Save on 1992 Dodge Ram 50 Pickup Insurance Quotes

Searching for the cheapest car insurance rates? Consumers have lots of choices when looking for affordable Dodge Ram 50 Pickup insurance. You can either spend your time struggling with agents getting price quotes or save time using the internet to compare rates.

There are both good and bad ways to shop for car insurance so you’re going to learn the best way to price shop coverage on a Dodge and locate the lowest possible price either online or from local insurance agents.

The fastest way that we advise to compare rates is to know most of the bigger providers allow for online access to quote your coverage. To begin a comparison, all you need to do is spend a couple of minutes providing details including if it has an anti-theft system, daily mileage, how much school you completed, and if a SR-22 is needed. That information is instantly submitted to many highly-rated insurers and you get price estimates very quickly.

If you would like to start a quote now, click here and enter your zip code.

Get lower-cost car insurance quotes with discounts

Some insurers don’t always list the complete list of policy discounts very clearly, so below is a list some of the more common and also the lesser-known discounts that you can inquire about if you buy auto insurance online.

• Good Student – This discount may save as much as 25% on a auto insurance quote. The discount lasts up until you turn 25.
• Student in College – Kids who are enrolled in a college that is more than 100 miles from home and leave their car at home can receive lower rates.
• Discount for Low Mileage – Keeping the miles down on your Dodge could earn lower car insurancerates on the low mileage vehicles.
• Accident-Free Discounts – Insureds with no claims or accidents can earn big discounts in comparison to bad drivers.
• Membership in Organizations – Affiliation with certain professional organizations can get you a small discount on your next renewal.
• Data Collection Discounts – Drivers who elect to allow driving data submission to spy on vehicle usage by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease as long as the data is positive.
• Homeowners Savings – Being a homeowner can help you save on car insurance because it is proof that your finances are in order.
• Multiple Policy Discount – When you combine your auto and home insurance and insure them both with the same insurance company you could save up to 20% off your total premium.
• Renewal Discounts – Select companies give a discount for buying a new policy before your current coverage expires. Ten percent is about the average savings.

A little disclaimer on discounts, most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you could get a free car insurance policy, that’s just not realistic.

Car insurance companies that may offer quotes with some of the above discounts may include but are not limited to:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

When quoting, ask every company how many discounts you can get. Some of the earlier mentioned discounts may not be offered in your state.

The Dodge Ram 50 Pickup insurance price equation

Lots of factors are used when quoting car insurance. Some are pretty understandable such as your driving history, but other factors are not quite as obvious like where you live and annual miles driven.

The items below are some of the factors used by insurance companies to determine premiums.

• Can a thief steal your car? – Buying a car that has a built-in theft deterrent system can save you some money. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent vehicle theft.
• Tickets drive up costs – Whether or not you get tickets impacts premiums far more than you think. Getting just one moving violation can increase the cost of insurance twenty percent or more. Attentive drivers pay less for auto insurance as compared to those with violations. Drivers who have received careless citations like reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive.
• Lower rates come with age – Mature drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.Youthful drivers are statistically proven to be more careless with other occupants in the car and because of this, their auto insurance rates are much higher.
• City dwellers may pay more – Choosing to live in less populated areas of the country is a positive aspect when buying auto insurance. Fewer drivers means reduced accidents and a lower car theft rate. City drivers have to deal with congested traffic and longer commute times. Longer commute distances means more chance of being in an accident.
• Incidental coverages push up rates – There are quite a few add-on coverages that sound like a good idea at the time on your Ram 50 Pickup policy. Insurance for things like rental car reimbursement, death and dismemberment, and Farm Bureau memberships are some examples. The coverages may be enticing initially, but if you’ve never needed them in the past get rid of them and save.
• Certain occupations pay higher auto insurance rates – Jobs like judges, business owners and stock brokers tend to pay the highest rates in part from high stress levels and lots of time spent away from family. Other occupations such as scientists, athletes and the unemployed pay the least for Ram 50 pickup coverage.
• Liability coverage – Your auto insurance policy’s liability coverage kicks in if you are found to be at fault for causing personal injury or damage in an accident. It will provide you with a defense in court which can cost a lot. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
• Gender is a factor – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Both sexes get in fender benders at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also get cited for more serious violations like DWI (DUI) or reckless driving. Young men ages 16 to 20 tend to get in the most accidents and thus pay the highest rates.

Tailor your auto insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique.

These are some specific questions can aid in determining whether you would benefit from professional advice.

• If my 1992 Dodge Ram 50 Pickup is totaled, can I afford another vehicle?
• What is UM/UIM insurance?
• Can I drive in Mexico and have coverage?
• Am I covered when driving someone else’s vehicle?
• Should I have combined single limit or split liability limits?
• Should I have a commercial auto policy?
• What vehicles should carry emergency assistance coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Do I need an umbrella policy?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

The coverage is in the details

Understanding the coverages of your insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like chiropractic care, nursing services and dental work. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage covers damage to your Ram 50 Pickup from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a ditch, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Ram 50 Pickup.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Liability auto insurance

This protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair costs for stationary objects, pain and suffering, loss of income and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, theft, damage from getting keyed, hail damage and falling objects. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage on a shoestring budget

When shopping online for auto insurance, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find at the best cost while still protecting your assets.

Insureds change insurance companies for any number of reasons including policy cancellation, denial of a claim, delays in responding to claim requests or even high prices. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

A few companies don’t offer rates over the internet and these smaller companies only sell through independent agents. Lower-priced 1992 Dodge Ram 50 Pickup insurance can be bought online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture.

Additional auto insurance information can be read at these links:

• Choosing an Insurance Company (Insurance Information Insitute)
• What Insurance is Cheapest for a Dodge Ram in Albuquerque? (InsureABQ.com)
• Comprehensive Coverage (Liberty Mutual)
• Credit Impacts Car Insurance Rates (State Farm)
• Top Signs Your Brakes are Giving Out (State Farm)