View 1991 Dodge RAM 350 Car Insurance Quotes

Trying to come up with a payment for expensive insurance coverage can overdraw your personal savings and possibly require postponing other expenditures. Getting a rate comparison is a fast and free way to make sure you’re not throwing money away.

Due to the increasing number of options when it comes to insurance coverage, it is hard for the average consumer to pick a more affordable insurance coverage provider.

Buying car insurance is not rocket science. If you have car insurance now, you will be able to lower your premiums substantially using this strategy. But consumers do need to understand how companies sell online because it can help you find the best coverage.

Five tips to get lower-cost insurance rates

An important part of buying insurance is that you know some of the factors that aid in calculating your premiums. If you have some idea of what influences your rates, this allows you to make good choices that may reward you with big savings. Lots of things are taken into consideration when you get your auto insurance bill. Some are obvious such as your driving record, but others are less apparent such as whether you are married or your financial responsibility.

The factors shown below are some of the most rate-impacting factors used by your company to calculate your prices.

• High comp and collision deductibles lower premiums – The deductibles you choose define how much you are willing to pay if you file a covered claim. Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are a windshield broken by a bird, hail damage, or theft of your vehicle. The more the insured has to pay upfront, the lower your rates will be on RAM 350 coverage.
• Small claims can cost you – Insurance companies award the best rates to drivers who are not frequent claim filers. If you frequently file small claims, you can pretty much guarantee higher rates. Insurance coverage is meant to be used in the event of more catestrophic claims.
• Marriage can save on insurance coverage – Your spouse may earn you lower rates on insurance coverage. It is viewed as being less irresponsible and insurance companies like that married couples file fewer claims.
• Pay less with a high crash test rating – Cars with high safety ratings cost less to insure. These vehicles reduce injuries and fewer injuries means less claims paid which can result in lower premiums. If the Dodge RAM 350 earned at least four stars on Safercar.gov you may pay a lower rate.
• Always keep your policy in place – Not having insurance can get you a ticket and any future policy may cost more because you let your coverage cancel without a new policy in place. In addition to paying higher rates, the inability to provide proof of insurance can result in a steep fine or even jail time. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

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Get lower rates with discounts

Car insurance can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Certain credits will be shown when you get a quote, but a few must be requested specifically before they will apply.

• Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote car insurance on RAM 350 coverage with a few auto insurance companies.
• Discount for Multiple Policies – If you can combine your auto and homeowners policy with one company you may earn up to 20% off your total premium.
• 55 and Retired – Seniors can get a slight reduction on a car insurance quote on RAM 350 coverage.
• Sign Early and Save – Some auto insurance companies reward drivers for renewing your policy prior to your current policy expiring. Ten percent is about the average savings.
• More Vehicles More Savings – Buying insurance for more than one vehicle with the same auto insurance company may reduce the rate for each vehicle.
• Safety Course Discount – Participating in a course in defensive driver could cut 5% off your bill depending on where you live.
• Passive Restraint Discount – Cars that have air bags or motorized seat belts can get savings of more than 20%.
• Accident Forgiveness – Not really a discount, but certain companies will forgive one accident before raising your premiums so long as you are claim-free before the accident.
• College Student – Kids who live away from home to go to college and don’t have a car can be insured at a reduced rate.

You can save money using discounts, but some credits don’t apply the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Just because you may think it’s possible to get free car insurance, you aren’t that lucky.

Popular auto insurance companies and their offered discounts can be read below.

• American Family may have discounts that include multi-vehicle, bundled insurance, TimeAway discount, mySafetyValet, early bird, Steer into Savings, and accident-free.
• Farm Bureau may offer discounts for safe driver, youthful driver, driver training, renewal discount, good student, and 55 and retired.
• State Farm includes discounts for Steer Clear safe driver discount, accident-free, student away at school, multiple autos, passive restraint, defensive driving training, and driver’s education.
• Travelers has discounts for new car, home ownership, payment discounts, good student, hybrid/electric vehicle, continuous insurance, and multi-car.
• The Hartford offers discounts including good student, vehicle fuel type, air bag, driver training, and anti-theft.
• Geico policyholders can earn discounts including five-year accident-free, defensive driver, multi-policy, driver training, and daytime running lights.
• Progressive discounts include online signing, multi-policy, homeowner, multi-vehicle, and good student.

If you want low cost car insurance quotes, ask every insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see a list of insurance companies who offer online auto insurance quotes, click here.

What is the best insurance coverage coverage?

When buying coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might point out whether you might need an agent’s assistance.

• Is a fancy paint job covered?
• Is pleasure use cheaper than using my 1991 Dodge RAM 350 to commute?
• Do I need PIP (personal injury protection) coverage in my state?
• Is my vehicle covered by my employer’s policy when using it for work?
• How can I force my company to pay a claim?
• What are the best liability limits?
• What is medical payments coverage?
• Is my camper covered by my car insurance policy?
• What is covered by UM/UIM coverage?
• Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Coverage specifics

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages offered by auto insurance companies.

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

Collision can pay for things like sideswiping another vehicle, backing into a parked car, hitting a mailbox, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for expenses for things like funeral costs, X-ray expenses, EMT expenses, prosthetic devices and surgery. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability – Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of 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 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical expenses, pain and suffering and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your 1991 Dodge RAM 350.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, theft, fire damage and falling objects. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

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What is YOUR best insurance company?

When you buy car insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

We’ve covered a lot of ways to get a better price on 1991 Dodge RAM 350 insurance. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting low cost car insurance. Consumers could even find that the lowest priced auto insurance comes from a smaller regional carrier. Some small companies often have lower car insurance rates on specific markets than the large multi-state companies such as Allstate and Progressive.

Additional resources

• Distracted Driving Statistics (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Information for Teen Drivers (Geico)
• Side Impact Crash Tests (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)

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