1995 Dodge Ram Van Car Insurance Quotes – 6 Tricks for Cheaper Rates

Searching for cheaper auto insurance rates? Consumers have options when looking for the best price on Dodge Ram Van insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to make rate comparisons.

There is a right way and a wrong way to find auto insurance online so you’re going to learn the best way to quote coverages for a new or used Dodge and get the best price possible.

Smart consumers take time to take a look at other company’s rates occasionally because insurance rates change regularly. Even if you think you had the best premium rates on Ram van insurance a year ago other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re going to get a crash course in how to quote online to reduce your cost while increasing coverage.

The most recommended method to compare policy rates is to know the fact car insurance companies have advanced systems to quote your coverage. To start a quote, the only thing you need to do is give them some information like coverage limits, if you require a SR-22, how much school you completed, and whether the vehicles are used for commuting. Those rating factors is then submitted to multiple companies and you receive quotes within a short period of time.

If you would like to compare rates now, click here and find out if you can get cheaper insurance.

Take advantage of every insurance discount

Insurance is not an enjoyable expense, but you might find some hidden discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you get a quote, but lesser-known reductions have to be asked about before being credited.

• Federal Government Employee – Employees or retirees of the government may reduce rates when you quote auto insurance on Ram van insurance with a few insurance companies.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little off PIP or medical payments premium.
• Defensive Driver Discount – Passing a course that instructs on driving safety can save you 5% or more if you qualify.
• More Vehicles More Savings – Buying insurance for all your vehicles with one company qualifies for this discount.
• Switch and Save Discount – Some companies reward drivers for buying a policy before your current coverage expires. Ten percent is about the average savings.
• Driver’s Ed – Have your child enroll and complete driver’s education in school or through a local driver safety program.

A quick disclaimer, most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you could get a free insurance policy, it doesn’t quite work that way.

To view providers with discount insurance rates, follow this link.

How to know if you need help

When it comes to choosing the best car insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique.

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

• Will I lose any money if I cancel my policy before it expires?
• Do I have coverage when using my vehicle for my home business?
• What should my uninsured motorist coverage limits be in my state?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is motorclub coverage worth it?
• When should my teen driver be added to my policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Parts of your car insurance policy

Having a good grasp of your car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability

This coverage provides protection from damage or injury you incur to other people or property. This insurance protects YOU from claims by other people, and 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. As an example, you may have policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as funeral expenses, bail bonds, repair costs for stationary objects, medical services and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Auto collision coverage

This pays for damage to your Ram Van from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter, scraping a guard rail, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills for things like hospital visits, prosthetic devices, pain medications and chiropractic care. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding, hitting a deer and damage from getting keyed. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Ram Van.

Since a lot of 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 a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Saving money is sweet as honey

People change insurance companies for a number of reasons such as policy cancellation, delays in paying claims, policy non-renewal and even unfair underwriting practices. It doesn’t matter what your reason, choosing a new company is actually quite simple.

As you prepare to switch companies, do not reduce coverage to reduce premium. In many instances, an insured cut liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible at the best possible price.

Lower-priced auto insurance is definitely available both online as well as from insurance agents, so you should be comparing quotes from both to have the best selection. A few companies may not offer the ability to get quotes online and most of the time these small, regional companies only sell through local independent agencies.

Additional learning opportunities

• Tread Depth and Tire Safety (State Farm)
• Who Has Cheap Car Insurance Quotes for a Dodge Ram in Virginia Beach? (VBInsure.com)
• Auto Insurance Learning Center (State Farm)
• What is Full Coverage? (Allstate)
• Rental Car Insurance Tips (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)