1992 Dodge Ramcharger Car Insurance Quotes

Looking for lower insurance coverage rates for your Dodge Ramcharger? Finding low-cost insurance for a Dodge Ramcharger can turn out to be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to shop for insurance coverage and we’ll show you the proper way to compare rates on a Dodge and obtain the lowest price either online or from local insurance agents.

Cheapest auto insurance rate quotes

Finding cheaper 1992 Dodge Ramcharger auto insurance prices is actually quite simple. The only requirement is to spend a few minutes to compare free insurance coverage quotes to discover which company has the cheapest insurance coverage quotes. Comparing prices online can be done in several different ways.

The fastest and easiest way to get quotes is a comparison rater form (click to open form in new window). This type of form keeps you from doing repetitive form entry for each company you want a rate for. Completing one form will return quotes from all major companies. It’s the fastest way to compare.

A harder way to analyze rates consists of going to each company website and get a separate price quote. For examples sake, let’s say you want to compare prices for Nationwide, Farmers and GMAC. To get each rate you have to take the time to go to each site and enter your information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.

The approach you take is up to you, just be sure to compare the same information on every quote. If each company quotes unequal deductibles or liability limits it will be nearly impossible to get a fair rate comparison.

When should I discuss my situation with an agent?

When it comes to buying coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.

  • Will my insurance pay for OEM parts?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when using my vehicle for business?
  • Does my personal policy cover me when driving out-of-state?
  • What if I don’t agree with a claim settlement offer?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

Specifics of your auto insurance policy

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Dodge Ramcharger.

Because many people 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 is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense insurance

Med pay and PIP coverage kick in for bills for dental work, X-ray expenses, surgery and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, rock chips in glass, a tree branch falling on your vehicle and theft. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages

This can cover injuries or damage you cause to people or other property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like loss of income, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole, backing into a parked car, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Comments About 1992 Dodge Ramcharger Insurance

  1. Rosendo Jacobs

    I’m in Aurora, IL. Don’t remember every company but I ended up saving about $20 each month. Got better coverage too. I quoted rates online then called them.

  2. Rina Savage

    Great site. Proud to be from Gulfport, MS. Got car insurance quotes with 21st Century, GMAC, and Esurance for my Ramcharger and I think I saved about $20 each month. I have a teen driver too. :P I dropped full coverage awhile back.

  3. Lincoln Durham

    Cheaper car insurance is a myth. Proud to be from Springfield, Massachusetts. Quoted with State Farm, American Family, Erie, and Hartford for my Dodge and I’m now saving $10 a month. Was with USAA. They have free quotes online.

  4. Rueben Golden

    Live in Chicago, IL. I quoted with AIG Insurance, Safeco, and some smaller one I can’t remember the name of for my Ramcharger and I’m now saving $17 a month. Left Eastwood to switch. I only have liability coverage on it.

  5. Nelda Pope

    I got decent rates for a 1992 Dodge Ramcharger in Des Moines, IA. Ended up at roughly $120 every six months with AIG Insurance. Left Western Auto Insurance to switch. BTW speeding tickets are not good.

  6. Gerald Britt

    Live in Rapid City, SD. Checked online prices for a 1992 Dodge Ramcharger. Ended up at about $80 savings annually. Went with State Farm. Insured with AIG Insurance before. I even had a DUI years ago.

  7. Lauri Levine

    If you don’t have tickets and are close to Fargo, North Dakota, check out Allstate. They seem to be cheaper. Online quotes are the way to go.

  8. Kerry Parker

    Hope my rates come down. Lifelong resident of Kansas City, Kansas. Quoted prices online for a 1992 Dodge Ramcharger. Ended up at about $120 savings annually. Went with GEICO. Insured with State Farm before. Book value doesn’t justify full coverage anymore.

  9. Blair Alvarez

    Thought I’d throw in my experience. I live in Anchorage, Alaska. Received prices from USAA, American Family, Hanover, and Sentry for my Dodge and I’m now saving $17 a month. I have a teen driver too. God forbid I actually have a claim. I think I’ll get rid of full coverage next time.

  10. Mellie Hahn

    I’m in the suburbs of Salt Lake City, UT. I quoted with USAA, AAA, Liberty Mutual, and Sentry for my Ramcharger and cut my rates about $100 a year. Switched homeowners coverage too. Bought it from an online quote.

  11. Ben Oconnor

    I live just outside Overland Park, Kansas. Quoted a bunch of companies. Saved darn near $20 a month. State Farm was the cheapest option for me. I used their website to get prices. I dropped full coverage awhile back.