Trying to find cheaper insurance rates for your Dodge Ram Van? Nobody I know anticipates paying for insurance, especially when they are aware that they could find better prices if they shop around.
You have so many car insurance companies to insure vehicles with, and even though it’s nice to have a selection, so many choices can make it hard to locate the cheapest rates.
It’s smart to quote other rates occasionally due to the fact that insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for Ram van coverage last year you can probably find a lower rate today. Block out anything you think you know about insurance because you’re going to get a crash course in how to use the internet to save on insurance.
Multiple criteria are considered when pricing auto insurance. Some of the criteria are obvious such as traffic violations, although some other factors are not quite as obvious like your vehicle usage or how safe your car is.One of the most helpful ways to save on insurance coverage is to to have a grasp of a few of the rating criteria that come into play when calculating your insurance coverage rates. When you understand what determines base rates, this allows you to make educated decisions that can help you get cheaper rates.
The list below includes some of the major factors used by insurance companies to determine your rates.
Auto insurance companies don’t necessarily list their entire list of discounts very clearly, so we break down both the well known and also the more inconspicuous credits available to bring down your rates.
Drivers should understand that most credits do not apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride.
Some companies that may offer quotes with many of the previously listed discounts may include but are not limited to:
If you want cheaper insurance quotes, ask all the companies how you can save money. Depending on the company, some discounts might not be available to policyholders in your area. To locate insurance coverage companies that offer many of these discounts, click here to view.
Popular car insurance providers such as State Farm, Allstate and Geico regularly use television, radio, and online ads. All the ads convey the message about saving some big amount just by moving to them. That’s great but how can every company give you a better price? It’s all in the wording.
All the different companies have a preferred profile for the driver that will be a good risk. For example, a desirable insured might be described as a mature driver, carries high limits, and drives a vehicle with a low ISO rating. A customer getting a price quote who fits that profile will get the preferred premium rates and will cut their rates substantially.
Drivers who do not fit these criteria will be quoted higher rates with the end result being the customer buying from a different company. The ads state “drivers who switch” not “all people who quote” save that kind of money. That’s the way companies can make claims like that. Because every company is different, it is so important to compare many company’s rates. It’s impossible to know which company will be your best fit.
When it comes to choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can help discover whether or not you will benefit from professional help.
If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Having a good grasp of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages offered by car insurance companies.
Liability insurance – This coverage can cover damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability can pay for things such as medical expenses, attorney fees, funeral expenses, structural damage and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.
Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, falling objects, hail damage and hitting a bird. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision – Collision insurance pays for damage to your Ram Van caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like driving through your garage door, crashing into a building, colliding with another moving vehicle, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Ram Van.
Because many people 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.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as nursing services, chiropractic care, EMT expenses, surgery and prosthetic devices. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Cheaper auto insurance can be sourced on the web and with local insurance agents, so you need to quote insurance with both to have the best selection. Some insurance providers may not offer rate quotes online and many times these regional carriers prefer to sell through independent agents.
When getting insurance quotes online, it’s not a good idea to buy poor coverage just to save money. In many instances, someone dropped collision coverage to discover at claim time that the small savings ended up costing them much more. Your objective should be to buy enough coverage at a price you can afford, not the least amount of coverage.
Kit Dotson
Mine is so expensive. I’m just north of Tulsa, OK. Got prices from Progressive, AIG Insurance, and some I forget for my 1999 Dodge Ram Van and I’m now saving $23 a month. I don’t put full coverage on it.
Moses Duffy
In Pittsburgh, PA, State Farm is a good choice. Hopefully won’t need it.
Lakenya Goff
Cheapest quote for my 1999 Dodge Ram Van was with Esurance. Moved home policy as well. I used their online quote form to compare rates. Just liability coverage since it’s getting old.
Alise Mcleod
I’m in the suburbs of Missoula, MT. Quoted with Allstate, Amica, Esurance, and Hartford for my Ram Van and I’m now saving $17 a month. Was with AIG Insurance. Book value doesn’t justify full coverage anymore.
Sandi Willis
Found cheapest coverage with Auto-Owners for my Dodge and cut my rates about $90 a year. Have a couple speeding tickets too. Wish I didn’t have to insure at all. Anyone else drop full coverage?
Kai Ortega
Anyone buy from American Family? I’m in Hilo, HI.
Latosha Mercado
From Fort Smith, AR. Not sure of all the companies but I ended up saving about $20 each month. I have a couple other vehicles on the policy. They have free quotes online.
Janette Bryan
From Tucson, Arizona. Got quotes with State Farm, Erie, and Liberty Mutual for my 1999 Dodge Ram Van and saved just over $90 a year. Not sure if rates are cheaper online or through an agent.
Remedios Thomas
I’m in the south part of Paterson, New Jersey. I got free rates from 21st Century, Erie, and Hartford for my 1999 Dodge Ram Van and saved $86 a year. BTW speeding tickets are not good. Hardly afford to drive anymore.
Kurt Waller
Compared rates with Allstate and American Family but still pricey.
Jessika Ratliff
Will State Farm give a discount for driver training?
Bok Sanchez
I’m looking for cheaper coverage. Live in Milwaukee, Wisconsin. I got free quotes from American Family, MetLife, and some smaller one I can’t remember the name of for my 1999 Dodge Ram Van and I’m now saving $14 a month. Teenage drivers are expensive! :) I don’t have comp or collision coverage.
Linnea Petersen
Went with The General for my 1999 Dodge Ram Van and cut my rates about $110 a year. Insured with 21st Century before. It was easy to get rates.
Reid Harvey
Does 21st Century insure after a DUI?
Paulene Church
1999 Dodge Ram Van + Allstate = CHEAP! At least inNebraska anyway.