View 1994 Dodge Ram Pickup 1500 Insurance Quotes

Having to pay for expensive car insurance can draw down your family’s budget, especially in this economy.

Drivers have so many insurers to insure vehicles with, and although it’s nice to have multiple companies, it makes it harder to find the best rates.

Choosing the best insurance company for you is not that difficult. Just about everyone who buys insurance coverage stands a good chance to be able to save money. Although drivers benefit from understanding the methods companies use to sell online and take advantage of how the system works.

First Step: Get free auto insurance quotes

Performing a rate comparison can take time and effort if you don’t utilize the best way to get rate quotes. You can waste hours driving to insurance companies in your area, or you can utilize the internet to get pricing more quickly.

Most car insurance companies enroll in a system that allows shoppers to complete one form, and every company returns a rated price. This system prevents you from having to do form submissions to each individual auto insurance company.

To compare rates using this form now click to open in new window.

The only downside to using this type of form is that consumers can’t choose the companies to get pricing from. If you prefer to choose specific insurance companies to request quotes from, we have a listing of companies who write auto insurance in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just ensure you are comparing the exact same coverage limits and deductibles on every quote. If your comparisons have different deductibles it will be impossible to make a fair comparison for your Dodge Ram Pickup 1500. Quoting even small variations in coverage limits may cause a big price difference. And when quoting auto insurance, remember that comparing a large number of companies increases your odds of finding a better price.

Discount auto insurance quotes

Companies don’t always list all available discounts in an easy-to-find place, so the following list contains a few of the more common and also the lesser-known discounts you could be receiving when you buy insurance coverage online.

• Government Employee Discount – Active or former government employment could cut as much as 10% off on Ram pickup coverage with a few auto insurance companies.
• Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you a break if you buy life insurance.
• No Claims – Drivers who stay claim-free have much lower rates as compared to drivers who are more careless.
• Senior Citizen Rates – Drivers over the age of 55 could receive lower premium rates on Ram pickup coverage.
• Waiver for an Accident – This one isn’t a discount, but a few companies such as Liberty Mutual and Geico will allow you to have one accident without the usual rate increase if you are claim-free for a certain period of time.
• Professional Memberships – Belonging to a professional or civic organization can get you a small discount when shopping for auto insurance.
• Drive Safe and Save – Insureds who avoid accidents may receive a discount up to 45% on Ram pickup coverage than less cautious drivers.
• Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class if it’s offered in school.
• Paper-free Discount – A few larger online companies will provide an incentive for signing up on the internet.
• Driver Training Discounts – Completing a course that instructs on driving safety could save 5% or more and also improve your driving technique.

Keep in mind that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

Companies and their offered discounts can be read below.

• Farmers Insurance offers premium reductions for business and professional, electronic funds transfer, early shopping, mature driver, alternative fuel, youthful driver, and bundle discounts.
• Esurance offers discounts including defensive driver, anti-theft, claim free, homeowner, paid-in-full, Pac-12 alumni, and good driver.
• State Farm may include discounts for accident-free, defensive driving training, passive restraint, student away at school, safe vehicle, and anti-theft.
• Geico may offer discounts for membership and employees, daytime running lights, federal employee, multi-policy, military active duty, multi-vehicle, and air bags.
• Allstate has savings for multi-policy, premier discount, resident student, passive restraint, eSmart discount, teenSMART discount, and safe driver.

If you want cheaper insurance coverage quotes, ask every insurance company which discounts you may be entitled to. Depending on the company, some discounts may not be offered in your area. To choose insurers that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you could use an agent’s help.

• Are my friends covered when driving my car?
• Is my dog or cat covered if injured in an accident?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I need higher collision deductibles?
• Am I missing any policy discounts?
• Are rental cars covered under my policy?
• Am I covered when driving in Canada or Mexico?
• Does my liability insurance cover pulling a trailer or camper?
• How many claims can I have before being cancelled?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

Coverage for collisions

Collision insurance covers damage to your Ram Pickup 1500 from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, crashing into a building, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like ambulance fees, doctor visits, funeral costs, pain medications and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, hitting a bird, falling objects, a tree branch falling on your vehicle and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage protects you from damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like medical services, funeral expenses, loss of income, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 1500.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.