1998 Dodge Ram Wagon Insurance Cost

Looking for lower insurance rates for your Dodge Ram Wagon? Do you get frustrated by the sheer number of insurance providers? You have so many providers to choose from that it can turn into a ton of work to lower your rates.

First Step: Get free car insurance quotes

Comparing car insurance rates can take time and effort if you don’t know the most efficient way to do it. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can stay home and use the web to get pricing more quickly.

Many companies belong to a marketplace where insurance shoppers send in one quote, and each company then gives them pricing for coverage. This eliminates the need for quotation requests for every car insurance company. To compare pricing click here to start a free quote.

The only drawback to getting quotes like this is you can’t choose which insurance companies to receive prices from. If you wish to select from a list of companies for rate comparison, we have a listing of the cheapest car insurance companies in your area. Click to view list.

How you compare quotes is your choice, just try to use the exact same quote data with every price quote. If you compare mixed coverages then you won’t be able to determine which rate is truly the best. Just a small difference in coverage limits may result in a large different in cost. It’s important to know that comparing a wide range of rates will enable you to find the best rates.

Find hidden discounts to get affordable insurance coverage quotes

Auto insurance companies do not list the entire discount list in an easy-to-find place, so the next list breaks down both the well known and also the lesser-known savings tricks you should be using when you buy insurance online. If you aren’t receiving every discount you deserve, you could be saving more on your insurance coverage.

• Active Military Service – Being on active duty in the military may lower your premium rates slightly.
• Driver Safety – Successfully completing a course teaching driver safety skills may get you a small discount depending on where you live.
• Student Discounts – This discount may save as much as 25% on a insurance quote. Many companies even apply the discount to college students well after school through age 25.
• Telematics Data – Drivers who agree to allow their insurance coverage company to track driving manner by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they are good drivers.
• Auto/Home Discount – If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

Companies that may offer policyholders some of the above discounts possibly include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

Double check with every prospective company the best way to save money. Depending on the company, some discounts might not be available to policyholders in your area. If you would like to choose from a list of insurers who offer discounts, click this link.

Why you might pay higher rates

Many things are taken into consideration when premium rates are determined. A few of the factors are predictable such as your driving history, but other criteria are not as apparent such as whether you are married or your vehicle rating.

• Always keep your coverage in place – Letting your insurance expire is a sure-fire way to increase your insurance rates. In addition to paying higher premiums, getting caught without coverage could result in fines and jail time.
• Deter theft and save – Purchasing a vehicle that has a built-in theft deterrent system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft.
• Do you need those extra policy coverages? – There are a ton of extra bells and whistles that you can buy when buying insurance. Insurance for roadside assistance, better glass coverage, and term life insurance could be just wasting money. The coverages may be enticing when deciding what coverages you need, but if you have no use for them remove them from your policy.
• Younger drivers are expensive to insure – Young drivers are proven to be easily distracted when at the wheel of a vehicle so insurance rates are higher. Parents adding a young driver to your insurance policy can increase premiums substantially. More mature drivers are more responsible, are lower risk to insure .

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions can aid in determining if your situation may require specific advice.

• Should I have combined single limit or split liability limits?
• Does my policy cover my teen driver if they drive my company car?
• Is business equipment covered while in my vehicle?
• Is rental equipment covered for theft or damage?
• What is the difference between comprehensive and collision coverage?
• Does my liability insurance cover pulling a trailer or camper?
• Is my ex-spouse still covered by my policy?
• Do I need an umbrella policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverage information

Understanding the coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, hail damage and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like funeral costs, chiropractic care, rehabilitation expenses, ambulance fees and EMT expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t 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. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as legal defense fees, attorney fees, loss of income, pain and suffering and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Coverage for collisions

This pays for damage to your Ram Wagon resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, driving through your garage door, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Pennies from heaven

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured cut liability coverage limits to discover at claim time that it was a big mistake. The aim is to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.

You just read many ideas to lower your 1998 Dodge Ram Wagon insurance prices. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding cheaper insurance. You may even find the lowest priced car insurance comes from a smaller regional carrier.

Lower-priced car insurance is definitely available on the web and from local agencies, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not provide price quotes online and usually these regional carriers work with local independent agents.

More detailed car insurance information is located by following these links:

• Car Insurance FAQ (Trusted Choice)
• Safety Features for Your New Car (State Farm)
• Teen Driving Statistics (Geico)
• Your Car has been Stolen: Now What? (Allstate)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)