1991 Dodge Ram Wagon Insurance Cost – 7 Discounts for Cheaper Prices
Want lower insurance rates for your Dodge Ram Wagon? Are you baffled by the dozens of insurance choices that you can choose from? Many other people are as well. drivers have so many choices available that it can easily become a difficult mission to find a more affordable company.
You should take the time to price shop coverage yearly because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Ram Wagon coverage a few years ago the chances are good that you can find a lower rate quote today. You’ll find a ton of advice on insurance out there, but I’m going to show you some tested techniques to stop overpaying for insurance.
How to lower your insurance coverage cost
There are a lot of ways you can shop for insurance coverage and some are less labor-intensive and much quicker. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.
Most car insurance companies participate in an industry program where prospective buyers enter their coverage request one time, and each company then gives them pricing based on that data. This prevents consumers from doing quote requests to each company.
To enter your information into the quoting system, click here (opens in new window).
One minor caviat to using this type of system is you can’t choose which insurance companies you want pricing from. So if you want to select from a list of companies for rate comparison, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.
It’s up to you which method you use, but make sure you are using the same coverages and limits for every quote you compare. If your comparisons have unequal deductibles or liability limits then you won’t be able to make a fair rate comparison. Slightly different coverage limits may cause a big price difference. Just remember that having more price comparisons helps increase your odds of locating lower pricing. Not every company does price estimates online, so it’s necessary to compare prices on coverage from those companies, too.
How much insurance coverage do I need?
When choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different.
For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.
- How high should my medical payments coverage be?
- Who is covered by my policy?
- Why does it cost so much to insure a teen driver?
- Am I covered if I drive in a foreign country?
- If my pet gets injured in an accident are they covered?
- How high should deductibles be on a 1991 Dodge Ram Wagon?
- How many claims can I have before being cancelled?
- Does my liability insurance cover pulling a trailer or camper?
- What is the rate difference between pleasure use and commuting?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.
Auto insurance coverages
Having a good grasp of auto insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Auto liability insurance – Liability coverage will cover damage or injury you incur to people or other property by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for claims such as court costs, loss of income, legal defense fees, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.
Comprehensive protection – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as hail damage, vandalism, a tree branch falling on your vehicle and hitting a bird. The highest amount a auto 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 it’s not worth carrying full coverage.
Collision coverages – Collision coverage will pay to fix damage to your Ram Wagon resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims like backing into a parked car, sustaining damage from a pot hole, rolling your car, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.
Medical expense coverage – Med pay and PIP coverage provide coverage for expenses such as EMT expenses, doctor visits, rehabilitation expenses and dental work. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage
Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 1991 Dodge Ram Wagon.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Clementine Mitchell
I live in Memphis, TN. Quoted prices from Allstate, Liberty Mutual, and Eastwood for my Dodge and cut my rates about $100 a year. Insured with Esurance before. It’s still not cheap enough.
Sharla Key
1991 Dodge Ram Wagon + GEICO = CHEAP! At least inTexas anyway.
Juliana Reese
Mine is so expensive. I live just to the south of Paterson, NJ. Received prices from 21st Century, The General, and Esurance for my Dodge and I’m now saving $15 a month. Was with Amica. Even increased coverage a bit.
Olympia Webb
Lifelong resident of Atlanta, GA. Got car insurance quotes from Western Auto Insurance, Auto-Owners, GMAC, and Mercury for my Ram Wagon and saved around $100 a year. Was with Nationwide. When should I drop full coverage?
Dorathy Wilder
I found pretty cheap rate quotes for a 1991 Dodge Ram Wagon in Denver, Colorado. Ended up at darn near $110 every six months with Auto-Owners. Was with Auto-Owners. I used their website to get prices.
Sheri Hendricks
Lots of useful info here. I live just to the west of Rio Rancho, New Mexico. I got free rates from GMAC, AIG Insurance, MetLife, and a couple others for my Dodge and saved $114 a year. I’m a pretty good driver though. It never hurts to quote around. Full coverage costs too much.
Marya Rodriguez
Like your site, BTW. I live in a small town just outside of Tucson, AZ. Quoted with The General, AIG Insurance, MetLife, and a couple others for my Ram Wagon and I’m now saving $12 a month.
Iona Wilkerson
I got quite a few price quotes for a 1991 Dodge Ram Wagon in Jacksonville, FL. Ended up at darn near $70 every six months with Auto-Owners. They have a lot of discounts available. Get lots of quotes to find the best rate. It’s too old for full coverage.
Kristian Kaufman
Thanks for putting this site together. Lifelong resident of Lewiston, ME. I got free prices from Progressive, AIG Insurance, Esurance, and Hartford for my Ram Wagon and I’m now saving $12 a month. They offer free online rate quotes. I dropped full coverage awhile back.
Frederica Lott
Will 21st Century cancel me for an at-fault accident?
Bryon Blackwell
If you don’t have tickets and live near Kansas City, KS, check out Progressive. They seem to be cheaper. It’s only liability tho.
Shala Day
I live in Rockford, Illinois. Compared rates from a lot of places. Saved roughly $30 a month. 21st Century was the cheapest for me.
Marge Howell
Lots of useful info here. I live in Mobile, AL. Received prices from Amica, Safeco, and some smaller one I can’t remember the name of for my 1991 Dodge Ram Wagon and saved just over $110 a year. It never hurts to quote around. I just carry liability insurance.
Elbert Richards
I’m in Nashville, TN and for me Progressive had the lowest quote. My Dodge doesn’t have full coverage.
Sondra Battle
Compared auto insurance prices with State Farm and Progressive but still not cheap enough.
Shante Martinez
I’ve bought from GEICO forever. Cheapest rates in Augusta, Georgia.
Rosenda Weeks
Liked the article. Went with AIG Insurance for my Dodge and saved around $60 a year. Was with USAA. You can get a rate quote online.
Fallon Nichols
Hope my rates come down. I live in Chesapeake, VA. Don’t remember every company but I ended up saving about $30 each month. Insured with GEICO before. Good multi-policy discounts.