Cheap 2001 Dodge Ram Wagon Insurance Rates

Looking for better car insurance rates for your Dodge Ram Wagon? Finding better insurance prices for your Dodge Ram Wagon can be a lot of work, but you can use these tips and make it easy. There is a better way to compare car insurance rates and we’ll show you the best way to get price quotes for a Dodge and find the cheapest rates from local insurance agents and online providers.

If you have a policy now or are shopping for new coverage, you can use this information to cut your premiums and possibly find even better coverage. Finding affordable protection can be fairly easy. Vehicle owners only need to know the tricks to compare prices on the web.

Eight factors that determine insurance rates

Multiple criteria are used when you get a price on insurance. Some of the criteria are obvious such as your driving record, but some are not quite as obvious like your continuous coverage or your vehicle rating.Part of the insurance buying process is learning some of the things that help determine the rates you pay for insurance. If you understand what impacts premium levels, this empowers consumers to make smart changes that may result in much lower annual insurance costs.

The list below includes some of the most rate-impacting factors used by your company to calculate your rates.

  • Cars with good safety ratings mean better rates – Vehicles with high crash test scores are cheaper to insure. Vehicles built for safety reduce the chance of injuries and better occupant protection means your insurance company pays less and more competitive rates for policyholders.
  • Where do you drive? – The higher the miles on your Dodge in a year the more you’ll pay to insure it. The majority of insurers apply a rate based upon how you use the vehicle. Vehicles that sit idle most of the time qualify for better rates than cars that get driven a lot. Incorrect rating for your Ram Wagon can result in significantly higher rates. Ask your agent if your policy states the correct usage for each vehicle, because improper ratings can cost you money.
  • Never let your insurance expire – Allowing your insurance policy to lapse will be a sure-fire way to increase your rates. And not only will insurance be more expensive, the inability to provide proof of insurance can result in a steep fine or even jail time.
  • Rates and employer – Jobs like fire fighters, executives and accountants tend to have higher premium rates because of intense work requirements and incredibly demanding work hours. Other careers like scientists, athletes and retirees pay lower than average rates on Ram Wagon coverage.
  • Gender and auto insurance – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better drivers. Both genders cause accidents at a similar rate, but men cause more damage and cost insurance companies more money. Not only that, but men also get ticketed for serious violations like DUI and reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • More people means more accidents – Having an address in less populated areas of the country has it’s advantages when buying insurance. Drivers who live in large cities regularly have more road rage incidents and longer commute times. Lower population corresponds to lower accident rates.
  • File a claims and pay more – Car insurance companies give cheaper rates to people who only file infrequent claims. If you are the type of insured that files lots of claims you can pretty much guarantee higher rates. Your insurance policy is intended to be relied upon for larger claims.
  • Insurance is expensive for teenage drivers – Older, more experienced drivers are more cautious drivers, tend to file fewer claims .Teen drivers have been known to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their insurance rates are much higher.

Car insurance discounts help reduce rates

Auto insurance companies don’t necessarily list every available discount in a way that’s easy to find, so we took the time to find both well-publicized as well as some of the hidden car insurance savings.

  • Distant Student – Older children who live away from home at college and do not take a car to college may be able to be covered for less.
  • Discounts for Good Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Ram Wagon coverage than drivers with accidents.
  • Defensive Driver – Taking part in a course teaching defensive driver skills may get you a small discount and easily pay for the cost of the class.
  • Telematics Discount – People who choose to allow their company to scrutinize when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot might see lower rates if they have good driving habits.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars on one policy could earn a price break for each car.
  • Good Student – Being a good student could provide a savings of up to 20% or more. The good student discount can last up to age 25.

We need to note that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. So when the math indicates you can get free auto insurance, company stockholders wouldn’t be very happy.

Large car insurance companies and a selection of discounts are:

  • GEICO has savings for federal employee, membership and employees, emergency military deployment, driver training, military active duty, and anti-theft.
  • MetLife may offer discounts for defensive driver, accident-free, good student, claim-free, good driver, and multi-policy.
  • State Farm may have discounts that include anti-theft, Drive Safe & Save, good student, passive restraint, defensive driving training, and accident-free.
  • Progressive offers premium reductions for homeowner, multi-policy, online signing, good student, online quote discount, multi-vehicle, and continuous coverage.
  • Mercury Insurance may include discounts for accident-free, type of vehicle, good driver, age of vehicle, good student, and location of vehicle.
  • 21st Century offers discounts including theft prevention, student driver, defensive driver, air bags, and early bird.
  • Allstate discounts include anti-theft, EZ pay plan discount, 55 and retired, farm vehicle, utility vehicle, and auto/life discount.

If you need lower rates, check with all companies you are considering to apply every possible discount. Some of the discounts discussed earlier might not apply in your state. To see insurance companies that offer some of these discounts, follow this link.

Do auto insurance companies bend the truth?

Consumers can’t avoid all the ads that promise big savings from the likes of Allstate, GEICO and Progressive. All the companies seem to make the promise that you’ll save big after switching your coverage.

How is it plausible that every one can save you money?

All companies offer their best rates for the type of driver that will add to their bottom line. An example of a profitable insured could be a mature driver, has a low-risk occupation, and has great credit. Anyone that hits that “sweet spot” receive the lowest rate quotes and is almost guaranteed to save quite a bit of money when switching.

