Cheaper 1994 Dodge Ram Van Car Insurance Quotes

Are you tired of scraping nickels together to buy insurance? You’re in the same situation as many other drivers.

You have so many insurance companies to insure vehicles with, and though it is a good thing to have a selection, it can be more difficult to find the best rates for your vehicles.

The easiest way to compare rate quotes takes advantage of the fact most of the larger companies will pay a fee to compare their rates. The one thing you need to do is provide information such as types of safety features, level of coverage desired, your education level, and if your license is active. Your details is then sent to multiple insurance providers and they respond with quotes almost instantly.

If you would like to start a quote now, click here and enter the information requested.

Earn discounts to get lower-cost insurance coverage quotes

Buying insurance coverage is not cheap, but you might be missing out on some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time you complete a quote, but some must be manually applied prior to getting the savings.

• Drivers Ed for Students – Have your child complete a driver education course in school.
• Own a Home and Save – Just being a homeowner can save you money because maintaining a house requires a higher level of personal finance.
• Pay Now and Pay Less – By paying your entire bill at once instead of making monthly payments you may reduce your total bill.
• Multiple Policy Discount – When you combine your auto and homeowners insurance with one company you could earn a discount of as much as 10 to 15 percent.
• Membership in Organizations – Affiliation with a qualifying organization is a simple method to lower premiums when shopping for insurance coverage.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. Despite the fact that it seems like you could get a free insurance coverage policy, insurance companies wouldn’t stay in business. Any qualifying discounts will reduce the premium cost.

A few of the larger companies and some of their more popular discounts are shown below.

• Esurance offers discounts including paid-in-full, DriveSense, emergency road assistance, online quote, safety device, and multi-policy.
• The Hartford may offer discounts for bundle, vehicle fuel type, good student, defensive driver, air bag, and anti-theft.
• AAA has discounts for multi-policy, anti-theft, pay-in-full, education and occupation, good driver, and good student.
• Geico may have discounts that include multi-vehicle, anti-theft, federal employee, seat belt use, anti-lock brakes, five-year accident-free, and driver training.
• State Farm offers premium reductions for passive restraint, driver’s education, good driver, Drive Safe & Save, multiple policy, accident-free, and safe vehicle.

When getting a coverage quote, ask all the companies how many discounts you can get. Depending on the company, some discounts might not be available to policyholders in your area. If you would like to see a list of insurers who offer insurance coverage discounts, click here.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique so this has to be addressed. For example, these questions might help in determining whether your personal situation will benefit from professional help.

• What is covered by UM/UIM coverage?
• Will my insurance pay for OEM parts?
• Is my cargo covered for damage or theft?
• Will filing a claim cost me more?
• Does my 1994 Dodge Ram Van qualify for pleasure use?
• What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

How car insurance companies calculate Dodge Ram Van insurance costs

Many things are part of the equation when quoting car insurance. A few of the factors are predictable like an MVR report, but other factors are not as apparent such as whether you are married or your commute time.Part of the insurance buying process is learning some of the things that play a part in calculating your premiums. If you understand what impacts premium levels, this helps enable you to make changes that can earn you lower premium levels.

• Credit history impacts rates – Having a good credit rating can be an important factor in determining what you pay. If your credit can use some improvement, you could be paying less to insure your 1994 Dodge Ram Van if you improve your credit rating. Drivers who have good credit tend to file fewer claims as compared to drivers with poor credit scores.
• Premiums can change based on your address – Choosing to live in smaller towns and rural areas of the country may provide you with better prices when buying insurance. Urban drivers regularly have more traffic problems and more severe claims. Less people living in that area means fewer accidents as well as less vandalism and auto theft.
• Which gender costs less? – Over time, data shows women are more cautious behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Women and men cause fender benders in similar percentages, but men have costlier accidents. Not only that, but men also get more serious tickets like reckless driving and DUI.
• Your stress level may be raising your insurance rates – Careers like judgesair traffic controllers and emergency personnel generally pay higher rates than the rest of us in part from intense work situations and incredibly demanding work hours. Other jobs such as scientists, historians and performers have the lowest average rates for Ram van insurance.
• Combine policies and save money – The majority of companies afford lower prices to buyers that purchase more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, it’s still a good idea to compare other company rates to ensure the best deal.
• Lower miles equals lower premium – The more miles you rack up on your Dodge in a year the more it will cost to insure it. The majority of insurers calculate rates based on how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. A policy that improperly rates your Ram Van is throwing money out the window.
• Vehicle options that lower insurance rates – Choosing a vehicle with a theft deterrent system can save you some money. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft and help lower rates.
• Five star crash test rating saves money – Safe vehicles cost less to insure. These vehicles protect occupants better and fewer injuries means your insurance company pays less and lower rates for you. If the Dodge Ram Van has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.

Insurance coverage breakdown

Understanding the coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Liability coverages – Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like emergency aid, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision coverage covers damage to your Ram Van resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Med pay and PIP coverage pay for bills like ambulance fees, dental work, funeral costs and nursing services. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

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

Comprehensive can pay for claims such as damage from a tornado or hurricane, theft, hail damage, damage from getting keyed and fire damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Saving money makes a lot of cents

In this article, we covered a lot of ways to save on 1994 Dodge Ram Van insurance. The key concept to understand is the more companies you get prices for, the higher your chance of finding inexpensive auto insurance. Consumers may even find the biggest savings come from a small mutual company. These companies may have significantly lower prices on certain market segments than the large multi-state companies such as Progressive or Geico.

When shopping online for auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, someone dropped uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your goal should be to buy enough coverage at a price you can afford.

Budget-friendly auto insurance can be found from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and usually these small, regional companies sell through local independent agencies.

For more information, feel free to browse these articles:

• State Laws for Cellphones and Texting (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• What Does No-Fault Insurance Cover? (Allstate)
• Teen Driving Statistics (Geico)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)