1997 Dodge Ram Wagon Car Insurance Cost – 5 Savings Tips

Want cheaper insurance rates for your Dodge Ram Wagon? If you are new to online insurance, you can be overwhelmed thanks to the vast number insurance agents and companies that all promise the best rates.

It’s important to take a look at other company’s rates before your next renewal since prices tend to go up over time. Even if you think you had the lowest quotes on Ram Wagon insurance last year you may be paying too much now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the right way to properly buy coverages while reducing your premium.

Finding the best rates is easy if you know what you’re doing. In a nutshell, anyone who shops for car insurance will most likely be able to reduce their rates. Although drivers must comprehend how the larger insurance companies determine prices and take advantage of how the system works.

Five discounts to earn lower-cost car insurance rates

The cost of insuring your cars can be expensive, but there are discounts available that you may not even be aware of. Some discounts apply automatically at the time of purchase, but occassionally some discounts must be requested specifically before they will apply.

• Professional Memberships – Participating in a professional or civic organization may earn a discount on your policy.
• Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
• No Claims – Good drivers with no accidents get the best car insurance rates in comparison to bad drivers.
• Homeowners Savings – Simply owning a home can get you a discount because owning a home is proof that your finances are in order.
• Service Members Pay Less – Having a family member in the military could trigger a small discount.

Policy discounts save money, but most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

Insurance companies that may offer these money-saving discounts include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

When quoting, ask all companies you are considering how you can save money. Depending on the company, some discounts may not apply to policies in your area. To see a list of insurers offering car insurance discounts, click here to view.

Cheapest insurance coverage rate quotes

When looking for cheap auto insurance quotes, there are a couple ways to get quotes from all the different companies. The recommended way to find the cheapest 1997 Dodge Ram Wagon insurance rates is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

The fastest way to find low rates is a comparison rater form click to view form in new window. This quick form eliminates the need for separate quote forms for each price estimate. One form submission will get you price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.

A more time consuming way to find better pricing is to manually visit each company’s website and request a quote. For examples sake, we’ll pretend you want to compare Farmers, Progressive and Allstate. You would need to go to every website to input your insurance information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

The approach you take is up to you, just do your best to use the exact same information for each quote you get. If the quotes have different coverage information it will be nearly impossible to determine which rate is truly the best. Slightly different insurance coverages may cause a big price difference. Just remember that obtaining a wide range of quotes provides better odds of finding better pricing. Some regional insurers cannot provide online rate quotes, so it’s important to also get rates from them, too.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can help discover if your insurance needs would benefit from professional advice.

• What if I total my 1997 Dodge Ram Wagon and owe more than it’s worth?
• Is my babysitter covered when using my vehicle?
• Why am I be forced to buy a membership to get insurance from some companies?
• What companies insure drivers after a DUI or DWI?
• Why am I required to buy liability insurance?
• Do I get a pro-rated refund if I cancel my policy early?
• Does my medical payments coverage pay my health insurance deductible?
• I have a DUI can I still get coverage?
• Do I pay less for low miles?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Don’t be fooled by advertising claims

Progressive, Geico, Allstate and State Farm seem to constantly run ads on television and other media. All the ads state the claim of big savings if you change your coverage. How can each company save you money? Here is the trick they use.

Insurance providers have an ideal profile for the right customer that earns them the most money. For instance, a profitable risk profile might have to be over the age of 45, owns a home, and drives less than 10,000 miles a year. Any driver who fits that profile will probably get the lowest prices and will probably save a lot of money.

Potential customers who are not a match for the “perfect” profile will be charged a more expensive rate and this can result in business not being written. The ads say “people that switch” not “everyone who quotes” save that kind of money. This is how companies can truthfully make the claims of big savings. Because of the profiling, you need to get auto insurance quotes as often as possible. It’s impossible to know which insurance companies will have the best car insurance rates for your profile.

Specific coverages for a 1997 Dodge Ram Wagon

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, damage from getting keyed and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Wagon.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision protection

Collision coverage will pay to fix damage to your Ram Wagon resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like ambulance fees, doctor visits, nursing services and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability coverages

Liability coverage can cover injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things like medical services, bail bonds, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Be a smart shopper

People switch companies for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, delays in paying claims and even high prices. Regardless of your reason for switching companies, finding the right car insurance provider is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There are many occasions where consumers will sacrifice collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at the best possible price and still be able to protect your assets.

The cheapest 1997 Dodge Ram Wagon insurance is available from both online companies and from local agencies, so you need to shop auto insurance with both to have the best rate selection. Some car insurance companies may not offer rates over the internet and most of the time these small, regional companies work with local independent agencies.

Even more information is available in the articles below:

• How do I File a Claim? (Insurance Information Insitute)
• Who Has the Cheapest Bakersfield Auto Insurance for a Dodge Ram? (BakersfieldInsure.com)
• Anti-Lock Brake FAQ (iihs.org)
• State Car Insurance Guides (Geico)
• Get the Right Protection (InsureUonline.org)
• Auto Theft Statistics (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)