1990 Dodge Ram Van Insurance Cost – 10 Ideas for Cheapest Prices

Locating better insurance prices for your Dodge Ram Van can turn out to be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to compare car insurance rates so you’re going to learn the absolute fastest way to get price quotes for a Dodge and find the lowest possible price from both online companies and local agents.

Locating the best insurance coverage coverage is quite easy. If you have a current insurance coverage policy or are just looking to switch companies, you can use these techniques to find the best rates and still get good coverage. Drivers only need to know the most effective way to buy insurance coverage online.

First Step: Get free car insurance quotes

Reducing your 1990 Dodge Ram Van insurance rates can be surprisingly simple. All you need to do is invest a little time getting comparison quotes online from several insurance companies. It’s super easy and can be done using one of these methods.

Probably the best way to get quotes is to use a rate comparison form click to view form in new window. This quick form eliminates the need for separate quotation requests for each company. A single, simple form will get you price quotes from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.

A more difficult way to analyze rates is spending the time to visit the website for every company you want to comare and repeat the quote process. For instance, we’ll assume you want to get rates from USAA, Safeco and Farmers. You would have to go to each individual site and type in your information over and over, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but be sure to compare the same quote data for every company. If you compare higher or lower deductibles it will be next to impossible to make a fair comparison for your Dodge Ram Van.

Get lower-cost insurance coverage rates with discounts

Car insurance companies don’t list their entire list of discounts in a way that’s easy to find, so the list below gives a summary of a few of the more common as well as the least known discounts that you can inquire about if you buy insurance online.

• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts could see savings of 20% or more.
• Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
• Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
• College Student – Any of your kids who are enrolled in higher education away from home and don’t have a car may be able to be covered for less.
• ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
• Early Renewal Discounts – Some insurance companies provide a discount for renewing your policy prior to the expiration date on your current policy. The savings is around 10%.
• Driver’s Ed – Have your child complete a driver education course in school.
• Save with More Vehicles Insured – Buying insurance for multiple cars or trucks with the same insurance coverage company can get a discount on all vehicles.
• Multi-line Discount – Select insurance companies reward you with a discounted premium rate on car insurance if you buy life insurance.
• Responsible Drivers – Accident-free drivers could pay up to 40% less for Ram van coverage than drivers with accidents.

It’s important to understand that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you aren’t that lucky. Any qualifying discounts will lower the cost of coverage.

To see a list of insurance companies that offer multiple discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if you could use an agent’s help.

• Is my teen driver covered when they drive my company car?
• What is high-risk coverage and where do I buy it?
• Do I need added coverage for expensive stereo equipment?
• When should my teen driver be added to my policy?
• Does coverage extend to Mexico or Canada?
• Am I covered if I hit a deer?
• Why do I need rental car insurance?
• Are rental cars covered under my policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Beware of misleading auto insurance ads

Drivers can’t get away from ads that claim the best prices from the likes of State Farm and Allstate. All the ads make an identical promise that you can save if you change to their company.

Is it even possible that every company can charge you less for car insurance? It’s all in the words they use.

All companies quote the lowest rates for a prospective insured that earns them a profit. For instance, a profitable risk profile could be between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will get very good prices as well as save when they switch companies.

People who don’t qualify for this ideal profile may be required to pay higher premiums which translates to business going elsewhere. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save that much when switching. That’s the way companies can truthfully make those claims.

Each company has different criteria, so you absolutely need to compare rate quotes every year. You cannot predict which company will be your best fit.

Car insurance coverages for a 1990 Dodge Ram Van

Understanding the coverages of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as backing into a parked car, rolling your car, crashing into a ditch, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like prosthetic devices, funeral costs, dental work, nursing services and EMT expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, vandalism, damage from getting keyed, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage can cover injuries or damage you cause to a person or their property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, loss of income, medical expenses, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Van.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these limits are identical to your policy’s liability coverage.

Coverage on a shoestring budget

Discount 1990 Dodge Ram Van insurance is available both online and from local agencies, and you should compare rates from both to get a complete price analysis. Some insurance companies do not offer the ability to get quotes online and these regional carriers provide coverage only through local independent agencies.

When you buy insurance online, you should never sacrifice coverage to reduce premiums. In many instances, drivers have reduced physical damage coverage to discover at claim time that they should have had better coverage. Your aim should be to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

In this article, we covered many tips how you can get a better price on 1990 Dodge Ram Van insurance. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the best price on auto insurance is with a small mutual company.

Additional information can be read below:

• Where can I buy Insurance? (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)