Lower Your 2002 Dodge Ram Cargo Car Insurance Quotes

Searching for the cheapest insurance coverage rates? Consumers have a choice when looking for the best price on Dodge Ram Cargo insurance. They can either waste time struggling with agents trying to get quotes or use the internet to find the lowest rates. There are more efficient ways to buy insurance coverage so you’re going to learn the best way to price shop coverage for your Dodge and find the best price possible from both online companies and local agents.

You should take the time to compare rates before your next renewal due to the fact that insurance rates trend upward over time. Just because you found the best premium rates for Ram Cargo coverage last year there may be better deals available now. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but you can learn a lot of great tips on how to stop overpaying for insurance.

How to find cheap car insurance

All the larger car insurance companies such as Progressive, Geico, Allstate and State Farm give prices on their websites. Obtaining pricing doesn’t take a lot of time as you simply type in the coverages you want into a form. When complete, their rating system sends out for your driving and credit reports and quotes a price based on these factors.

This makes comparing rates easy, but having to visit a lot of sites and type in your information can get tiresome after awhile. But it’s necessary to compare as many rates as possible in order to get the lowest car insurance rates.

A more efficient way to lower your car insurance bill uses one simple form that gets price quotes from many companies. It’s a real time-saver, reduces the work, and makes online price comparison much easier. After sending your information, your coverage is rated with multiple companies and you can pick any or none of the quotes that you receive. If you find a better price you can click and sign and buy the policy. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To compare pricing, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you copy the coverages just like they are on your policy. This makes sure you will receive a fair comparison for the exact same coverage.

Can you really save that much by switching?

Consumers can’t get away from ads that claim the best car insurance rates from companies such as Progressive, Geico, Allstate and State Farm. They all seem to make the same claim of big savings if you change your policy.

That’s great but how can every company lower your car insurance rates?

Companies have specific characteristics for the type of driver that earns them a profit. One example of a preferred risk might have to be over age 30, has few claims, and does not commute to work. A customer that matches those criteria will qualify for the lowest rates and will also save a lot if they switch.

Potential insureds who do not fit these criteria will be charged a higher premium and ends up with business going elsewhere. The wording the ads use say “people who switch” not “everybody who quotes” save the amount stated. That is how companies can make those statements. This really illustrates why drivers should do a quote comparison often. Because you cannot predict with any certainty which company will have better prices than you’re paying now.

Buy Dodge Ram Cargo insurance for less

Smart consumers have a good feel for the factors that help calculate the price you pay for insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with cheaper rates. Many things are considered when pricing auto insurance. Some are obvious such as traffic violations, although some other factors are not quite as obvious like where you live or how financially stable you are.

• Keep the miles off and save – The more miles you rack up on your Dodge annually the higher your rates will be. A lot of companies price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks left parked in the garage receive lower rates than vehicles that are driven to work every day. Make sure your vehicle rating shows the proper vehicle usage, because improper ratings can cost you money. An incorrectly rated Ram Cargo is throwing money out the window.
• Insure car and home with the same company – Most major insurers afford a discount to buyers that buy multiple policies. It’s known as a multi-policy discount. The amount of the discounts can be ten percent or more. Even though this discount sounds good, you still need to check prices from other companies to guarantee you are still saving the most.
• Deter vehicle theft – Owning a car with advanced anti-theft systems can help bring down rates. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder vehicle theft.
• Safer cars cost less to insure – Cars with high safety ratings tend to have lower insurance rates. These vehicles reduce the chance of injuries and fewer injuries means less money paid by your insurance company and lower rates for you.
• No policy lapses saves money – Driving any period of time without insurance can get your license suspended and insurance companies will penalize you for letting your insurance lapse for non-payment. Not only will rates go up, being ticketed for driving with no insurance may earn you a license revocation or jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• Cheaper rates with high comp and collision deductibles – Physical damage coverage, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Some examples of covered claims could be a dented fender, hail damage, and rolling your vehicle. Comprehensive and collision coverage deductibles define the amount you are required to pay before your insurance pays a claim. The more of the claim you pay before a claim is paid (deductible), the less your company will charge you for insurance for Ram Cargo coverage.

Get cheap rates with discounts

Companies that sell car insurance don’t always list all available discounts very well, so below is a list some of the more common as well as the least known credits available to bring down your rates. If you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.

• Military Discounts – Being on active deployment in the military could be rewarded with lower auto insurance rates.
• Discount for Swiching Early – Some auto insurance companies give discounts for buying a policy early. It’s a savings of about 10%.
• Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive so companies give up to a 10% discount.
• Accident Forgiveness – but certain companies allow you one accident before they charge you more for coverage so long as you are claim-free prior to the accident.
• Driver’s Ed – Teen drivers should enroll in driver’s education in school.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance in addition to your auto policy.
• Driving Data Discount – Drivers who agree to allow their insurance company to track driving habits by using a telematic data system such as State Farm’s In-Drive may see discounts if their driving habits are good.
• Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
• Discount for Good Grades – This discount can save 20 to 25%. You can use this discount normally up to age 25.
• Distant Student – College-age children who live away from home at college without a vehicle on campus may qualify for this discount.

Remember that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as comprehensive or collision. So even though you would think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Car insurance companies that have these discounts are:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

Before buying, ask each company or agent what discounts are available to you. A few discounts may not apply to policyholders in your area. To choose companies who offer auto insurance discounts, click here.

What is the best auto insurance coverage?

When it comes to choosing coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions could help you determine if your situation may require specific advice.

• Should I drop comprehensive coverage on older vehicles?
• How much underlying liability do I need for an umbrella policy?
• Exactly who is provided coverage by my policy?
• How many claims can I have before being cancelled?
• Am I covered by my spouse’s policy after a separation?
• Can I make deliveries for my home business?
• What vehicles should carry emergency assistance coverage?
• Am I covered when pulling a rental trailer?
• Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Learn about insurance coverages for a 2002 Dodge Ram Cargo

Understanding the coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision – This coverage pays for damage to your Ram Cargo caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, backing into a parked car, colliding with another moving vehicle, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like prosthetic devices, funeral costs, chiropractic care and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Dodge Ram Cargo.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability – Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

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 100/300/100 which means 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 insurance covers claims such as attorney fees, medical expenses, pain and suffering and emergency aid. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, vandalism and hitting a bird. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More quotes. Lower rates.

You just learned many tips how you can compare 2002 Dodge Ram Cargo insurance prices online. It’s most important to understand that the more quotes you get, the higher your chance of finding low cost insurance coverage. You may even find the best prices are with a small local company.

Insureds leave their current company for any number of reasons including high prices, extreme rates for teen drivers, an unsatisfactory settlement offer and even being labeled a high risk driver. No matter why you want to switch, finding a new insurance company can be easy and end up saving you some money.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured dropped collision coverage only to regret at claim time they didn’t have enough coverage. The proper strategy is to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.

Additional resources

• Older Driver Statistics (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)