1993 Dodge RAM 350 Car Insurance Rates – 10 Tricks for Best Quotes

Shoppers have many options when shopping for low-cost Dodge RAM 350 insurance. You can either waste hours contacting agents to get rate comparisons or utilize the internet to find the lowest rates.

There is a better way to compare insurance rates and we’ll show you the quickest way to quote coverages for your Dodge and obtain the cheapest rates from local insurance agents and online providers.

It’s smart to compare premium rates periodically because prices are usually higher with each renewal. Even if you got the best rate on RAM 350 insurance at your last renewal you will most likely find a better premium rate today. Block out anything you think you know about insurance because you’re going to get a crash course in the fastest way to find better rates and still maintain coverage.

If you are insured now or are just looking to switch companies, you can use this information to shop for the lowest rates while maximizing coverage. This information will tell you the best way to quote coverages and some money-saving tips. Drivers only need to know the tricks to shop for auto insurance on the web.

How to get auto insurance rate quotes

There are a variety of methods to shop for auto insurance, but some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to local insurance agents in your area, or you could use the internet to maximize your effort.

Most car insurance companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and every company then returns a price quote based on that data. This eliminates the need for quote forms for each company.

To access this free quoting program, click here to start a free quote.

One minor caviat to using this type of system is buyers cannot specifically choose which providers to get quotes from. So if you prefer to pick individual companies to request quotes from, we have a page of companies who write auto insurance in your area. Click to view list.

Which method you use is up to you, but try to keep identical information with each company. If you compare different values for each quote it will be impossible to determine which rate is truly the best.

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More affordable rates with these ten discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that may help make it more affordable. Some discounts will apply at the time you complete a quote, but once in a while a discount must be asked about before you will receive the discount.

• Discount for Home Ownership – Just being a homeowner can get you a discount since owning and maintaining a home shows financial diligence.
• Federal Employees – Having worked for a branch of the government may reduce rates when you quote auto insurance on RAM 350 insurance but check with your company.
• Discount for Swiching Early – Some car insurance companies give discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
• First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies permit an accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
• Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save a little off the personal injury premium cost.
• Onboard Data Collection – People who choose to allow driving data submission to look at their driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.
• Good Student – This discount can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
• Defensive Driver – Taking time to complete a course in safe driver could possibly earn you a 5% discount and make you a better driver.
• Clubs and Organizations – Participating in specific professional or occupational memberships or organizations could earn you a nice discount when shopping for car insurance.
• Low Mileage Discounts – Low mileage vehicles may enable drivers to earn cheaper rates.

One thing to note about discounts is that most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A list of car insurance companies and the discounts they provide are shown below.

• Progressive includes discounts for homeowner, multi-vehicle, continuous coverage, multi-policy, and online quote discount.
• AAA discounts include anti-theft, multi-car, education and occupation, good student, good driver, multi-policy, and pay-in-full.
• Farmers Insurance policyholders can earn discounts including mature driver, alternative fuel, distant student, early shopping, electronic funds transfer, and homeowner.
• Geico offers discounts including air bags, federal employee, anti-lock brakes, defensive driver, membership and employees, and anti-theft.
• Esurance has savings for multi-policy, defensive driver, Switch & Save, paid-in-full, multi-car, and good student.
• SAFECO offers discounts for homeowner, teen safety rewards, drive less, bundle discounts, and anti-lock brakes.
• State Farm may include discounts for good driver, Steer Clear safe driver discount, good student, accident-free, and student away at school.

When getting a coverage quote, ask each company or agent how you can save money. Some credits might not be offered on policies in every state.

Insurance can be complex

When it comes to buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if your insurance needs might need professional guidance.

• What is PIP insurance?
• Who is covered by my policy?
• Are all vehicle passengers covered by medical payments coverage?
• Can I still get insurance after a DUI?
• Do I need an umbrella policy?
• When should I remove comp and collision on my 1993 Dodge RAM 350?
• Does my insurance cover my expensive audio equipment?
• Do I need to file an SR-22 for a DUI in my state?
• Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Insurance coverage options for a 1993 Dodge RAM 350

Having a good grasp of a insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like hospital visits, ambulance fees and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as 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 Coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of 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. Normally these coverages are similar to your liability insurance amounts.

Liability

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

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as bail bonds, repair costs for stationary objects, pain and suffering, legal defense fees and attorney fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Auto collision coverage

Collision insurance will pay to fix damage to your RAM 350 resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, rolling your car, backing into a parked car, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, rock chips in glass, damage from flooding and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

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Pennies from heaven

More affordable insurance coverage is definitely available from both online companies and with local insurance agents, so get free auto insurance quotes from both of them to get a complete price analysis. There are still a few companies who may not have online quoting and most of the time these regional insurance providers only sell through independent insurance agents.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. In too many instances, drivers have reduced uninsured motorist or liability limits and learned later they didn’t have enough coverage. Your focus should be to buy enough coverage at the lowest possible cost while still protecting your assets.

People who switch companies do it for many reasons like policy cancellation, questionable increases in premium, high prices and extreme rates for teen drivers. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

Helpful learning opportunities

• Parking Tips to Reduce Door Dings (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)

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