Cheaper 1994 Dodge Ram Wagon Car Insurance Rates

Searching for lower insurance coverage rates for your Dodge Ram Wagon? If you’re looking for lower-priced insurance online, do you get overwhelmed by the sheer number of insurance coverage companies available to you? Lot’s of other drivers are too. consumers have so many companies available that it can be a difficult situation to find the lowest price.

It’s important to price shop coverage once or twice a year since rates are usually higher with each renewal. Just because you found the lowest premium rates on Ram Wagon insurance a few years ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to find out the best way to find better coverage at a better price.

Discounts can really help lower rates

Insurance coverage is neither fun to buy or cheap, but you may find discounts that could drop your premiums quite a bit. Some discounts will apply at the time of purchase, but occassionally some discounts must be specifically requested in order for you to get them. If they aren’t giving you every credit you qualify for, you are just wasting money.

• Switch and Save Discount – Select insurance companies give a discount for buying a policy prior to the expiration date on your current policy. This discount can save up to 10%.
• Organization Discounts – Being in qualifying employment or professional organizations could qualify you for a break when getting a car insurance quote.
• Telematics Data – Drivers that enable their insurance coverage company to spy on when and where they use their vehicle by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they exhibit good driving behavior.
• Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you can avoid the installment charge.
• ABS Brakes – Vehicles that have steering control and anti-lock brakes have fewer accidents and earn discounts up to 10%.
• Discounts for Multiple Vehicles – Buying insurance for all your vehicles with the same insurance coverage company may reduce the rate for each vehicle.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on Ram Wagon insurance.
• Theft Deterent System – Vehicles that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
• Discount for Passive Restraints – Options like air bags can get savings of up to 25% or more.

Don’t be shocked that most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will reduce your premiums.

Some of the larger companies that may include some of the above discounts include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

Before purchasing a policy, check with each company what discounts are available to you. Savings may not be available in your area. To choose insurers who offer cheap insurance coverage quotes, click here.

How to get affordable car insurance

There are multiple methods to compare car insurance prices and some are more efficient than others. You can spend countless hours discussing policy coverages with agents in your area, or you could save time and use the web to maximize your effort.

Many insurance companies belong to a marketplace that allows shoppers to complete one form, and each company returns a competitive quote based on that information. This eliminates the need for quotation requests to each company.

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

The only drawback to using this type of form is you don’t know exactly the companies to get pricing from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of low cost car insurance companies in your area. Click here to view list.

Which method you use is up to you, but make sure you use exactly the same coverage limits on every quote. If you use mixed coverages then you won’t be able to determine which rate is truly the best. Having just a slight variation in coverage limits can make a big difference in price. And when comparison shopping, comparing all the rates in your area helps increase your odds of locating the best rates.

Insurance cost influencing factors

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that help calculate the price you pay for auto insurance. If you know what impacts premium levels, this allows you to make educated decisions that will entitle you to lower rates.

• Employer stress can affect prices – Did you know your job can affect your rates? Occupations such as military personnelairline pilots and stock brokers generally pay higher premium rates due to stressful work requirements and incredibly demanding work hours. On the other hand, jobs like farmers, athletes and the unemployed have lower than average premiums on Ram Wagon insurance.
• Add-on coverages push up prices – Insurance companies have many optional add-on coverages that can add up on your auto insurance policy. Coverages like replacement cost coverage, towing, and extra life insurance coverage may be costing you every month. They may sound like good ideas at first, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
• Youthful drivers pay high prices – Youthful drivers tend to be inattentive and easily distracted with other occupants in the car therefore auto insurance rates are much higher. Adding a young driver onto a policy can be quite pricey. More mature drivers are shown to be more cautious, statistically cause fewer accidents and tend to be get fewer driving tickets.
• Proper usage rating affects rates – The higher the mileage driven annually the more you’ll pay to insure your vehicle. A lot of insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates than vehicles that have high annual mileage. It’s a good idea to make sure your vehicle rating properly reflects the proper vehicle usage. Having the wrong rating on your Ram Wagon is just wasting money.
• Better drivers pay lower costs – Drivers with clean records receive lower rates than their less careful counterparts. Having just one moving violation can increase rates by as much as thirty percent. Drivers unfortunate enough to have multiple violations like DUI, reckless driving or excessive speeding may need to complete a SR-22 with their state motor vehicle department in order to prevent a license revocation.
• Big city or small town – Choosing to live in a rural area may provide you with better prices when it comes to auto insurance. Lower population means a lower chance of having an accident in addition to fewer liability claims. City drivers tend to have more road rage incidents and longer commute times. The longer drive time can result in more accidents.
• Keep prices low by being claim-free – Companies award the best rates to insureds who are claim-free. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Your car insurance is intended to be relied upon for larger claims.

Will just any policy work for me?

When buying adequate coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions could help you determine whether you may require specific advice.

• Do I have coverage if my license is suspended?
• Should I rate my 1994 Dodge Ram Wagon as pleasure use or commute?
• Should I file a claim if it’s only slightly more than my deductible?
• Should I drop comprehensive coverage on older vehicles?
• Where can I find DUI or SR-22 insurance?
• When would I need additional glass coverage?
• When can my company non-renew my policy?
• Am I covered when driving a rental car?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Coverage specifics

Having a good grasp of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Liability – This protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as funeral expenses, bail bonds, court costs, loss of income and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Collision coverages – This coverage pays for damage to your Ram Wagon caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, colliding with another moving vehicle, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, X-ray expenses, surgery and EMT expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Uninsured and underinsured coverage – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Ram Wagon.

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 important protection for you and your family.

Comprehensive coverages – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, hail damage, damage from flooding and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Take this to the bank

Some insurance companies do not offer rate quotes online and many times these smaller companies work with local independent agencies. Lower-priced car insurance is attainable both online and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

Consumers switch companies for a variety of reasons including high prices, unfair underwriting practices, extreme rates for teen drivers and not issuing a premium refund. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

When getting car insurance quotes online, you should never skimp on critical coverages to save a buck or two. In many cases, someone sacrificed collision coverage and found out when filing a claim that it was a big error on their part. Your objective should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

Additional learning opportunities

• Tread Depth and Tire Safety (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)