Save on 1992 Dodge RAM 350 Insurance Quotes

Searching for low-cost insurance for your Dodge RAM 350 can turn out to be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to shop for insurance so we’re going to tell you the absolute fastest way to compare rates for a Dodge and find the lowest price either online or from local insurance agents.

How to buy auto insurance online

Getting a more affordable price on 1992 Dodge RAM 350 insurance doesn’t have to be difficult. Consumers just need to spend a little time getting comparison quotes to find. This can be done by using one of the methods below.

If you are pressed for time, the simplest way to find low rates is a comparison rater form click here to open form in new window. This type of form keeps you from doing a different quote for every company. A single form will return price quotes direct from many companies. Recommended for those who want to invest the least amount of time.

A different way to analyze rates requires a visit to each individual company website and request a quote. For example, let’s say you want to compare prices for Nationwide, Progressive and Travelers. To do that, you would have to visit each site and type in your information over and over, which is why most consumers use the first method.

To view a list of companies in your area, click here.

The final method to comparison shop is to spend time driving to and from local insurance agencies. The ability to get quotes online makes this process obsolete unless you have a need for the extra assistance that only an agent can give. It is possible with some companies comparison shop online and still use a local agent.

Take whichever approach you prefer, but be sure you’re using nearly identical coverage data on every price quote you get. If you are comparing different deductibles you will not be able to determine which company has the best rates.

Auto Insurance Discounts

Companies don’t always publicize the complete list of policy discounts in an easy-to-find place, so we researched a few of the more common as well as some of the hidden credits available to bring down your rates. If you aren’t receiving every discount you deserve, you are not getting the best rate possible.

• Include Life Insurance and Save – Some insurance carriers give lower auto insurancerates if you buy a life insurance policy as well.
• Theft Deterent – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance coverage quote.
• Save over 55 – Older drivers can get a small decrease in premiums on RAM 350 coverage.
• Low Mileage – Fewer annual miles on your Dodge may enable drivers to earn lower auto insurancerates on the low mileage vehicles.
• Multi-car Discount – Drivers who insure primary and secondary vehicles on a single policy qualifies for this discount.
• Discount for Passive Restraints – Vehicles equipped with air bags can receive discounts of 25 to 30%.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. Even though it appears you could get a free auto insurance policy, you’re out of luck. But any discount will help lower your policy premium.

The best auto insurance companies and their possible discounts can be found below.

• State Farm discounts include Steer Clear safe driver discount, multiple autos, good student, passive restraint, and anti-theft.
• Progressive offers discounts for continuous coverage, multi-policy, online quote discount, online signing, good student, multi-vehicle, and homeowner.
• Travelers has savings for driver training, hybrid/electric vehicle, student away at school, home ownership, save driver, payment discounts, and early quote.
• American Family offers premium reductions for mySafetyValet, air bags, Steer into Savings, good student, bundled insurance, accident-free, and good driver.
• Liberty Mutual offers discounts including safety features, newly retired, hybrid vehicle, exclusive group savings, teen driver discount, and preferred payment discount.

When comparing rates, check with every company which discounts can lower your rates. All car insurance discounts may not apply in your area. To find companies with the best auto insurance discounts, click here.

Tailor your insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

For example, these questions can help discover if you might need professional guidance.

• Does coverage extend to Mexico or Canada?
• Why does it cost so much to insure a teen driver?
• Does my personal policy cover me when driving out-of-state?
• Do I need roadside assistance coverage?
• Should I bundle my homeowners policy with my auto?
• Which is better, split liability limits or combined limits?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Car insurance coverage specifics

Learning about specific coverages of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

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

Comprehensive can pay for claims like damage from a tornado or hurricane, damage from getting keyed, hitting a deer, hitting a bird and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your 1992 Dodge RAM 350.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like court costs, attorney fees, medical expenses, structural damage and loss of income. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for rehabilitation expenses, X-ray expenses and hospital visits. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay