be manually applied before you get the savings.

• Save with a New Car – Putting insurance on a new car can get you a discount due to better safety requirements for newer models.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to use their safety belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course if offered at their school.
• Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
• Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.
• Safety Course Discount – Passing a driver safety course may get you a small discount and easily pay for the cost of the class.
• Payment Discounts – By making one initial payment rather than spreading payments over time you may reduce your total bill.
• Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
• Student Discounts – Getting good grades can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
• Distant Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, you’re out of luck. But any discount should help lower your policy cost.

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

How to buy auto insurance online

All the larger auto insurance companies such as Allstate and Progressive allow consumers to get coverage prices on the web. Doing online price comparisons is pretty easy because it’s just a matter of typing in your personal and coverage information into the form. After you submit the form the system requests your driving record and credit report and generates pricing information based on the information you submitted.

This makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively type in your information can be a bit repetitive. But it is imperative to compare as many rates as possible if you want to find the lowest auto insurance rates.

The preferred way to compare rates makes use of a single form that gets prices from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes quoting online much easier. Once the form is submitted, it is rated and you can choose any of the quote results.

If a lower price is quoted, it’s easy to complete the application and buy the policy. The whole process just takes a couple of minutes and can result in significant savings.

To save time and find out if lower rates are available, click here to open in a new tab and input your coverage information. If you currently have coverage, we recommend you copy the limits and deductibles identical to your current policy. This helps ensure you will have a price comparison based on identical coverages.

Auto insurance is unique, just like you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions might help in determining if your insurance needs would benefit from professional advice.

• Do all my vehicles need collision coverage?
• Is a fancy paint job covered?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Can my teen drive my company car?
• Am I covered if I break a side mirror?
• Why does it cost so much to insure a teen driver?
• Do I pay less if my vehicle is kept in my garage?
• Should I rate my 1990 Dodge Ram 50 Pickup as pleasure use or commute?
• Will filing a claim cost me more?
• Is business property covered if stolen from my car?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Specific coverage details

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive coverages – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, rock chips in glass, a broken windshield, hitting a bird and vandalism. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like prosthetic devices, nursing services, pain medications and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability – This will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like structural damage, medical services, legal defense fees, medical expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, damaging your car on a curb, crashing into a building, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Be a Smart Shopper

People who switch companies do it for any number of reasons including being labeled a high risk driver, denial of a claim, policy cancellation and even delays in paying claims. Whatever your reason, finding a new company can be pretty painless.

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

Some insurance companies do not provide price quotes online and many times these regional carriers provide coverage only through local independent agents. Lower-priced 1990 Dodge Ram 50 Pickup insurance is available from both online companies in addition to many insurance agents, so you should compare both to have the best chance of lowering rates.

Additional insurance coverage information can be found below:

• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance: When not to Skimp (BankRate.com)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)