Compare 1993 Dodge RAM 250 Insurance Quotes

I doubt anyone likes having to buy insurance coverage, in particular when they could get a better deal. Due to the abundance of different company options, it’s nearly impossible to pick a more affordable insurance company.

You should take the time to price shop coverage on a regular basis because insurance coverage prices are usually higher with each renewal. Just because you had the best rate on RAM 250 insurance six months ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

Buying car insurance is not that difficult. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Drivers just need to understand the proper methods to compare company rates online.

Discounts for cheaper car insurance quotes

Car insurance companies don’t always advertise their entire list of discounts in an easy-to-find place, so the list below details a few of the more well known as well as the least known discounts that you can inquire about if you buy insurance coverage online.

• Clubs and Organizations – Belonging to qualifying employment or professional organizations could qualify you for a break on your next renewal.
• Auto/Home Discount – If you have multiple policies and place coverage with the same company they may give you a discount of as much as 10 to 15 percent.
• Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems could see savings of more than 20%.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
• 55 and Retired – Drivers over the age of 55 may receive a discount up to 10% on RAM 250 insurance.
• Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can avoid the installment charge.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower car insurance rate if you buy life insurance.
• Own a Home – Just owning your own home can save you money since owning and maintaining a home is proof that your finances are in order.
• Save with More Vehicles Insured – Buying a policy with multiple cars or trucks with the same car insurance company could earn a price break for each car.
• Savings for New Vehicles – Insuring a vehicle that is new can cost up to 25% less because newer models keep occupants safer.

We need to note that many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

For a list of car insurance companies with discount car insurance rates, follow this link.

You may need specialized insurance coverage coverage

When choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help highlight whether or not you would benefit from professional advice.

• How does medical payments coverage work?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Which companies will insure high-risk drivers?
• Am I better off with higher deductibles on my 1993 Dodge RAM 250?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Do drivers who switch really save?

Consumers can’t ignore all the ads that claim the best prices by companies like Progressive, Geico, Allstate and State Farm. All the companies state the claim about savings if you change to them.

How is it possible that every company can charge you a lower premium? This is the trick they use.

All the different companies have a certain “appetite” for the type of driver that earns them the most money. One example of a preferred risk may be a married female, has no prior claims, and does not commute to work. Anybody that meets those criteria will probably get cheap prices and will most likely pay quite a bit less when switching companies.

Potential insureds who don’t qualify for this ideal profile will probably be forced to pay higher premium rates which translates to the customer buying from someone else. If you pay attention, the ads say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way companies can truthfully state the savings. This illustrates why you really should quote coverage with many companies. It’s just not possible to know which insurance coverage company will fit you best based on your risk profile.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge RAM 250.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses such as doctor visits, nursing services and hospital visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

This coverage will cover injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as medical services, pain and suffering, structural damage, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Collision coverage protection

Collision coverage pays for damage to your RAM 250 resulting from a 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 scraping a guard rail, colliding with another moving vehicle, crashing into a ditch, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Don’t be a big spender

Budget-friendly car insurance can be found both online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer rates over the internet and most of the time these small, regional companies sell through local independent agencies.

As you restructure your insurance plan, you should never buy poor coverage just to save money. In too many instances, someone dropped liability coverage limits to discover at claim time that they should have had better coverage. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.

To read more, feel free to visit the resources below:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Event Data Recorders FAQ (iihs.org)