1991 Dodge Ram Van Insurance Cost – 5 Tips for Cheaper Prices

Trying to find the cheapest car insurance rates for your Dodge Ram Van? Are you sick and tired of sacrificing to buy car insurance? You have the same problem as millions of other consumers.

There are many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it makes it harder to find the best rates.

It’s smart to shop coverage around at least once a year since rates trend upward over time. Even if you think you had the lowest premium rates for Ram van insurance two years ago the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because we’re going to show you the easiest way to find better rates and still maintain coverage.

Cheapest insurance coverage quotes

Performing a rate comparison is a ton of work if you don’t understand the fastest way to get free quotes. You can spend your afternoon driving to insurance companies in your area, or you can utilize the web to get prices fast.

Many of the larger companies participate in an industry program where insurance shoppers submit one quote, and every company then returns a price quote based on that information. This saves time by eliminating quotation requests for each company.

To compare rates using this form now click here to start a free quote.

The one disadvantage to using this type of system is you cannot specify which providers to receive prices from. If you prefer to choose specific insurance companies to compare rates, we have a listing of insurance coverage companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare exactly the same information on every price quote you get. If your comparisons have different limits and deductibles on each one it’s impossible to make a fair rate comparison. Just slight variations in insurance coverages may result in large price differences. And when comparing insurance coverage rates, know that comparing all the rates in your area helps increase your odds of locating a lower rate. Not every company provides price estimates online, so you need to compare rates from the smaller companies as well.

Insurance coverage companies offer many discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time of purchase, but once in a while a discount must be inquired about before being credited. If you do not check that you are getting every discount possible, you may be paying too high a price.

• Government Employee Discount – Active or former government employment could cut as much as 10% off for Ram van insurance depending on your insurance coverage provider.
• Drive Less and Save – Fewer annual miles on your Dodge can earn substantially lower rates.
• Auto/Home Discount – If you combine your auto and homeowners policies with the same insurance company you could earn a discount of 10% to 20% off each policy.
• Pay Early and Save – If you can afford to pay the entire bill instead of making monthly payments you could save 5% or more.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and can earn a small discount on your policy.

Don’t be surprised that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, it’s just not the way it works.

Auto insurance companies that may have these money-saving discounts include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

If you are trying to find inexpensive insurance coverage quotes, ask each insurance company to give you their best rates. A few discounts may not be available in your area. To see a list of insurers that offer multiple discounts, click this link.

Do I just need basic coverages?

When choosing proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

• Who is covered by my policy?
• Is my state a no-fault state?
• Should I carry comprehensive and collision coverage?
• How can I find cheaper teen driver insurance?
• Why do I need rental car insurance?
• Do I pay less for low miles?
• Is a fancy paint job covered?
• Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Insurance coverage considerations

Understanding the coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive insurance

This will pay to fix 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 coverage protects against claims such as rock chips in glass, hail damage, vandalism, damage from a tornado or hurricane and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like nursing services, X-ray expenses, rehabilitation expenses, EMT expenses and prosthetic devices. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, crashing into a ditch, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like repair bills for other people’s vehicles, attorney fees and bail bonds. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Spend less. Save more.

In this article, we covered many ways to shop for 1991 Dodge Ram Van insurance online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest car insurance rates are with the least-expected company. They may have significantly lower premium rates on certain market segments compared to the large companies like State Farm and Allstate.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. In too many instances, an insured cut liability coverage limits to discover at claim time that it was a big mistake. The goal is to buy enough coverage for the lowest cost and still be able to protect your assets.

For more information, feel free to browse these articles:

• Alcohol Impaired Driving FAQ (iihs.org)
• Insurance Losses by Make and Model (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)