1998 Dodge Ram Van Insurance Rates – 7 Tips to Save

Searching for the cheapest insurance coverage rates? Consumers have options when looking for the lowest priced Dodge Ram Van insurance. They can either waste time struggling with agents to compare prices or leverage the internet to get rate quotes. There is a better way to find insurance coverage online so you’re going to learn the best way to price shop coverage for a Dodge and get the best price possible from local insurance agents and online providers.

Seven discounts for cheaper insurance coverage rates

Insurance coverage is neither fun to buy or cheap, but you can get discounts that could drop your premiums quite a bit. Many discounts should be triggered when you purchase, but a few need to be manually applied before you get the savings.

• Student in College – College-age children who live away from home at college and do not have a car could get you a discount.
• Multiple Policy Discount – If you combine your auto and homeowners policies with the same company you could save over 10 percent off each policy depending on the company.
• Discount for Life Insurance – Companies who offer life insurance give a small discount if you purchase a life insurance policy as well.
• Good Students Pay Less – Maintaining excellent grades can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Homeowners Discount – Just owning your own home can help you save on insurance coverage because maintaining a house is proof of financial responsibility.
• Early Signing – Some larger companies reward drivers for buying a policy prior to your current policy expiration. The savings is around 10%.
• Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.

Don’t be shocked that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, nobody gets a free ride.

Insurance companies that have many of the previously listed discounts are:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

When quoting, ask every insurance company how many discounts you can get. Savings may not apply to policyholders everywhere. To see insurers who offer online insurance coverage quotes, click this link.

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You may need specialized car insurance coverage

When buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.

These are some specific questions can help discover if your situation might need an agent’s assistance.

• Why am I required to buy liability insurance?
• Is business equipment covered while in my vehicle?
• Am I getting all the discounts available?
• Am I covered by my spouse’s policy after a separation?
• What is PIP insurance?
• What is roadside assistance coverage?
• Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Advertising and insurance coverage

Consumers get pounded daily by advertisements that promise big savings for switching by State Farm, Geico and Progressive. All the ads make the same claim that drivers will save a bundle if you switch to them.

But how can every company charge you less for car insurance? It’s all in the wording.

Many companies have an ideal profile for the type of customer that will add to their bottom line. An example of a desirable risk may need to be between the ages of 30 and 50, has never had a claim, and drives a vehicle with a low ISO rating. Any new insured who fits those characteristics will get the preferred prices and will most likely save a lot if they switch.

People who are not a match for the requirements will probably be forced to pay higher prices which usually ends up with business going elsewhere. The trick companies use is to say “drivers that switch” not “everyone that quotes” can save as much as they claim. That’s why companies can truthfully make it sound like they have such great rates. Each company has different criteria, so drivers should do a quote comparison often. You cannot predict the company that will have the lowest rates.

Auto insurance 101

Understanding the coverages of insurance can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, hitting a bird and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for 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. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Coverage for collisions

Collision insurance covers damage to your Ram Van resulting from a collision 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 like backing into a parked car, hitting a parking meter and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as chiropractic care, pain medications and hospital visits. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

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Make a quick buck

Discount 1998 Dodge Ram Van insurance is definitely available online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies don’t offer the ability to get quotes online and these small insurance companies work with independent insurance agencies.

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There have been many cases where someone sacrificed liability limits or collision coverage only to regret that it was a big mistake. The ultimate goal is to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

People leave their current company for a number of reasons such as high rates after DUI convictions, denial of a claim, unfair underwriting practices or even policy cancellation. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Additional articles

• Shopping for a Safe Car (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Tools for Teen Driving Safety (State Farm)

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