Compare 1992 Dodge Ram Wagon Insurance Rates

Being forced to pay for pricey car insurance premiums can consume your checking account, especially in this economy. Comparing rates annually is an excellent way to ensure you are getting the best deal.

Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurers to find the absolute best rates possible.

The best way to compare car insurance rates is to take advantage of the fact most of the larger companies have advanced systems to provide you with free rate quotes. All consumers are required to do is give them some information such as what you do for a living, how much education you have, how you use your vehicles, and how many miles driven. Your rating data is instantly submitted to many of the top insurers and you get price estimates immediately.

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

Do you qualify for discounts?

The cost of insuring your cars can be expensive, but companies offer discounts to help bring down the price. Many discounts should be triggered when you get a quote, but occassionally some discounts must be inquired about before you get the savings.

• New Car Discount – Buying insurance on a new vehicle can save you some money due to better safety requirements for new model year vehicles.
• Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of approximately 10% to 15%.
• First Accident Forgiveness – but certain companies may permit one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
• Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on Ram Wagon coverage with a few insurance coverage companies.
• Home Ownership Discount – Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
• Defensive Driving Course – Taking part in a course that instructs on driving safety could save 5% or more depending on where you live.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, you aren’t that lucky.

To locate insurers that offer some of these discounts, click here to view.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions may help highlight if your insurance needs might need professional guidance.

• When would I need additional glass coverage?
• Is my cargo covered for damage or theft?
• Do I need motorclub coverage?
• Does insurance cover damages from a DUI accident?
• How much underlying liability do I need for an umbrella policy?
• Can I make deliveries for my home business?
• What is UM/UIM insurance?
• Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find 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 you can get the answers you need.

How insurers calculate Dodge Ram Wagon insurance costs

It’s important that you understand some of the elements that play a part in calculating your premiums. When you understand what impacts premium levels, this enables informed choices that can earn you better insurance coverage rates. Multiple criteria are used when quoting car insurance. Some are obvious such as traffic violations, although others are more obscure such as whether you are married or how financially stable you are.

• Cheaper rates with high comp and collision deductibles – Protection for physical damage, aka comp and collision, covers your vehicle from damage. Some examples of claims that would be covered are a dented fender, flood damage, and damage from a fallen tree branch. Physical damage deductibles are how much you are willing to pay out-of-pocket if a claim is determined to be covered. The more expense you pay before a claim is paid (deductible), the lower your rates will be on Ram Wagon coverage.
• Five star crash test rating saves money – Vehicles with good safety scores get lower rates. Vehicles built for safety have better occupant injury protection and lower injury rates means your insurance company pays less and lower rates for you. If your Dodge Ram Wagon scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Liability insurance is critical – The liability section of your policy is the protection if a jury decides you are liable for causing personal injury or damage in an accident. Liability provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to other policy coverages, so do not cut corners here.
• If you don’t need it don’t buy it – There are a ton of extra coverages that sound like a good idea at the time on your Ram Wagon policy. Coverages like roadside assistance, accidental death, and extra life insurance coverage may not be needed and are just wasting money. The coverages may be enticing when discussing your needs, but if you have no use for them get rid of them and save.
• Your location is a factor – Choosing to live in less populated areas of the country has definite advantages when shopping for auto insurance. City drivers regularly have much more traffic and much longer commute distances. Fewer people means less chance of accidents as well as less vandalism and auto theft.
• The more you drive the more you pay – The more miles you rack up on your Dodge in a year the more you will pay for insurance coverage. A lot of insurance companies calculate rates partially by how you use the vehicle. Cars and trucks that have low annual miles can be on a lower rate level compared to those used for work or business. It’s a smart idea to ensure your vehicle rating shows the correct driver usage, because improper ratings can cost you money. An improperly rated Ram Wagon is throwing money out the window.

Coverage specifics

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the normal coverages available from car insurance companies.

Auto liability – Liability coverage can cover damage that occurs to other’s property or people by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like structural damage, funeral expenses, court costs and loss of income. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your 1992 Dodge Ram Wagon.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage – This coverage will pay to fix damage to your Ram Wagon caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as surgery, prosthetic devices, X-ray expenses, nursing services and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, a tree branch falling on your vehicle and fire damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

A penny earned…

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There are a lot of situations where someone sacrificed collision coverage only to find out they didn’t purchase enough coverage. The goal is to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

You just learned some good ideas how to save on 1992 Dodge Ram Wagon insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from the least-expected company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive or Geico.

Some companies don’t offer rate quotes online and these regional carriers work with local independent agents. Cheap 1992 Dodge Ram Wagon insurance is attainable on the web as well as from insurance agents, so you need to compare both in order to have the best chance of saving money.

Much more information about insurance can be read below:

• Choosing an Insurance Company (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Coverage Information (Progressive Insurance)