Compare 1991 Dodge RAM 250 Insurance Quotes

If price shopping auto insurance quotes online is new to you, you can easily be baffled by the large number of car insurance companies that all promise to save you money.

Consumers need to quote other rates every six months because car insurance prices are rarely the same from one policy term to another. Even if you got the best price on RAM 250 insurance last year a different company probably has better rate quotes today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the easiest way to get good coverage at a lower rate.

Finding the best rates is quite easy. In a nutshell, every vehicle owner who shops for insurance coverage will be able to find lower rates. Nevertheless, drivers do need to learn the way insurance companies market insurance on the web.

What determines Dodge RAM 250 insurance rates?

Lots of things are taken into consideration when quoting car insurance. Most are fairly basic like an MVR report, but some are less obvious like your vehicle usage or how safe your car is.A large part of saving on insurance is knowing the rating factors that are used to determine your insurance rates. If you understand what influences your rates, this enables informed choices that may result in better insurance rates.

• Are women or men drivers cheaper? – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Men and women have at-fault accidents at a similar rate, but the males cause more damage and cost insurance companies more money. Not only that, but men also get more serious tickets such as reckless driving. Young males are most likely to cause an accident and therefore pay the highest rates.
• Do you know your physical damage deductibles? – Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. Physical damage protection, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some coverage claims could be a windshield broken by a bird, damage caused by hail, and damage caused by road hazards. The more expense you choose to pay out-of-pocket, the lower your rates will be on RAM 250 insurance.
• Claim-free discounts can add up – If you file a lot of claims you should expect higher premiums or even policy non-renewal. Insurance companies generally give discounts to insureds who file claims infrequently. Your insurance policy is intended to be relied upon for larger claims.
• Occupation stress can affect insurance rates – Did you know your job can affect your rates? Jobs such as lawyersairline pilots and emergency personnel are shown to have higher premiums than the average policyholder attributed to stressful work requirements and incredibly demanding work hours. On the flip side, jobs like professors, athletes and retirees get better rates on RAM 250 insurance.
• Being married equates to better premiums – Having a significant other may save some money on your insurance policy. It demonstrates that you tend to be more mature and responsible and insurance companies like that drivers who are married file infrequent claims.
• Drive less and pay lower prices – The more you drive your Dodge each year the higher the price you pay to insure it. Most insurance companies calculate prices based on how the vehicle is used. Cars that do not get driven very much get more affordable rates than those that get driven frequently. Having an incorrect usage rating on your RAM 250 may be costing you. It’s always a good idea to double check that your declarations sheet properly reflects the proper vehicle usage.
• Costs are affected by your address – Choosing to live in areas with lower population can be a good thing if you are looking for the lowest rates. Fewer drivers on the road means reduced accidents and also fewer theft and vandalism claims. City drivers regularly have more auto accidents and higher rates of accident claims. More time on the road translates into higher accident risk.
• Combine policies and save money – Most larger insurers will give better rates to buyers that have more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s still a good idea to shop around to guarantee you are still saving the most.

Insurance coverage policy discounts you can’t miss

Auto insurance companies don’t necessarily list all disounts in a way that’s easy to find, so the next list breaks down some of the best known and also the lesser-known ways to save on insurance coverage.

• Accident Waiver – This isn’t a discount exactly, but a handful of insurance companies will let one accident slide without getting socked with a rate hike if your claims history is clear for a particular time prior to the accident.
• Accident-Free Discounts – Insureds with no claims or accidents get the best insurance coverage rates compared to bad drivers.
• Homeowners Discount – Owning a house can help you save on insurance coverage because of the fact that having a home is proof that your finances are in order.
• Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
• Government Employees – Simply working for the federal government could qualify for a slight premium decrease on RAM 250 insurance depending on your company.
• Drive Safe and Save – Insureds without accidents could pay up to 40% less on RAM 250 insurance than drivers with accident claims.
• Passenger Safety Discount – Vehicles with factory air bags may earn rate discounts of up to 25% or more.
• Professional Organizations – Being in qualifying employment or professional organizations is a good way to get lower rates on your next insurance coverage statement.

As is typical with insurance, most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

Large insurance coverage companies and the discounts they provide include:

• Geico policyholders can earn discounts including membership and employees, military active duty, air bags, defensive driver, anti-theft, multi-policy, and driver training.
• SAFECO offers premium reductions for safe driver, accident prevention training, multi-car, teen safe driver, drive less, homeowner, and bundle discounts.
• State Farm offers discounts including student away at school, accident-free, anti-theft, defensive driving training, passive restraint, and Steer Clear safe driver discount.
• MetLife may include discounts for accident-free, good driver, defensive driver, multi-policy, good student, and claim-free.
• 21st Century may have discounts that include anti-lock brakes, 55 and older, homeowners, student driver, theft prevention, defensive driver, and automatic seat belts.
• Progressive has savings for continuous coverage, multi-vehicle, multi-policy, good student, and online signing.

When getting a coverage quote, ask every prospective company how you can save money. Some discounts might not apply in your state. To see a list of insurance companies that provide some of the discounts listed above, click this link.

Do you really save 40% when you switch?

Insurance coverage companies such as Progressive, Allstate and Geico constantly bombard you with television, radio, and online ads. They all seem to convey the message about saving some big amount if you just switch your coverage to them. Is it even possible that every company can have lower policy pricing? Here is the trick they use.

Companies offer their best rates for the type of customer that makes them money. For instance, this type of insured might be described as over the age of 50, insures multiple vehicles, and drives less than 5,000 miles a year. A customer getting a price quote who meets those qualifications will get the preferred premium rates and will probably save if they switch.

Insureds who do not fit these standards may receive a higher rate with the end result being the customer not purchasing. Company advertisements say “drivers who switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can make the claims of big savings. Because of this risk profiling, you really need to get auto insurance quotes as often as possible. It’s just not possible to know which company will have the lowest rates.

Insurance agents can help

When it comes to choosing coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

• Does car insurance cover theft of personal property?
• What happens if I owe more than my 1991 Dodge RAM 250 is worth?
• Do I have newly-aquired coverage?
• Am I covered by my spouse’s policy after a separation?
• What is roadside assistance coverage?
• Should I rate my 1991 Dodge RAM 250 as pleasure use or commute?
• When does my teenage driver need to be added to my policy?
• What can I do if my company won’t pay a claim?
• Does my insurance cover a custom paint job?
• Can my teen drive my company car?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Insurance coverage breakdown

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Dodge RAM 250.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills for pain medications, funeral costs, doctor visits and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision insurance pays for damage to your RAM 250 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, damage from getting keyed, vandalism, theft and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as emergency aid, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

More choices the merrier

When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability limits or collision coverage only to regret at claim time that they should have had better coverage. The ultimate goal is to buy enough coverage at the best cost while not skimping on critical coverages.

In this article, we presented quite a bit of information on how to get a better price on 1991 Dodge RAM 250 insurance. The key thing to remember is the more times you quote, the better your comparison will be. Consumers may even find the lowest car insurance rates are with an unexpected company.

Insureds switch companies for many reasons like delays in responding to claim requests, extreme rates for teen drivers, unfair underwriting practices or policy non-renewal. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Even more information is available at these sites:

• Older Drivers FAQ (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)