1992 Dodge RAM 350 Car Insurance Quotes – 5 Tips to Save

Searching for lower car insurance rates? Consumers have many options when looking for the best price on Dodge RAM 350 insurance. You can either waste hours struggling with agents trying to get quotes or utilize the internet to find the lowest rates.

There are both good and bad ways to shop for car insurance so you’re going to learn the best way to compare rates for your Dodge and obtain the cheapest rates either online or from local insurance agents.

It’s smart to check car insurance prices before your next renewal since prices go up and down regularly. Even if you got the best deal on RAM 350 insurance a couple years back you can probably find a lower rate today. There is a lot of wrong information about car insurance online, but I’m going to show you some great ways to find affordable car insurance.

The method we recommend to compare rate quotes is to realize most insurance companies participate in online systems to give rate comparisons. All you need to do is give them some information including how much school you completed, if a SR-22 is required, your job, and if you have a valid license. That rating information gets sent immediately to all major companies and you get price estimates almost instantly.

Don’t overlook these five insurance discounts

Auto insurance companies don’t list every possible discount very well, so the following is a list of both well-publicized and also the lesser-known discounts that you can inquire about if you buy car insurance online.

• Early Signing – A few companies offer discounts for buying a new policy before your current expiration date. This discount can save up to 10%.
• One Accident Forgiven – This one isn’t a discount, but some companies like Geico, State Farm, and Progressive permit an accident without raising rates if your claims history is clear before the accident.
• Homeowners Discount – Owning your own home or condo can help you save on insurance because it means you have a higher level of financial diligence.
• Drivers Ed for Students – Have your child sucessfully take a drivers education course in high school.
• Telematics Data – People who choose to allow data collection to look at vehicle usage by using a telematics device like Allstate’s Drivewise may see discounts as long as the data is positive.

Please keep in mind that most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, nobody gets a free ride.

To choose insurers who offer free insurance quotes, click here to view.

When to get professional advice

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions may help highlight whether or not you could use an agent’s help.

• Who is covered when they drive my 1992 Dodge RAM 350?
• How much liability do I need to cover my assets?
• Is my 1992 Dodge RAM 350 covered for smoke damage?
• Am I covered if I break a side mirror?
• Will filing a claim cost me more?
• How much can I save by bundling my policies?
• Should I buy only the required minimum liability coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses for funeral costs, ambulance fees and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, hitting a bird, a broken windshield, fire damage and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, scraping a guard rail, backing into a parked car, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Dodge RAM 350.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims such as structural damage, loss of income, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Smart shoppers get results

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

Consumers change insurance companies for a variety of reasons including policy non-renewal, delays in responding to claim requests, unfair underwriting practices or denial of a claim. It doesn’t matter what your reason, finding the right insurance provider is not as difficult as it may seem.

In this article, we covered some good ideas how you can get a better price on 1992 Dodge RAM 350 insurance. The key concept to understand is the more providers you compare, the better likelihood of getting low cost car insurance. You may even discover the best price on insurance is with a small mutual company.

More information is available at these links:

• What is a Telematics Device? (Allstate)
• Understanding Car Crashes Video (iihs.org)
• Auto Insurance Learning Center (State Farm)
• Tread Depth and Tire Safety (State Farm)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)