Save on 2000 Dodge Ram Wagon Insurance Quotes

Trying to find the cheapest auto insurance rates for your Dodge Ram Wagon? Are you sick and tired of trying to scrape together enough money to buy auto insurance? Your situation is no different than most other people. Because there are so many options, it’s difficult to locate the right auto insurance provider.

It’s a good habit to shop coverage around on a regular basis because auto insurance prices go up and down regularly. Even if you think you had the best deal for Ram Wagon coverage a couple years back a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to find out the proper way to lower your rates without sacrificing coverage.

Compare quotes for auto insurance

Finding a better price on auto insurance is not a difficult process. The only thing you need to do is spend a few minutes comparing rate quotes to find the company with inexpensive insurance quotes. This can easily be done in a couple of different ways.

  • The most recommended method consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This type of form eliminates the need for separate forms for each company you want a rate for. One simple form gets you coverage quotes from multiple low-cost companies.
  • A harder way to get quotes online is to take the time to go to each company website and go through the quote process again. For example, we’ll assume you want comparison quotes from Progressive, Esurance and Farmers. You would be required to go to every website and repeatedly enter your information, which can get old fast. For a list of links to companies insuring cars in your area, click here.
  • The hardest method to comparison shop rate quotes is to spend your day driving to different agent offices. Comparing rates online makes this process obsolete unless you’re the type of person who wants the personal advice that only an agent can give. If you prefer, some companies allow you to get the lowest quotes online but have a local agent actually write the policy.

It’s your choice how you get your quotes, but make sure you use exactly the same coverages for each quote you get. If you have different values for each quote then you won’t be able to make an equal comparison.

Discounts to earn lower-cost insurance coverage rates

Not too many consumers would say insurance coverage is affordable, but companies offer discounts that may help make it more affordable. Larger premium reductions will be automatically applied at quote time, but some need to be asked for prior to getting the savings. If you are not receiving all the discounts possible, you could be paying more than you need to.

  • Multi-Vehicle Discounts – Having multiple vehicles with the same insurance coverage company can reduce rates for all insured vehicles.
  • Home Ownership Discount – Just owning your own home can save a few bucks since home ownership shows financial diligence.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Defensive Driver – Successfully completing a class that teaches safe driver techniques could save 5% or more depending on where you live.
  • Active Military Service – Having a family member in the military may lower your insurance coverage rates slightly.
  • College Student Discount – College-age children who are attending college and do not take a car to college could get you a discount.
  • E-sign Discounts</strong – Certain larger companies will provide an incentive for buying a policy and signing up online.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save 10% or more off the PIP or medical payment premium.
  • Senior Citizen Rates – Older drivers can get reduced rates for Ram Wagon coverage.
  • Telematics Data – Insureds who allow companies to track vehicle usage remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as they are good drivers.

One thing to note about discounts is that most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Despite the appearance that you can get free auto insurance, it doesn’t quite work that way.

Companies and their offered discounts are included below.

  • GEICO has discounts for good student, defensive driver, multi-vehicle, daytime running lights, and membership and employees.
  • USAA has savings for annual mileage, good student, safe driver, driver training, multi-policy, and vehicle storage.
  • Progressive may offer discounts for continuous coverage, multi-policy, online quote discount, online signing, homeowner, good student, and multi-vehicle.
  • American Family may have discounts that include air bags, multi-vehicle, TimeAway discount, early bird, good driver, and bundled insurance.
  • Esurance offers premium reductions for online shopper, multi-car, Switch & Save, anti-theft, safety device, and online quote.
  • Farmers Insurance may include discounts for pay in full, early shopping, business and professional, alternative fuel, and youthful driver.
  • State Farm offers discounts for anti-theft, Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, and good student.

If you are trying to find affordable insurance quotes, ask each insurance company what discounts are available to you. Some credits might not be offered in your area. To choose insurance coverage companies that have a full spectrum of discounts, click this link.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • What is no-fault insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is pleasure use cheaper than using my 2000 Dodge Ram Wagon to commute?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if I break a side mirror?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Specific coverages for a 2000 Dodge Ram Wagon

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by car insurance companies.

Liability auto insurance

This can cover damages or injuries you inflict on other’s property or people in an accident. 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 per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as loss of income, attorney fees, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

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

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for things like ambulance fees, doctor visits, prosthetic devices and surgery. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, hitting a bird, damage from getting keyed and theft. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Compare but don’t skimp

When getting insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. In many instances, someone dropped liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your goal should be to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.

Cheaper insurance coverage is attainable online as well as from insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who don’t offer online price quotes and these small insurance companies prefer to sell through independent insurance agents.

You just read a lot of information how to compare 2000 Dodge Ram Wagon insurance premium rates online. It’s most important to understand that the more companies you get prices for, the better your comparison will be. You may even discover the lowest priced insurance coverage comes from some of the lesser-known companies. Some small companies often have lower prices on specific markets than their larger competitors like Allstate or State Farm.

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Comments About 2000 Dodge Ram Wagon Insurance

  1. Cristine Browning

    I live just to the west of Cleveland, OH. Got free quotes online for a 2000 Dodge Ram Wagon. Ended up at about $120 savings annually. Went with Allstate. Insured with Erie before. I don’t insure for physical damage though.

  2. Amanda Donovan

    I got a good deal I think. I live in a small town just outside of Lewiston, ME. I quoted with American Family, Encompass, and Safeco for my Dodge and cut my rates about $80 a year. I recommend comparing lots of rates.

  3. Elaina Weeks

    Corporate greed I’m telling you. Lifelong resident of Billings, Montana. Quoted with Western Auto Insurance, AIG Insurance, Hartford, and Mercury for my 2000 Dodge Ram Wagon and I’m now saving $17 a month. I increased coverages a little too. I think I’ll get rid of full coverage next time.

  4. Matthew Austin

    If you have a good history and are close to Tampa, Florida, check out Progressive. They seem to be cheaper. Was with Mercury. I get a discount for insuring multiple vehicles.

  5. Cyrus Schneider

    Will State Farm insure with a DUI in Nampa, Idaho?

  6. Savanna Pittman

    In Sioux Falls, SD, GEICO is a good choice. Left USAA to switch.

  7. Evelyn Scott

    Does GEICO have good customer service?

  8. Esta Walls

    If you have a good history and live in the vicinity of Columbus, OH, check out 21st Century. They seem to be cheaper. Bought it from an online quote.

  9. Albert Lynn

    If you’re a decent driver and are close to Shreveport, Louisiana, check out 21st Century. You might save some money. Hopefully won’t need it. They were helpful in switching over. I think I’ll get rid of full coverage next time.

  10. Myung Alvarez

    I’m in the south part of Des Moines, Iowa. Got car insurance quotes from Allstate, Farmers, and GMAC for my Dodge and saved just over $120 a year. They have a lot of discounts available.

  11. Annis Solis

    Affordable car insurance is a myth. Proud to be from Springfield, MA. Went online for free insurance quotes for a 2000 Dodge Ram Wagon. Ended up at about $70 savings annually. Went with GEICO. Moved home policy as well. I quoted rates online then called them. Just liability coverage since it’s getting old.