1997 Dodge Ram Van Insurance Rates – 8 Policy Discounts

Trying to find better insurance prices for a Dodge Ram Van can be a painful process, but you can use a few tricks to save time. There is a better way to find auto insurance online and you need to know the quickest way to get price quotes for a new or used Dodge and obtain the cheapest rates from local insurance agents and online providers.

Consumers should take time to compare prices at least once a year since prices are rarely the same from one policy term to another. If you had the lowest rates for Ram van coverage a year ago you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to show you the right way to find lower rates on auto insurance.

Auto insurance policy discounts you can’t miss

Insuring your fleet can be pricey, but there could be significant discounts that could drop your premiums quite a bit. Many discounts should be triggered when you complete an application, but some need to be inquired about before you will receive the discount.

• Good Grades Discount – Excelling in school may save as much as 25% on a car insurance quote. Earning this discount can benefit you well after school through age 25.
• Employee of Federal Government – Federal government employees may reduce rates when you quote car insurance for Ram van coverage depending on your auto insurance provider.
• Buy New and Save – Insuring a vehicle that is new can save up to 30% compared to insuring an older model.
• Claim Free – Insureds with no claims or accidents can save substantially in comparison with drivers with a long claim history.
• Own a Home and Save – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
• Military Rewards – Being on active duty in the military could qualify you for better auto insurance rates.
• ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.
• Seat Belt Discounts – Drivers who require all occupants to buckle up can save a little on medical payment and PIP coverage.

A quick disclaimer, most discounts do not apply to the entire cost. A few only apply to specific coverage prices like comp or med pay. So when it seems like you could get a free auto insurance policy, you aren’t that lucky.

To view providers who offer discounts, click this link.

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How to compare insurance coverage rate quotes

Comparing insurance coverage rates can take hours if you don’t utilize the easiest way. You can waste a lot of time talking about coverages with local insurance agents in your area, or you could use the web to accomplish the same thing much quicker.

Most car insurance companies belong to a marketplace that allows shoppers to submit one quote, and at least one company returns a competitive quote based on that information. This eliminates the need for quote requests for each company you want a rate for.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to getting quotes like this is you are unable to specify the companies you will receive quotes from. If you would rather choose specific providers to compare prices, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but be sure you’re using nearly identical information with every price quote. If the quotes have different limits and deductibles on each one it will be very difficult to make an equal comparison.

Insurance agents can help

When it comes to choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

These are some specific questions might point out whether you would benefit from an agent’s advice.

• Am I covered if my car is in a flood?
• Where can I find high-risk insurance?
• Can I afford to buy a different vehicle if my 1997 Dodge Ram Van is totaled?
• What companies insure drivers after a DUI or DWI?
• Should I buy more coverage than the required minimum liability coverage?
• Are rental cars covered under my policy?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Auto insurance in the media

Consumers can’t avoid all the ads that promise big savings by Geico, State Farm and Progressive. They all seem to state the claim about saving some big amount if you just switch to their company.

That’s great but how can every company lower your car insurance rates?

Auto insurance companies quote the lowest rates for the type of insured that earns them the most money. For example, a desirable insured should be between 25 and 40, has never had a claim, and insures a new vehicle. A driver that meets those criteria receives the best premium rates and will cut their rates substantially.

Potential insureds who are not a match for the requirements will probably be forced to pay a higher rate and ends up with the customer buying from someone else. The ad wording is “drivers that switch” not “everyone who quotes” save that much. That’s the way companies can advertise the way they do. Because every company is different, you really should do a price quote comparison at every renewal. Because you cannot predict which insurance companies will have the best premium rates for your profile.

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Car insurance coverage basics

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, damage from a tornado or hurricane and falling objects. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses for EMT expenses, chiropractic care, ambulance fees and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto liability insurance – Liability coverage can cover damages or injuries you inflict on other’s property or people. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like structural damage, court costs, emergency aid, funeral expenses and pain and suffering. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Dodge Ram Van.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision – This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, damaging your car on a curb, scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Buy online or local, you save

When you buy car insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

People leave their current company for many reasons like unfair underwriting practices, delays in paying claims, being labeled a high risk driver and extreme rates for teen drivers. It doesn’t matter why you want to switch finding a great new company is easier than you think.

We just covered many ideas to shop for 1997 Dodge Ram Van insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheap car insurance. Drivers may discover the lowest prices come from an unexpected company.

More information can be found at these links:

• Winter Driving (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Shopping for a Safe Car (Insurance Information Insitute)

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