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.
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.
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.
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.
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.
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.
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.
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.
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:
Annetta Evans
Like your site, BTW. I live just to the north of Norman, Oklahoma. Not sure of all the companies but I ended up saving about $30 each month. Was with 21st Century. When should I drop full coverage?
Chad Foley
Cheaper not always better. Checking in from Jersey City, NJ. I compared lots of rates. Saved darn near $10 a month. Progressive was the cheapest for me. I have a couple other vehicles on the policy. Get lots of quotes to find the best rate.
Alva Clarke
I’m looking for cheaper coverage. I’m from Nashville, Tennessee. Got car insurance rates from 21st Century, Erie, and GMAC for my Dodge and am saving around $70 a year. Not worth enough to pay for comprehensive and collision.
Jerri Waller
Located in Dallas, TX. Got car insurance quotes from State Farm, Liberty Mutual, and Farmers for my Dodge and I think I saved around $20 each month. Was with Farmers. I get lower rates because of my clean driving record. I only have liability coverage on it.
Lenita Reid
Thought I’d throw in my experience. Quoted with Nationwide for my Ram Van and cut my rates about $80 a year. I’m a pretty good driver though. My Dodge doesn’t have full coverage.
Linnie Munoz
It’s all a rip off. From south side of Omaha, NE. Got free quotes online for a 1994 Dodge Ram Van. Ended up at about $100 savings annually. Went with Allstate. Left Sentry to switch.
Mollie Morrow
If you have a good history and live in the vicinity of Saint Paul, Minnesota, check out Allstate. I saved quite a bit. Got better coverage too. Next renewal I’ll just do liability.
Beatriz Crosby
I’m in the north part of Tucson, Arizona. Got car insurance prices from Western Auto Insurance, Auto-Owners, Hartford, and Sentry for my Ram Van and cut my rates about $60 a year. I get a discount for insuring multiple vehicles. I only have liability coverage on it.
Elena Snow
I live in a small town just outside of Bridgeport, Connecticut. I quoted with Amica, MetLife, and USAA for my Dodge and saved just over $80 a year. Left Mercury to switch. It’s easy to compare rates online now.
Zandra Small
All companies are crooks. Live in Buffalo, NY. Got free quotes online for a 1994 Dodge Ram Van. Ended up at about $80 savings annually. Went with Allstate. Teenage drivers are expensive! Might find lower rates online.
Virgen Sutton
Not sure if this is cheap. From Nashville, Tennessee. Not sure of all the companies but I ended up saving about $20 each month. I’m a pretty low risk driver. Not sure if rates are cheaper online or not. I don’t put full coverage on it.