Lower Your 1993 Dodge Ramcharger Insurance Rates

I can’t think of a single person who likes having to buy insurance, especially when they know they are paying too much. Due to the increasing number of insurance companies to choose from, it is very difficult to locate the lowest cost insurance company.

Finding the best rates is easy if you know what you’re doing. If you have insurance now or need a new policy, you can follow these tips to cut your premiums while maximizing coverage. Consumers only need an understanding of how to shop online.

The most recommended method to get policy rate comparisons is to know almost all companies have advanced systems to give rate comparisons. The only thing you need to do is provide the companies a bit of rating information such as the make and model of your vehicles, how much education you have, your occupation, and distance driven. Your insurance information gets sent immediately to multiple companies and they return quotes instantly to find the best rate.

Insurance coverage companies offer many types of discounts

Auto insurance companies do not advertise all available discounts in an easy-to-find place, so we break down some of the best known and the harder-to-find credits available to lower your premiums when you buy insurance online.

• Multi-Vehicle Discounts – Having more than one vehicle with one company can reduce the rates for all insured vehicles.
• Theft Deterent Discount – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance quote.
• Senior Discount – Drivers that qualify as senior citizens may be able to get a slight reduction on a insurance quote on Ramcharger insurance.
• Discount for Life Insurance – Insurance coverage companies who offer life insurance give a discounted rate on car insurance if you buy life insurance from them.
• Student Discounts – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
• Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
• Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and leave their car at home can receive lower rates.
• No Charge for an Accident – This isn’t a discount exactly, but some insurance companies permit an accident without raising rates if you are claim-free for a particular time prior to the accident.

One last thing about discounts, some credits don’t apply the the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

If you would like to view insurance coverage companies that offer some of these discounts, click this link.

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Five factors that affect insurance prices

Smart consumers have a good feel for some of the factors that help calculate the price you pay for auto insurance. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that can help you get lower auto insurance prices. Lots of things are used when you get a price on insurance. Some factors are common sense like a motor vehicle report, but some are less obvious such as whether you are married or your commute time.

• Continuous auto insurance coverage saves money – Allowing your coverage to lapse will be a sure-fire way to pay more for auto insurance. Not only will you pay more, the inability to provide proof of insurance might get you fines or a revoked license.
• Extra coverages you don’t need – There are a lot of extra bells and whistles that sound like a good idea at the time when buying auto insurance. Coverages like rental car reimbursement, towing, and extra equipment coverage are probably not needed. These may sound like a good investment when buying your policy, but your needs may have changed so think about removing them and cutting costs.
• Accidents hurt – Your driving citation history has a huge affect on how much you pay. Even a single speeding ticket can increase rates forty percent or more. Attentive drivers receive lower rates than people who have multiple driving citations. Drivers unfortunate enough to have license-revoking violations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to legally drive a vehicle.
• Discounts for alarms and GPS tracking – Choosing to buy a car with advanced anti-theft systems can save you some money. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft and help bring rates down.
• Cheaper to insure women? – Statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Men and women cause fender benders in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also get higher numbers of serious violations like DUI and reckless driving. Young males have the highest risk to insure and are penalized with high auto insurance rates.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

• Is borrowed equipment or tools covered if stolen or damaged?
• What happens if I owe more than my 1993 Dodge Ramcharger is worth?
• Does insurance cover tools stolen from my truck?
• If I drive on a suspended license am I covered?
• Is my 1993 Dodge Ramcharger covered for smoke damage?
• What is no-fault insurance?
• Is my custom paint covered by insurance?
• Where can I find high-risk insurance?
• How can I get high-risk coverage after a DUI?
• Why is insurance for a teen driver so high?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance advertising tricks

Drivers can’t escape the ads that promise big savings from the likes of Progressive, Allstate and Geico. All the ads make an identical promise of big savings after switching your auto insurance coverage to their company.

Is it even possible that every company can save you money? It’s all in how they say it.

All companies provide the lowest rates for the type of customer that earns them the most money. For instance, a profitable risk profile might be a female over age 40, owns a home, and has a high credit rating. Any customer who meets those qualifications receives the best prices and will probably save when they switch companies.

Insureds who don’t qualify for the requirements will get more expensive rates which usually ends up with business not being written. If you listen to the ad wording, they say “people that switch” not “everyone who quotes” save that much when switching. That’s why companies can truthfully lure you into getting a quote. Because each company has a different risk profile, you really should do a price quote comparison at every renewal. It is impossible to guess which auto insurance company will have the best rates at this point in time.

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Car insurance coverage considerations

Understanding the coverages of car insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for chiropractic care, nursing services, surgery and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability coverage will cover damage or injury you incur to other’s property or people. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical expenses, medical services and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1993 Dodge Ramcharger.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, vandalism, damage from getting keyed and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – Collision insurance pays for damage to your Ramcharger from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

More quotes. Lower rates.

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. In many cases, someone dropped liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage for the lowest price, not the least amount of coverage.

We just covered many ideas to reduce 1993 Dodge Ramcharger insurance premium rates online. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. Consumers may even find the most savings is with a small mutual company. These smaller insurers can often provide lower prices in certain areas than the large multi-state companies such as Allstate, Geico and Progressive.

Additional resources

• Side Impact Crash Tests (iihs.org)
• Who Has the Cheapest Auto Insurance Rates for a Dodge Ram in Corpus Christi? (CorpusChristiCoverage.com)
• Distracted Driving Statistics (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Comprehensive Coverage (Liberty Mutual)
• Keeping Children Safe in Crashes Video (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)

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