1993 Dodge Ram Van Insurance Rates

Are you tired of not being able to scrape enough together each month for insurance? Your situation is no different than the majority of other consumers. Big-name insurance companies like Geico, 21st Century and Progressive constantly blast consumers with ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.

You should take the time to compare rates every six months because insurance rates are usually higher with each renewal. If you had the lowest premium rates on Ram van coverage a few years ago you will most likely find a better price today. Ignore everything you know about insurance because we’re going to show you the easiest way to find better rates and still maintain coverage.

How to lower your insurance coverage cost

There are multiple methods you can shop for insurance coverage but there is one way that is less time-consuming than others. You can waste a lot of time talking about coverages with agents in your area, or you can utilize online quotes to get pricing more quickly.

Many companies take part in a program where prospective buyers enter their policy data once, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests to each individual insurance coverage company. To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to getting quotes like this is you can’t choose which insurance companies you want to price. If you wish to select from a list of companies for rate comparison, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

The method you choose is up to you, but try to use the same coverage data on every price quote you get. If you enter different coverage information you will not be able to determine the lowest rate for your Dodge Ram Van.

Save with with these discounts

Insurance can be prohibitively expensive, but there could be available discounts that can help lower your rates. Many discounts should be triggered at the time you complete a quote, but once in a while a discount must be specially asked for before you get the savings. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.

• 55 and Retired – If you’re over the age of 55, you could receive a slight reduction on a car insurance quote on Ram van coverage.
• Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it will make them better drivers and lower rates.
• Telematics Devices – Drivers that enable their insurance company to look at when and where they use their vehicle by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
• Good Student Discount – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
• Sign Online – A handful of insurance companies will provide an incentive for buying your policy on the web.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as comprehensive or collision. Even though the math looks like you could get a free insurance policy, you aren’t that lucky.

Popular insurance companies and some of the discounts are shown below.

• Progressive offers discounts including homeowner, multi-policy, multi-vehicle, online signing, continuous coverage, good student, and online quote discount.
• AAA policyholders can earn discounts including multi-car, anti-theft, AAA membership discount, pay-in-full, education and occupation, good student, and good driver.
• Farmers Insurance includes discounts for bundle discounts, multi-car, electronic funds transfer, distant student, good student, and alternative fuel.
• Geico offers premium reductions for seat belt use, multi-policy, anti-theft, air bags, and emergency military deployment.
• Esurance has discounts for claim free, paid-in-full, homeowner, DriveSense, online shopper, and anti-theft.
• SAFECO offers discounts for accident prevention training, teen safe driver, safe driver, drive less, bundle discounts, and teen safety rewards.
• State Farm may offer discounts for passive restraint, Drive Safe & Save, defensive driving training, multiple autos, student away at school, and accident-free.

Before you buy a policy, ask all the companies the best way to save money. Some of the discounts discussed earlier may not apply in your area. To choose insurance companies with discount insurance rates, click here to view.

Your situation helps dictate your coverage

When buying the best car insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

• What are the financial responsibility laws in my state?
• Am I covered if my car is in a flood?
• What discounts do I qualify for?
• What companies insure drivers after a DUI or DWI?
• Does my liability insurance cover pulling a trailer or camper?
• Is extra glass coverage worth it?
• I have good health insurance, so how much medical payments coverage do I need?
• Where can I find high-risk insurance?
• Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage basics

Having a good grasp of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on most car insurance policies.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Van.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage – This coverage covers damage to your Ram Van resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, crashing into a ditch, colliding with a tree, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, hail damage, damage from flooding and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability coverage will cover damage that occurs to other’s property or people in an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims such as emergency aid, medical expenses, structural damage and medical services. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like funeral costs, nursing services, prosthetic devices, pain medications and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay