How Much Does 1999 Dodge Ram Wagon Insurance Cost?

Comparison shopping for low cost Driversinsurance can seem to be very difficult for drivers who are beginners to quoting coverage prices online. With such a large number of insurance companies available, it can be hard work to compare coverage rates.

Consumers should take time to do rate comparisons periodically due to the fact that insurance prices trend upward over time. Even if you think you had the best rate for Ram Wagon insurance last year you will most likely find a better premium rate today. Ignore everything you know about insurance because you’re about to learn the proper way to find the best coverage while lowering your premiums.

Locating cheaper car insurance coverage is quite easy. Basically, every vehicle owner who shops for car insurance will be able to save money. Nevertheless, car owners do need to understand the way companies sell insurance online.

Free auto insurance quotes

The are a couple different ways of comparing rate quotes from all the different companies. By far the easiest way to find competitive 1999 Dodge Ram Wagon insurance rates consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.

• The single most time-saving way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do repetitive form submissions for each company. Taking the time to complete one form gets insurance cost estimates from auto insurance companies with the best prices. It’s definitely the quickest method.
• A slightly less efficient method to analyze rates is spending the time to visit the website for every company you want to comare and get a separate price quote. For instance, let’s say you want to get rates from Auto-Owners, State Farm and GMAC. You would need to go to each individual site to enter your coverage information, which can get rather old. To view a list of companies in your area, click here.

How you compare quotes is your choice, just be sure you’re using nearly identical coverages and limits with every price quote. If you have different limits and deductibles on each one you will not be able to truly determine the lowest rate. Even a minor difference in limits can make a big difference in price. Just keep in mind that making a lot of price comparisons helps you find a better price. Some smaller insurers to not give online price quotes, so you need to compare rates from them, too.

Don’t listen to company ads

Popular insurance coverage providers such as Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. They all make the same claim that you’ll save big after switching to their company. But how can every company make the same claim? Just pay attention to how they say it.

Insurance companies have specific characteristics for a prospective insured that earns them a profit. For example, a preferred risk might have to be a married female, owns their home, and drives a vehicle with a low ISO rating. Any customer who fits that profile will probably get the lowest car insurance rates and will most likely save when they switch companies.

People who do not match the requirements will probably be forced to pay a higher premium and ends up with the customer buying from someone else. If you pay close attention to the ads, they say “people that switch” but not “all drivers who get quotes” save that much. That is how companies can truthfully make the claims of big savings.

That is why it’s extremely important to compare as many free auto insurance quotes as you can. It’s just not possible to know the company that will fit you best based on your risk profile.

Smart buyers save money

Many different elements are used in the calculation when quoting car insurance. A few of the factors are predictable such as your driving record, although others are more transparent like your vehicle usage or your vehicle rating.

• Safeguard your assets with liability coverage – A critical coverage on your policy, liability insurance will provide protection when a jury decides you are liable for causing personal injury or damage in an accident. It will provide you with a defense in court which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so do not cut corners here.
• Prevent theft and save – Owning a car with advanced anti-theft systems can help lower your rates. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft.
• Insurance costs and driver gender – Over time, data shows females are less aggressive when driving. That doesn’t necessarily mean that males are worse at driving than females. Females and males are in auto accidents in similar numbers, but guys cause more damage. They also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers cause the most accidents and are penalized with high insurance rates.
• Marriage is a factor – Getting married helps lower the price when shopping for insurance. Having a significant other is viewed as being more mature and responsible and insurance companies reward insureds because being married results in fewer claims.
• Lower physical damage deductibles cost more – Comp and collision deductibles are the amount of money the insured will be required to pay in the event of a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered could be rearending another vehicle, damage caused by hail, or theft of your vehicle. The more damage repair cost you’re willing to pay, the less your company will charge you for insurance for Ram Wagon insurance.

Discounts for cheaper insurance coverage rates

Insurance can cost an arm and a leg, but there may be some discounts that many consumers don’t even know exist. Some discounts will apply at the time of quoting, but some discounts are required to be asked about prior to getting the savings.

• Driver Safety – Completing a defensive driving class could cut 5% off your bill and easily pay for the cost of the class.
• Discounts for Government Workers – Employees or retirees of the government could provide a small rate reduction for Ram Wagon insurance with a few insurance coverage companies.
• Discount for Low Mileage – Fewer annual miles on your Dodge can earn lower rates on the low mileage vehicles.
• Early Signing – Some insurance coverage companies reward drivers for signing up prior to your current policy expiration. You could save around 10% when you buy auto insurance online.
• Discount for Life Insurance – Not all companies offer life insurance, but some may give you a small discount if you purchase some life insurance in addition to your auto policy.

Consumers should know that many deductions do not apply the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like you can get free auto insurance, you’re out of luck. But all discounts will help lower your overall premium however.

Some of the insurance companies that may offer most of the discounts above are:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

When getting free auto insurance quotes, it’s a good idea to every company the best way to save money. Savings might not be offered in every state. To find insurance companies who offer free insurance coverage quotes, click here.

You may need specialized auto insurance coverage

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions may help you determine whether your personal situation could use an agent’s help.

• Does my insurance cover my expensive audio equipment?
• Why am I required to get a high-risk car insurance policy?
• Does medical payments coverage apply to all occupants?
• When should I remove comp and collision on my 1999 Dodge Ram Wagon?
• Am I covered when pulling a rental trailer?
• Do I need PIP coverage since I have good health insurance?
• Is my nanny covered when driving my vehicle?
• Is my cargo covered for damage or theft?
• Does my personal policy cover me when driving out-of-state?
• When should I buy a commercial auto policy?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Auto insurance coverages

Knowing the specifics of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance

This coverage will cover damage that occurs to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical expenses, bail bonds and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

Collision insurance covers damage to your Ram Wagon resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, rolling your car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Wagon.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like hospital visits, doctor visits, rehabilitation expenses, funeral costs and surgery. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a deer, theft and hitting a bird. The highest amount a 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.

More comparisons equals lower rates

As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. In many instances, someone sacrificed liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Drivers leave their current company for many reasons like extreme rates for teen drivers, policy cancellation, high prices and even policy non-renewal. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.

We just covered a lot of ways to compare 1999 Dodge Ram Wagon insurance rates online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding the cheapest auto insurance. You may even discover the best rates are with a lesser-known regional company.

More tips and info about auto insurance is available in the articles below:

• Prom Night Tips for Teen Drivers (State Farm)
• Who Has Affordable San Jose Auto Insurance for a Dodge Ram? (SanJoseCoverage.com)
• Airbag FAQ (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)