1991 Dodge RAM 350 Insurance Quotes

Shoppers have lots of choices when shopping for affordable Dodge RAM 350 insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to compare rates. There is a better way to compare car insurance rates and we’ll show you the quickest way to price shop coverage on a Dodge and locate the cheapest rates from local insurance agents and online providers.

If you have a policy now or are just looking to switch companies, you can use these techniques to shop for the lowest rates while maximizing coverage. This article will instruct you on the best way to quote coverages and some tips to save money. Consumers just need to understand the tricks to get comparison rates online.

How your RAM 350 insurance premiums are determined

When buying insurance it’s important to understand the different types of things that are used to determine the rates you pay for insurance. When consumers understand what impacts premium levels, this enables informed choices that could result in lower premium levels. Lots of factors are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as your driving record, although others are less obvious such as your credit history or how safe your car is.

• Excellent credit scores equal low costs – Credit rating is likely to be a major factor in calculating your insurance rates. Drivers with excellent credit scores tend to be more responsible and file fewer claims as compared to drivers with worse credit. If your credit rating can be improved, you could save money insuring your 1991 Dodge RAM 350 by taking the time to improve your credit score.
• Insurance rates may be lower depending on your job – Did you know your job can affect your rates? Careers such as military generalsair traffic controllers and stock brokers are shown to have higher premium rates because of intense work requirements and incredibly demanding work hours. On the other hand, careers such as farmers, historians and performers receive lower rates on RAM 350 insurance.
• Gender and auto insurance – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Women and men tend to get into auto accidents at a similar rate, but the males get into accidents with more damage. Men also statistically receive more major tickets like reckless driving and DUI. Male drivers age 16 to 19 have the highest risk to insure and are penalized with high insurance rates.
• High comp and collision deductibles lower prices – Protection for physical damage, otherwise known as comp (or other than collision) and collision, protects your Dodge from damage. Examples of covered claims would be a broken windshield, damage caused by hail, and windstorm damage. Deductibles for physical damage define the amount you are willing to pay in the event of a claim. The more you are required to pay out-of-pocket, the lower your rates will be on RAM 350 insurance.

Discounts to earn cheap insurance coverage rates

Insurance coverage is not an enjoyable expense, but you can get discounts to cut the cost considerably. Many of these discounts will be applied automatically when you get a quote, but some must be asked about prior to getting the savings.

• Multiple Policy Discount – If you have multiple policies and insure them with the same company you may save as much as 10 to 15 percent.
• Club Memberships – Affiliation with specific professional or occupational memberships or organizations could trigger savings on your policy.
• Passenger Safety Discount – Vehicles with factory air bags can receive discounts of 20 to 30 percent.
• Switch and Save Discount – Some companies provide a discount for switching to them early. It’s a savings of about 10%.
• Telematics Discount – Drivers who elect to allow companies to spy on driving patterns through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they show good driving skills.
• Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts in comparison to insureds who have frequent claims or accidents.
• Early Payment Discounts – By paying your entire bill at once instead of paying each month you could save 5% or more.
• Multi-line Discount – Not all insurance coverage companies offer life insurance, but some may give you a discount if you purchase a life policy as well.

Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, it’s just not the way it works.

Popular insurance coverage companies and their offered discounts include:

• Progressive may offer discounts for multi-vehicle, continuous coverage, online quote discount, homeowner, multi-policy, and online signing.
• Farmers Insurance discounts include electronic funds transfer, mature driver, teen driver, early shopping, good student, youthful driver, and business and professional.
• Farm Bureau has discounts for 55 and retired, multi-vehicle, youthful driver, safe driver, good student, and driver training.
• State Farm offers discounts for good driver, safe vehicle, student away at school, multiple autos, Drive Safe & Save, and defensive driving training.
• Geico has savings for good student, multi-vehicle, seat belt use, anti-theft, emergency military deployment, and defensive driver.
• SAFECO offers discounts including bundle discounts, accident prevention training, teen safety rewards, anti-lock brakes, anti-theft, and drive less.
• Liberty Mutual policyholders can earn discounts including new vehicle discount, newly retired, new move discount, teen driver discount, good student, preferred payment discount, and safety features.

If you need affordable car insurance quotes, ask every insurance company which discounts you may be entitled to. Discounts may not apply in your area. To view insurers that can offer you the previously mentioned discounts, click this link.

Tailor your insurance coverage to you

When choosing coverage, there really is not a single plan that fits everyone. Every situation is different.

For instance, these questions might point out if your situation could use an agent’s help.

• What if I owe more than I can insure my car for?
• Can I get a multi-policy discount?
• Does my insurance cover a custom paint job?
• How high should deductibles be on a 1991 Dodge RAM 350?
• What exactly is covered by my policy?
• Does my liability insurance cover pulling a trailer or camper?
• Are my friends covered when driving my 1991 Dodge RAM 350?
• Am I covered when driving a rental car?
• Does my policy cover me when driving someone else’s vehicle?
• Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Parts of your auto insurance policy

Having a good grasp of a auto insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for liability

This coverage can cover damage or injury you incur to a person or their property. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like repair costs for stationary objects, legal defense fees, medical expenses, attorney fees and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses like X-ray expenses, dental work and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, rock chips in glass and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance covers damage to your RAM 350 from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your 1991 Dodge RAM 350.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Smart shoppers get results

In this article, we presented a lot of techniques to reduce 1991 Dodge RAM 350 insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Consumers could even find that the lowest priced auto insurance comes from a small mutual company.

More affordable auto insurance can be sourced both online and also from your neighborhood agents, so you need to shop car insurance with both in order to have the best price selection to choose from. Some insurance companies may not offer internet price quotes and many times these smaller companies prefer to sell through independent agents.

Drivers switch companies for a variety of reasons including policy cancellation, high rates after DUI convictions, questionable increases in premium or even denial of a claim. It doesn’t matter why you want to switch switching auto insurance companies can be less work than you think.

Additional information

• Older Drivers FAQ (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• State Car Insurance Guides (Geico)