Lower Your 1993 Dodge Ram Wagon Insurance Rates

Shoppers have a choice when shopping for low-cost Dodge Ram Wagon insurance. They can either waste time driving around to get rate comparisons or use the internet to make rate comparisons.

There are more efficient ways to compare insurance coverage rates and we’ll show you the absolute fastest way to compare rates for a new or used Dodge and find the best price possible from both online companies and local agents.

It’s a good habit to shop coverage around yearly since insurance rates change frequently. Just because you found the best premium rates for Ram Wagon insurance at your last renewal there is a good chance you can find better prices now. Forget all the misinformation about insurance coverage because you’re about to learn the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or are looking for a new policy, you can follow these tips to get lower rates and possibly find even better coverage. The purpose of this article is to teach you how to effectively get price quotes. Vehicle owners just need to understand the most effective way to shop for auto insurance online.

Discounts to earn cheap insurance coverage rates

Insurance coverage is not inexpensive, but there’s a good chance there are discounts that you may not know about. Some trigger automatically at quote time, but a few must be manually applied before you will receive the discount.

• Student Driver Training – Require your teen driver to enroll and complete driver’s education in school.
• More Vehicles More Savings – Drivers who insure primary and secondary vehicles on one policy qualifies for this discount.
• Military Rewards – Having a deployed family member could trigger a small discount.
• Early Signing – A few larger companies offer discounts for switching policies before your current expiration date. This discount can save up to 10%.
• Responsible Drivers – Accident-free drivers can get discounts for up to 45% lower rates for Ram Wagon insurance compared to rates paid by drivers with frequent claims.
• Defensive Driver – Taking time to complete a defensive driving class could save 5% or more and also improve your driving technique.
• Theft Deterent Discount – Cars and trucks with anti-theft systems can help prevent theft and will qualify for a discount on a insurance coverage quote.
• Safety Restraint Discount – Forcing all vehicle occupants to use a seat belt could cut 10% or more off the PIP or medical payment premium.
• Drive Less and Save – Driving fewer miles can earn substantially lower premium rates.
• Telematics Devices – Insureds who allow driving data collection to spy on their driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

The best insurance coverage companies and some of the premium reductions they offer are shown below.

• State Farm offers discounts for student away at school, passive restraint, multiple autos, defensive driving training, anti-theft, accident-free, and Steer Clear safe driver discount.
• Liberty Mutual includes discounts for new move discount, hybrid vehicle, good student, newly married, new vehicle discount, multi-car, and preferred payment discount.
• American Family may have discounts that include good driver, mySafetyValet, bundled insurance, defensive driver, multi-vehicle, good student, and Steer into Savings.
• Progressive offers premium reductions for multi-policy, good student, continuous coverage, homeowner, multi-vehicle, and online quote discount.
• Farmers Insurance has savings for teen driver, pay in full, switch companies, bundle discounts, multi-car, and business and professional.
• Auto-Owners Insurance offers discounts including student away at school, air bags, paid in full, anti-lock brakes, multiple vehicles, and safe driver.
• SAFECO may include discounts for accident prevention training, multi-car, drive less, anti-theft, and homeowner.

When getting free insurance coverage quotes, it’s a good idea to every prospective company how many discounts you can get. Some of the earlier mentioned discounts might not be offered in your area. To find insurers who offer insurance coverage discounts, click here.

Learn how to find auto insurance cheaper

Many factors are part of the equation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but some are less obvious such as whether you are married or how financially stable you are.A large part of saving on auto insurance is knowing some of the factors that come into play when calculating the price you pay for auto insurance. If you know what determines premiums, this allows you to make educated decisions that may result in better auto insurance rates.

• Increase physical damage deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some examples of covered claims are running into the backend of another car, hail damage, and burglary. Comp and collision deductibles define the amount you are required to spend if a covered claim is submitted. The larger the amount you’re willing to pay, the bigger discount you will receive for Ram Wagon insurance.
• With age comes responsibility – Older drivers are proven to be safer behind the wheel, statistically cause fewer accidents and receive fewer citations.Inexperience drivers have a tendency to get distracted easily when at the wheel of a vehicle so they pay higher auto insurance rates.
• No policy gaps is important – Driving with no insurance can get you a ticket and auto insurance companies will penalize you for letting your insurance coverage expire. And not only will insurance be more expensive, being ticketed for driving with no insurance may earn you a steep fine or even jail time.
• Bundle policies to earn discounts – Most larger companies allow better rates to buyers that buy multiple policies, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to get quotes from other companies to confirm you are receiving the best rates possible.There is a chance you can save even more by buying insurance from more than one company.
• Are males or females drivers cheaper? – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are better drivers. Males and females cause at-fault accidents in similar percentages, but the men cause more damage. Men also statistically get more serious tickets like driving under the influence (DUI).
• Lower rates for married couples – Your spouse can get you a discount on auto insurance. Having a spouse may mean you are more mature and responsible and statistics show drivers who are married are more cautious.
• Avoid unnecessary add-on coverages – Insurance policies have a lot of additional extra coverages that may not really be needed if you don’t pay attention. Insurance for things like vanishing deductibles, accident forgiveness, and Farm Bureau memberships may not be needed and are just wasting money. They may seem good at first, but if you have no use for them remove them from your policy.
• Premiums increase with driving tickets – Even one speeding ticket may cause rates to rise to the point where it’s not affordable. Drivers who don’t get tickets pay less for auto insurance compared to bad drivers. People who have serious tickets such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to complete a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.

Tailor your car insurance coverage to you

When it comes to buying coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions might point out whether you could use an agent’s help.

• Do I need PIP coverage since I have good health insurance?
• Should I have combined single limit or split liability limits?
• Is my vehicle covered by my employer’s policy when using it for work?
• Should I sign the liability waiver when renting a car?
• Who is covered when they drive my 1993 Dodge Ram Wagon?
• Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage

Collision insurance pays for damage to your Ram Wagon caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as scraping a guard rail, crashing into a ditch, rolling your car and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, hitting a bird, a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Dodge Ram Wagon.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Coverage for liability

This will cover injuries or damage you cause to a person or their property. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like medical expenses, attorney fees, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like nursing services, funeral costs, chiropractic care, pain medications and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage on a shoestring budget

Insureds leave their current company for a variety of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, delays in paying claims and even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a great new company is less work than it seems.

In this article, we presented a lot of tips how to compare 1993 Dodge Ram Wagon insurance rates online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with an unexpected company.

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

More information is located at the links below

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Learn About Car Insurance (Geico)
• Car Insurance FAQ (Trusted Choice)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)