Searching for the cheapest insurance rates for your Dodge Ram Cargo? Are you drained from paying out the nose each month for insurance? You are no different than most other consumers. There are many insurance companies to buy insurance from, and even though it’s nice to have multiple companies, more options can take longer to find the best rates.
It’s smart to quote other rates at least once a year because rates fluctuate regularly. Despite the fact that you may have had the lowest premium rates on Ram Cargo insurance a few years ago you will most likely find a better price today. Ignore everything you know about insurance because you’re about to find out the best way to get good coverage at a lower rate.
Performing a rate comparison can be challenging if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) talking to insurance companies in your area, or you can stay home and use online quoting to achieve your goal.
Most major companies enroll in a system that allows shoppers to enter their coverage request one time, and at least one company then gives them pricing. This eliminates the need for repetitive form submissions for each company you want a rate for.
To fill out one form to compare multiple rates now click to open in new window.
One minor caviat to doing it this way is you are unable to specify the providers you will receive quotes from. So if you prefer to choose individual companies to compare rates, we have a page of low cost car insurance companies in your area. Click here to view list.
The approach you take is up to you, just make darn sure you compare nearly identical coverage information on every quote. If you use different data it will be next to impossible to make a fair rate comparison.
Consumers can’t get away from all the ads for cheaper car insurance by Allstate, GEICO and Progressive. All the ads say the same thing that people will save if you move your car insurance coverage to their company.
How does each company make almost identical claims? It’s all in how they say it.
All the different companies have specific guidelines for the type of driver they prefer to insure. An example of this type of risk profile should be between the ages of 30 and 50, has no driving citations, and drives less than 5,000 miles a year. Anyone who matches those parameters will get very good premium rates as well as save a lot if they switch.
Drivers who do not match this stringent profile may be forced to pay higher premium rates which translates to the customer buying from someone else. The trick companies use is to say “people that switch” not “everyone that quotes” save that kind of money. This is how insurance companies can confidently lure you into getting a quote. Each company has different criteria, so it’s extremely important to get insurance quotes as often as possible. It’s just too difficult to predict which insurance companies will give you the biggest savings.
Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. A few discounts will be applied when you purchase, but less common discounts must be requested specifically prior to getting the savings. If they aren’t giving you every credit available, you’re just leaving money on the table.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, you won’t be that lucky.
A list of companies and a partial list of their discounts include:
It’s a good idea to ask every prospective company which discounts you qualify for. Savings might not be available to policyholders in every state. To view insurers that can offer you the previously mentioned discounts, follow this link.
When buying the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine if your insurance needs might need professional guidance.
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Understanding the coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.
Medical expense coverage – Med pay and PIP coverage kick in for expenses for things like EMT expenses, ambulance fees, X-ray expenses and hospital visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible
Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like damage from getting keyed, hitting a bird, fire damage and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Liability – This can cover damage or injury you incur to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.
Liability insurance covers things such as structural damage, repair bills for other people’s vehicles, court costs and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.
When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. In many cases, an accident victim reduced full coverage only to regret at claim time that it was a big error on their part. Your aim should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.
Lower-priced car insurance can be sourced on the web and from local agencies, and you should compare rates from both to have the best selection. A few companies may not provide rate quotes online and usually these small, regional companies only sell coverage through independent agencies.