1996 Dodge Ram Wagon Insurance Quotes – 10 Tips for Best Rates

If price shopping insurance coverage quotes online is new to you, by this point your are probably confused thanks to the incredible selection of auto insurance companies who all claim to have the lowest rates.

It’s important to get comparison quotes as often as possible since rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rate for Ram Wagon insurance a year ago there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to use the internet to find better coverage at a better price.

Where can I get cheap car insurance?

There are several ways to obtain and compare prices from many different insurance companies. The simplest method to comparison shop is to perform an online rate comparison. This can be accomplished in a couple of different ways.

The simplest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This form keeps you from doing multiple quote forms for every prospective company. In just a few minutes this one form gets you price quotes from multiple low-cost companies. It’s definitely the quickest method.

A more difficult way to analyze rates is to manually visit each company website to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare rates from Nationwide, Geico and Allstate. To find out each rate you need to visit each site to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The method you choose is up to you, but ensure you’re using the same coverages and limits with every price quote. If each company quotes different liability limits it will be nearly impossible to make an equal comparison. Even a minor difference in coverages could throw off the whole comparison. And when comparing car insurance rates, know that comparing more rates from different companies gives you a better chance of getting lower pricing.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions might help in determining whether or not you might need professional guidance.

• How much can I save by bundling my policies?
• Do I need replacement cost coverage on my 1996 Dodge Ram Wagon?
• Will filing a claim cost me more?
• Is my ex-spouse still covered by my policy?
• Am I getting all the discounts available?
• Does liability extend to a camper or trailer?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How can I get high-risk coverage after a DUI?
• What is the difference between comprehensive and collision coverage?
• I don’t drive much so do I pay less?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverage information

Knowing the specifics of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills such as dental work, X-ray expenses, chiropractic care, doctor visits and nursing services. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, damage from a tornado or hurricane, falling objects and vandalism. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision insurance will pay to fix damage to your Ram Wagon resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Dodge Ram Wagon.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance

This protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like repair costs for stationary objects, court costs and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.