1993 Dodge RAM 150 Car Insurance Rates

Are you at wits end from being strong-armed to keep your car insured? Your situation is no different than most other vehicle owners. Many insurance companies compete for your business, so it’s not easy to compare every company to find the lowest price

You need to compare prices every six months since prices fluctuate regularly. Despite the fact that you may have had the lowest rate for RAM 150 insurance on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn one of the best ways to find the best coverage while lowering your premiums.

If you are insured now or need new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need an understanding of the most effective way to compare rates online.

The quickest method to compare rates is to understand auto insurance companies allow for online access to compare their rates. All you need to do is provide the companies a bit of rating information including if a SR-22 is needed, deductibles desired, how much you drive, and how much school you completed. That information is instantly provided to many of the top insurers and they return cost estimate instantly.

To find lower rates now, click here and complete the form.

Reduce your auto insurance rates with discounts

Car insurance companies don’t always advertise the entire discount list very well, so the list below details some of the best known and the more hidden auto insurance savings.

• Paper-free Discount – Some larger companies give back up to $50 simply for signing digitally online.
• Defensive Driver Discounts – Successfully completing a defensive driver course may get you a small discount if you qualify.
• Senior Citizens – If you qualify as a senior citizen, you can get reduced rates for RAM 150 insurance.
• Good Grades Discount – Maintaining excellent grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
• Clubs and Organizations – Being in a civic or occupational organization is a good way to get lower rates when getting a insurance quote.

It’s important to understand that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, it just doesn’t work that way. But any discount will reduce your policy cost.

The best auto insurance companies and a selection of discounts are shown below.

• Geico offers discounts for defensive driver, air bags, good student, five-year accident-free, driver training, and anti-lock brakes.
• Auto-Owners Insurance discounts include student away at school, anti-lock brakes, air bags, multi-policy, safe vehicle, mature driver, and paid in full.
• American Family policyholders can earn discounts including accident-free, Steer into Savings, TimeAway discount, air bags, defensive driver, and good student.
• Esurance may include discounts for Switch & Save, DriveSense, renters, multi-car, emergency road assistance, and Pac-12 alumni.
• Progressive includes discounts for multi-vehicle, good student, continuous coverage, homeowner, multi-policy, and online quote discount.
• State Farm may offer discounts for good driver, driver’s education, Drive Safe & Save, multiple policy, student away at school, good student, and accident-free.
• AAA may have discounts that include education and occupation, pay-in-full, anti-theft, good driver, good student, AAA membership discount, and multi-car.

Before purchasing a policy, check with every insurance company how you can save money. Savings may not apply to policyholders in your area.

You are unique and your insurance should be too

When buying the right insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions could help you determine whether you would benefit from an agent’s advice.

• Am I covered when driving someone else’s vehicle?
• Is my ex-spouse still covered by my policy?
• What discounts do I qualify for?
• What is no-fault insurance?
• Do I have coverage for damage caused while driving under the influence?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I really need UM/UIM coverage?
• Do I need higher collision deductibles?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages explained

Understanding the coverages of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from car insurance companies.

Collision coverages – This coverage will pay to fix damage to your RAM 150 caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, driving through your garage door, damaging your car on a curb, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, vandalism, a broken windshield, damage from flooding and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance – Coverage for medical payments and/or PIP pay for immediate expenses like nursing services, EMT expenses and pain medications. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability – This coverage can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, attorney fees, medical services, loss of income and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

UM/UIM Coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your 1993 Dodge RAM 150.

Since a lot of 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.

Be a smart shopper

Budget-friendly auto insurance is definitely available on the web as well as from insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide rates over the internet and many times these smaller companies only sell through local independent agencies.

We covered a lot of tips how to get a better price on 1993 Dodge RAM 150 insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may even find the best rates are with a small local company. They may only write in your state and offer lower car insurance rates compared to the large companies like Allstate, Geico and Progressive.

Even more information can be found at these sites:

• Information for Teen Drivers (Geico)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Cellphones, Texting and Driving (iihs.org)