Save on 1992 Dodge Ram Van Car Insurance Quotes

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will positively reduce your policy premiums.

Companies that may offer policyholders some of the above discounts include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

When getting a coverage quote, ask every company the best way to save money. Savings might not be offered in your area. If you would like to choose from a list of companies that offer discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help you determine if you might need professional guidance.

• Where can I find DUI or SR-22 insurance?
• Am I better off with higher deductibles on my 1992 Dodge Ram Van?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I have coverage when pulling a U-Haul trailer?
• How much underlying liability do I need for an umbrella policy?
• Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

How insurance companies determine Dodge Ram Van insurance premiums

An important part of buying insurance is that you know the rating factors that help calculate your premiums. When you understand what positively or negatively impacts your premiums, this enables informed choices that can earn you much lower annual insurance costs. Many things are part of the calculation when you get your auto insurance bill. Some factors are common sense such as traffic violations, but other factors are less obvious like your continuous coverage or how financially stable you are.

• Does your occupation cost you more? – Did you know your job can affect your rates? Jobs such as military personnel, business owners and dentists generally have higher premiums than the average policyholder in part from stressful work requirements and lengthy work days. Other occupations such as scientists, engineers and the unemployed pay the least for Ram van coverage.
• Increase coverage deductibles to save – Comp and collision deductibles define how much you are required to pay before your auto insurance pays a claim. Physical damage protection, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply could be a windshield broken by a bird, damage caused by hail, and damage caused by road hazards. The more money the insured is willing to pay, the less your auto insurance will be for Ram van coverage.
• Amount of liability insurance – The liability coverage on your policy will afford coverage when a jury decides you are liable for causing personal injury or damage in an accident. Liability provides for a legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
• Women tend to cost less – Statistics show women tend to be less risk to insure than men. This data doesn’t prove that females are better at driving than males. Males and females tend to get into fender benders in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like DUI and reckless driving.

Auto insurance ads bend the truth

Consumers can’t escape the ads that claim the cheapest rates from companies such as State Farm and Allstate. They all seem to try to convey promises about saving some big amount if you move your auto insurance policy to them.

But how can every company charge lower premium rates? This is the way they can do it.

Different companies quote their best rates for the type of insured that will not have excessive claims. One example of a desirable risk may need to be between the ages of 30 and 45, has never had a policy lapse, and drives less than 7,500 miles a year. Someone that matches those criteria may get the lowest car insurance rates and as a result will probably save money with a new company.

Potential customers who cannot meet this stringent profile may receive a more expensive rate and the customer buying from a different company. The ad wording is “drivers who switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can state the savings. Because of this risk profiling, you need to compare as many free car insurance quotes as you can. It is impossible to guess which insurance companies will fit you best based on your risk profile.

Specific coverages for a 1992 Dodge Ram Van

Understanding the coverages of a car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement. These are typical coverage types found on the average car insurance policy.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, theft, falling objects and a broken windshield. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverage

This coverage will cover injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, emergency aid, funeral expenses, medical services and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for doctor visits, EMT expenses, rehabilitation expenses, chiropractic care and dental work. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Affordable insurance is out there

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. There are too many instances where someone sacrificed liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your focus should be to buy enough coverage at the best cost.

Budget-friendly auto insurance can be sourced both online as well as from independent agents, and you need to price shop both to have the best rate selection. Some auto insurance companies may not have rate quotes online and many times these smaller companies only sell through independent insurance agents.

Additional detailed information is available by following these links:

• Rental Reimbursement Coverage (Allstate)
• How Much is Chula Vista Auto Insurance for a Dodge Ram? (ChulaVistaCoverage.com)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Auto Insurance FAQ (Farmers Insurance)