1992 Dodge RAM 150 Insurance Rates

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Say no more because there are lots of people in the same boat. Insurance companies such as Progressive, State Farm and Geico continually hit you with catchy ads and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.

How to compare insurance rate quotes

Getting a cheap price on 1992 Dodge RAM 150 insurance is a fairly straight forward process. The only thing you need to do is take a few minutes comparing price quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

• If you are pressed for time, the simplest way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for multiple quote forms for each price estimate. One quote request compares rates from multiple companies.
• A harder way to shop for insurance online is to manually visit each individual company website and repeat the quote process again and again. For instance, let’s assume you want to see prices from Auto-Owners, Progressive and Allstate. To find out each rate you need to navigate to each company’s site to input your insurance information, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.
• The hardest way to find and compare rates is to waste gas driving to each insurance agency near you. Comparing rates online eliminates this option unless you’re the type of person who wants the guidance only provided by licensed agents. Although you can price shop your coverage online and have a local agent actually service the policy.

You can use whichever method you prefer to find lower rates, just ensure you’re using exactly the same coverage limits and deductibles for each price quote. If you use different limits and deductibles on each one then you won’t be able to find the best deal for your Dodge RAM 150.

These discounts can cut insurance rates

Car insurance can cost a lot, but there may be some discounts that may help make it more affordable. Most are applied at the time you complete a quote, but some discounts are required to be inquired about prior to getting the savings.

• Senior Citizen Rates – If you’re over the age of 55, you may receive a small decrease in premiums for RAM 150 coverage.
• Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
• Distant Student Discount – College-age children who live away from home at college and do not have a car can receive lower rates.
• Pay Early and Save – By paying your policy upfront rather than spreading payments over time you can actually save on your bill.
• One Accident Forgiven – Not really a discount, but a handful of insurance companies will turn a blind eye to one accident before raising your premiums if you are claim-free prior to the accident.

It’s important to understand that some credits don’t apply the the whole policy. Some only apply to individual premiums such as liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, you’re out of luck.

Insurance companies that may offer quotes with these benefits are:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

Check with all companies you are considering which discounts can lower your rates. Savings might not be offered in your area. To choose providers with discount rates, click this link.

Smart consumers know how to find insurance for less

Many things are taken into consideration when quoting car insurance. Some are obvious such as traffic violations, although others are more obscure such as whether you are married and annual miles driven.Smart consumers have a good feel for some of the things that are used to determine your insurance rates. If you have a feel for what impacts premium levels, this allows you to make educated decisions that will entitle you to lower premium levels.

• Your address can impact price – Being located in small towns and rural areas is a positive aspect when shopping for auto insurance. Fewer drivers on the road means less chance of accidents in addition to lower liability claims Drivers who live in large cities tend to have more aggressive driving styles and a longer drive to work. More time on the road can result in more accidents.
• Gender and auto insurance – Over the last 30 years, statistics show females are less aggressive when driving. This data doesn’t prove that men are worse drivers. Men and women tend to get into fender benders at about the same rate, but men cause more damage and cost insurance companies more money. They also get ticketed for serious violations like driving under the influence (DUI). Male teenagers generally have the highest accident percentage so it costs more to insure them.
• Your age impacts your costs – Mature drivers are viewed as being more responsible, tend to file fewer claims , and usually have better credit.Youthful drivers are statistically shown to get distracted easily when at the wheel of a vehicle so they pay higher insurance rates.
• Single vs. married – Getting married can actually save you money when buying insurance. Marriage is viewed as being more financially stable and statistics prove drivers who are married are more cautious.
• Consider raising deductibles – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some coverage claims are a broken side mirror, hail damage, and having your car stolen. The deductibles you choose are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more of the claim you have to pay, the less your insurance will be for RAM 150 coverage.
• Policy add-ons add up – Policies have additional coverages that you can get tricked into buying if you don’t pay attention. Add-on coverages like replacement cost coverage, accident forgiveness, and term life insurance may be wasting your money. These may sound like a good investment when discussing your needs, but if they’re wasting money get rid of them and save.
• Traffic violations inflate premiums – Having a single driving citation may increase your cost substantially. Careful drivers receive lower rates than people who have multiple driving citations. Drivers unfortunate enough to have multiple tickets like DUI, reckless driving or excessive speeding may find they need to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.
• Keep premiums low by being claim-free – Auto insurance companies generally give the lowest premiums to insureds who are not frequent claim filers. If you’re an insured who likes to file claims you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is intended for the large, substantial claims.

When do I need an agent’s advice?

When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

• Will my insurance pay for OEM parts?
• Do I have coverage when making deliveries for my home business?
• Are my friends covered when driving my car?
• Do I have coverage for damage caused while driving under the influence?
• Where can I find high-risk insurance?
• Do I need replacement cost coverage on my 1992 Dodge RAM 150?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Information about specific coverages

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, hitting a deer, rock chips in glass, theft and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Dodge RAM 150.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance

This protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as pain and suffering, loss of income, medical services, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for hospital visits, funeral costs, doctor visits, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to all 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

Collision coverage

This coverage will pay to fix damage to your RAM 150 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 such as colliding with a tree, driving through your garage door, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Take this to the bank

You just learned many ideas to compare 1992 Dodge RAM 150 insurance auto insurance rates online. The key thing to remember is the more price quotes you have, the higher your chance of finding cheap insurance. You may even discover the biggest savings come from some of the lesser-known companies. Regional companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate or State Farm.

Cheap 1992 Dodge RAM 150 insurance can be found on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not have price quotes online and most of the time these smaller companies provide coverage only through independent insurance agents.

Additional learning opportunities

• Think You’re a Safe Driver? (State Farm)
• What is a Telematics Device? (Allstate)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)