1993 Dodge RAM 350 Insurance Rates

Looking for better insurance coverage rates for your Dodge RAM 350? Expensive insurance coverage can take a big chunk out of your personal savings and force you to tighten up your finances. Doing a price comparison is a smart way to lower your monthly bill.

Insurance companies such as Progressive, Geico and Farmers Insurance continually hit you with advertising and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.

How to buy auto insurance online

Effectively comparing auto insurance prices can be exhausting if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use the web for quick rates.

Most of the larger companies belong to a marketplace that enables customers to send in one quote, and every company then returns a price quote based on that data. This eliminates the need for quote requests for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The one downside to pricing coverage this way is you are unable to specify the insurers to get quotes from. If you would rather choose from a list of companies to compare rates, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using equivalent coverage information on every quote you get. If you are comparing different limits and deductibles on each one you will not be able to make a fair rate comparison. Having just a slight variation in limits may cause a big price difference. And when price shopping your coverage, having more price comparisons will improve the odds of getting more affordable rates.

More affordable rates by applying discounts

Insurance is not an enjoyable expense, but you may be missing some discounts that may help make it more affordable. Some of these disounts will be visible at the time of purchase, but some may not be applied and must be asked for prior to receiving the credit. If you do not double check each discount you deserve, you are not getting the best rate possible.

• Responsible Drivers – Safe drivers can pay as much as 50% less for RAM 350 insurance than drivers with accident claims.
• Save over 55 – If you qualify as a senior citizen, you may receive a small decrease in premiums for RAM 350 insurance.
• Paperwork-free – A handful of companies may give you up to $50 for buying your policy digitally online.
• Auto/Home Discount – If you can combine your homeowners and auto policy with one insurance company they may give you a discount of at least 10 to 15 percent or more.
• Discount for Low Mileage – Fewer annual miles on your Dodge can earn lower insurancerates on the low mileage vehicles.
• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a break if you buy a life insurance policy as well.
• Military Rewards – Having a deployed family member could be rewarded with lower insurance rates.
• ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
• Federal Employees – Active or retired federal employment can earn a discount up to 10% for RAM 350 insurance with a few insurance companies.
• New Car Discount – Buying a new car instead of a used car may earn a small discount because newer vehicles are generally safer.

One last thing about discounts, most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, that’s just not realistic.

A few popular companies and a selection of discounts are shown below.

• 21st Century may include discounts for good student, driver training, defensive driver, early bird, and student driver.
• Progressive may have discounts that include homeowner, multi-policy, online quote discount, continuous coverage, multi-vehicle, online signing, and good student.
• State Farm has discounts for passive restraint, anti-theft, multiple policy, Drive Safe & Save, and driver’s education.
• Nationwide policyholders can earn discounts including family plan, accident-free, anti-theft, multi-policy, easy pay, and good student.
• Esurance may offer discounts for defensive driver, emergency road assistance, claim free, anti-lock brakes, and multi-car.
• The Hartford includes discounts for vehicle fuel type, air bag, bundle, good student, anti-theft, and defensive driver.

When quoting, ask all the companies to give you their best rates. Depending on the company, some discounts might not be offered on policies in your area. For a list of insurance companies who offer online insurance quotes, click here to view.

Your car insurance coverage should be tailored to you

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Every situation is different and your policy should reflect that. For instance, these questions can help discover if you could use an agent’s help.

• Will my insurance pay for OEM parts?
• Is my babysitter covered when using my vehicle?
• What vehicles should carry emergency assistance coverage?
• Why does it cost so much to insure a teen driver?
• What is the difference between comprehensive and collision coverage?
• Can I still get insurance after a DUI?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you’re not sure about those 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, take a second and complete this form or click here for a list of car insurance companies in your area.

What insurance coverages do you need?

Learning about specific coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses for things like rehabilitation expenses, dental work, nursing services and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays for damage to your RAM 350 resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, crashing into a building, colliding with another moving vehicle, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like pain and suffering, bail bonds, funeral expenses and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, a broken windshield and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they 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 1993 Dodge RAM 350.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these coverages are similar to your liability insurance amounts.