How Much Does 1998 Dodge Ram Wagon Insurance Cost?

Looking for better car insurance rates for your Dodge Ram Wagon? Paying for pricey Dodge Ram Wagon insurance can sap your monthly budget and make it hard to pay other bills. Comparing rate quotes is a fast and free way to make sure you’re not throwing money away.

Due to the abundance of online and local companies to choose from, it’s difficult to find the most cost effective car insurance provider.

Smart consumers take time to compare prices periodically because car insurance rates are adjusted regularly by insurance companies. Just because you had the lowest premium rates for Ram Wagon coverage six months ago the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because you’re going to get a crash course in one of the easiest ways to find better rates and still maintain coverage.

Slash your car insurance rates with discounts

Auto insurance companies don’t always list every disount available in an easy-to-find place, so the following list contains both the well known and the more hidden credits available to you.

• Anti-theft Discount – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Low Mileage Discounts – Maintaining low annual mileage could be rewarded with discounted premium rates on garaged vehicles.
• Employee of Federal Government – Federal government employees could provide a small rate reduction for Ram Wagon coverage with a few car insurance companies.
• Accident Free – Insureds who avoid accidents and claims can save substantially in comparison with drivers with a long claim history.
• Homeowners Savings – Simply owning a home can help you save on car insurance due to the fact that maintaining a home requires a higher level of personal finance.

Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you’re out of luck.

Popular car insurance companies and some of the premium reductions they offer can be found below.

• Geico may offer discounts for air bags, multi-vehicle, anti-theft, federal employee, and multi-policy.
• MetLife includes discounts for accident-free, claim-free, defensive driver, multi-policy, and good student.
• Progressive may include discounts for continuous coverage, online quote discount, multi-policy, online signing, good student, and multi-vehicle.
• Travelers policyholders can earn discounts including save driver, payment discounts, hybrid/electric vehicle, new car, and driver training.
• SAFECO has savings for drive less, anti-lock brakes, multi-car, safe driver, bundle discounts, anti-theft, and homeowner.
• AAA offers discounts for good student, good driver, anti-theft, multi-policy, education and occupation, multi-car, and AAA membership discount.

If you need affordable insurance quotes, ask each company which discounts you qualify for. A few discounts may not be offered in your area. If you would like to view insurers who offer free car insurance quotes, click this link.

The easiest way to compare insurance rates from multiple companies is to know the trick most of the bigger providers participate in online systems to compare their rates. All you need to do is take a few minutes to give details like if you are currently licensed, which vehicles you own, how many miles driven, and if a SR-22 is needed. That rating information is then sent to multiple companies and you will receive price estimates quickly.

To compare rates now, click here and find out if lower rates are available.

You are unique and your insurance should be too

When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help you determine whether you might need an agent’s assistance.

• Why am I required to get a high-risk car insurance policy?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered when driving someone else’s vehicle?
• When would I need additional glass coverage?
• Can I make deliveries for my home business?
• Why do I need rental car insurance?
• Do I have coverage when pulling a U-Haul trailer?
• Does my 1998 Dodge Ram Wagon need full coverage?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Specific coverages for a 1998 Dodge Ram Wagon

Knowing the specifics of insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses for things like nursing services, prosthetic devices, surgery, rehabilitation expenses and doctor visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Wagon.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, theft, rock chips in glass, damage from a tornado or hurricane and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

This protects you from damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like structural damage, loss of income, medical expenses, medical services and court costs. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

A penny saved is a penny earned

When searching for low cost insurance quotes, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut liability coverage limits only to regret they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

We just covered many ideas to lower your 1998 Dodge Ram Wagon insurance premium rates. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

Additional car insurance information is located at these links:

• Medical Payments Coverage (Liberty Mutual)
• Teen Driving and Texting (State Farm)
• Tread Depth and Tire Safety (State Farm)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)