Cheaper 1996 Dodge Ram Van Car Insurance Rates

Trying to find cheaper insurance coverage rates for your Dodge Ram Van? If you are a novice to online insurance coverage shopping, by this point your are probably baffled due to the large selection insurance agents and companies offering coverage.

The purpose of this post is to tell you how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. Although car owners can benefit by having an understanding of how big insurance companies sell online because it can help you find the best coverage.

First Step: Get free insurance quotes

When comparison shopping, there are several ways to compare rate quotes from companies that offer insurance in your state. The easiest way to find affordable 1996 Dodge Ram Van insurance rates is to jump online and get quotes. It is quite easy and can be accomplished using a couple different methods.

1. The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quotation requests for every insurance company. Filling out one form gets you price quotes from multiple low-cost companies. Just one form and you’re done.
2. A different way to find better pricing requires you to visit the website of each company and get a separate price quote. For example, we’ll pretend you want to compare Farmers, 21st Century and State Farm. To get rate quotes you would need to take the time to go to each site and type in your information over and over, and that’s why the first method is more popular. To view a list of companies in your area, click here.

Whichever way you choose to compare rates, do your best to use exactly the same coverage data with every price quote. If you compare unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best. Slightly different coverage limits could mean much higher rates. And when quoting insurance, remember that having more price comparisons increases the change that you will find the best price.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can aid in determining if your situation will benefit from professional help.

• Can I still get insurance after a DUI?
• Should I buy more coverage than the required minimum liability coverage?
• Is a blown tire covered by insurance?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is the difference between comprehensive and collision coverage?
• Do I pay less for low miles?
• Do I benefit by insuring my home with the same company?
• Will I be non-renewed for getting a DUI or other conviction?
• Why do I need rental car insurance?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Learn about car insurance coverages for a 1996 Dodge Ram Van

Learning about specific coverages of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, fire damage, damage from getting keyed and a broken windshield. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability – This can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of 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 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like emergency aid, court costs and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision coverage will pay to fix damage to your Ram Van from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, hitting a parking meter, scraping a guard rail, hitting a mailbox and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for short-term medical expenses like EMT expenses, prosthetic devices and pain medications. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay