1992 Dodge RAM 250 Car Insurance Quotes

Want better auto insurance rates for your Dodge RAM 250? Finding discount auto insurance might seem rather challenging for people not familiar with comparing rates online. With so many options of online companies, how can drivers even start to compare each option to find the cheapest available price?

Take advantage of these discounts

Car insurance is not cheap, but you can get discounts that you may not even be aware of. Certain discounts will be applied at quote time, but less common discounts must be requested specifically before you get the savings.

• Auto/Home Discount – If you insure your home and vehicles with one company they may give you a discount of at least 10% off all policies.
• Air Bags and Passive Restraints – Factory options such as air bags could see savings of 20 to 30 percent.
• Fewer Miles Equal More Savings – Driving less could be rewarded with cheaper rates.
• Early Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
• Professional Memberships – Affiliation with specific professional or occupational memberships or organizations could trigger savings on your bill.
• Accident Forgiveness – Not necessarily a discount, but some companies like State Farm and Allstate will turn a blind eye to one accident without getting socked with a rate hike so long as you are claim-free for a set time period.
• Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Save with More Vehicles Insured – Drivers who insure primary and secondary vehicles on one policy could earn a price break for each car.

As a sidenote, many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts should definitely cut the cost of coverage.

Companies that may offer policyholders these money-saving discounts include:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

If you need cheap car insurance quotes, ask all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered on policies in your area. To see insurers that offer some of these discounts, click here.

Special considerations

When choosing adequate coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether you could use an agent’s help.

• Can I afford to pay high deductible claims out of pocket?
• What is high-risk coverage and where do I buy it?
• How can I get high-risk coverage after a DUI?
• Does my liability insurance cover pulling a trailer or camper?
• I have a DUI can I still get coverage?
• When should I not file a claim?
• Am I covered when using my vehicle for business?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage specifics

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for EMT expenses, hospital visits, chiropractic care and prosthetic devices. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, rock chips in glass and damage from flooding. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Dodge RAM 250.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability coverage – This will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as repair bills for other people’s vehicles, medical expenses and legal defense fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your RAM 250 caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Final thoughts

Drivers who switch companies do it for many reasons like lack of trust in their agent, questionable increases in premium, being labeled a high risk driver or not issuing a premium refund. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

Cheaper 1992 Dodge RAM 250 insurance is possible both online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies may not provide online quoting and usually these small, regional companies only sell coverage through independent insurance agencies.

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. Too many times, someone sacrificed liability coverage limits only to regret at claim time that the savings was not a smart move. Your objective should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

To read more, take a look at the resources below:

• Prom Night Tips for Teen Drivers (State Farm)
• Teen Driver Licensing Information (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)