Potential customers who do not meet this ideal profile must pay a more expensive rate which leads to business going elsewhere. The wording the ads use say “customers that switch” but not “all drivers who get quotes” save that much. That is how companies can make claims that they all have the best car insurance rates. Different companies use different criteria so drivers should compare quotes as often as possible. It’s not possible to predict which company will have the best rates.

Which is the best insurance?

When it comes to buying the best insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions can aid in determining whether your personal situation may require specific advice.

  • Is there coverage for injuries to my pets?
  • Is my custom paint covered by insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Where can I find high-risk insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Are rental cars covered under my policy?
  • Do I need rental car coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Information about specific coverages

Having a good grasp of insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills for prosthetic devices, dental work and X-ray expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

This coverage covers damage to your Ram Wagon resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, scraping a guard rail, crashing into a building, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Dodge Ram Wagon.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, hitting a bird, rock chips in glass and vandalism. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

Liability coverage can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like medical services, structural damage and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

What is YOUR best insurance company?

You just read many tips how you can compare 2001 Dodge Ram Wagon insurance car insurance rates online. The key concept to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers could even find that the most savings is with the least-expected company.

When getting insurance coverage quotes online, it’s a bad idea to reduce needed coverages to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at a price you can afford, but do not skimp to save money.

Insureds leave their current company for a number of reasons such as being labeled a high risk driver, questionable increases in premium, an unsatisfactory settlement offer or high prices. Whatever your reason, finding a new company is easier than you think.

Additional detailed information is located by following these links:

Comments About 2001 Dodge Ram Wagon Insurance

  1. Pearle Parsons

    If you have a good history and live in the vicinity of Warwick, Rhode Island, check out Allstate. They seem to be cheaper. It’s still not cheap enough. I only have liability coverage on it.

  2. Beatriz Mills

    Proud to be from Newark, DE, and State Farm rates were best. It’s still not cheap enough.

  3. Erin Ross

    From south side of Lexington, KY. Checked online prices for a 2001 Dodge Ram Wagon. Ended up at about $120 savings annually. Went with State Farm. My Dodge doesn’t have full coverage.

  4. Joellen Pollard

    I’m in Norman, OK. Got free quotes online for a 2001 Dodge Ram Wagon. Ended up at about $120 savings annually. Went with Allstate. Anyone else drop full coverage?

  5. Patti Everett

    I’m in Greensboro, North Carolina and for me State Farm had the lowest quote. I increased coverages a little too. I recommend comparing lots of rates. I just carry liability insurance.

  6. Tu Carson

    I’m in Green Bay, Wisconsin. Checked online prices for a 2001 Dodge Ram Wagon. Ended up at about $120 savings annually. Went with GEICO. Was with Allstate. :P

  7. Leana Carpenter

    Nice post. I’m just south of Tucson, AZ. Went online for free insurance quotes for a 2001 Dodge Ram Wagon. Ended up at about $120 savings annually. Went with Allstate. I don’t have comp or collision coverage.

  8. Lenna Avila

    Hope my car insurance gets cheaper. Lifelong resident of Davenport, IA. I quoted with Travelers, AAA, Hanover, and Safeco for my 2001 Dodge Ram Wagon and saved $94 a year. Online quotes are the way to go. Anyone else drop full coverage?

  9. Kaycee Casey

    Will 21st Century raise rates for a small claim?

  10. Melvin Oneal

    Any companies in Lewiston, ME that will insure a DUI?

  11. Carlee Mack

    I’m in the north part of Colorado Springs, CO. Don’t remember every company but I ended up saving about $20 each month.

  12. Lonnie Wynn

    I’m in Missoula, MT. Quoted prices online for a 2001 Dodge Ram Wagon. Ended up at about $120 savings annually. Went with GEICO. I’m a pretty good driver though.

  13. Lavon Mccall

    If you have a good history and live in the vicinity of Madison, Wisconsin, check out State Farm. You might get cheaper rates. Good savings if you bundle. Might find lower rates online.

  14. Mike Flores

    Well-written and thought out article. From northwest of Parkersburg, West Virginia. Received quotes from State Farm, AIG Insurance, and Farmers for my Ram Wagon and saved around $100 a year. I think they have home insurance too. Not sure about claim service.

  15. Jorge Cantrell

    Just my two cents. Proud to be from Worcester, MA. Checked online prices for a 2001 Dodge Ram Wagon. Ended up at about $120 savings annually. Went with 21st Century. I get multi-vehicle and multi-policy discounts.

  16. Mertie Bowers

    If you’re a decent driver and live in the vicinity of Manchester, NH, check out Allstate. You might save some money. Left Western Auto Insurance to switch. It’s easy to compare rates online now. I think I’ll get rid of full coverage next time.

  17. Stephine Alston

    Not sure if this is cheap. Live in Dover, DE. Checked online prices for a 2001 Dodge Ram Wagon. Ended up at about $90 savings annually. Went with Progressive. I get lower rates because of my clean driving record. My Dodge doesn’t have full coverage.

  18. Taneka Jefferson

    Cheaper car insurance is a myth. I’m in the south part of Madison, WI. Not sure of all the companies but I ended up saving about $20 each month. Was with Safeco. I got prices on the web. I just carry liability insurance.

  19. Ronda Hahn

    Cheaper car insurance is a myth. I’m from Newark, Delaware. I don’t recall every quote but I ended up saving about $20 each month. Wish I didn’t have to insure at all.

  20. Sherill Grimes

    Will 21st Century cancel my policy for a liability claim?

  21. John Richardson

    Will Progressive cancel my policy for a liability claim?