Save on 1991 Dodge Ram Wagon Insurance Rates

Searching for cheaper insurance rates for your Dodge Ram Wagon? Online price comparisons for low cost car insurance can be complicated if you are like the majority of consumers and have never used price quotes online. Don’t worry though because comparing rates is actually very simple.

It’s smart to price shop coverage before your policy renews because prices are adjusted regularly by insurance companies. If you had the best price on Ram Wagon coverage on your last policy you will most likely find a better rate quote today. There is a lot of bad advice regarding insurance online, but by reading this article, you’re going to learn some of the best ways to reduce your insurance bill.

Take advantage of with these discounts

Companies that sell car insurance don’t always list the complete list of policy discounts very clearly, so we break down both the well known and the harder-to-find credits that you can use to lower your rates.

• Theft Prevention Discount – Cars and trucks with anti-theft systems are stolen with less frequency so companies will give you a small discount.
• Accident Free – Drivers who stay claim-free pay less in comparison with policyholders that have many claims.
• Seat Belt Discounts – Drivers who require all occupants to fasten their seat belts could save 15% off the medical payments premium.
• Low Mileage – Maintaining low annual mileage could be rewarded with better auto insurancerates on cars that stay parked.
• Senior Citizen Rates – Drivers over the age of 55 can possibly qualify for a small discount on rates on Ram Wagon coverage.
• Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a discounted rate on car insurance if you buy some life insurance too.
• Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% on Ram Wagon coverage but check with your company.
• New Car Discount – Buying a new car model is cheaper since newer models have better safety ratings.
• Service Members Pay Less – Having a deployed family member could qualify you for better rates.
• Data Collection Discounts – Policyholders that allow driving data submission to look at their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they are good drivers.

Keep in mind that many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, you aren’t that lucky.

Popular auto insurance companies and a partial list of their discounts include:

• Geico may include discounts for air bags, membership and employees, multi-policy, emergency military deployment, daytime running lights, and military active duty.
• Auto-Owners Insurance may offer discounts for mature driver, teen driver, anti-lock brakes, paperless, and group or association.
• American Family offers discounts including air bags, Steer into Savings, defensive driver, bundled insurance, and TimeAway discount.
• Esurance includes discounts for paid-in-full, DriveSense, claim free, Switch & Save, emergency road assistance, defensive driver, and multi-policy.
• Progressive may have discounts that include online quote discount, multi-policy, good student, online signing, continuous coverage, homeowner, and multi-vehicle.
• State Farm discounts include good student, Drive Safe & Save, multiple autos, multiple policy, driver’s education, safe vehicle, and passive restraint.
• AAA has discounts for multi-car, education and occupation, good driver, anti-theft, good student, and pay-in-full.

When getting free car insurance quotes, it’s a good idea to every insurance company which discounts they offer. Some credits might not be offered in your state. To locate companies that can offer you the previously mentioned discounts, follow this link.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions may help highlight whether your personal situation could use an agent’s help.

• What is the rate difference between pleasure use and commuting?
• Will my rates increase for filing one claim?
• When do I need to add a new car to my policy?
• Where can I find DUI or SR-22 insurance?
• Do I get a pro-rated refund if I cancel my policy early?
• What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.

Insurance policy specifics

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Auto liability

This coverage can cover damage that occurs to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

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 commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical services and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like hospital visits, doctor visits and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, theft and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Buy Smart and Save

When trying to cut insurance costs, never reduce coverage to reduce premium. There are many occasions where someone dropped liability limits or collision coverage only to regret that it was a big mistake. Your objective should be to purchase plenty of coverage at the lowest possible cost.

Budget-conscious 1991 Dodge Ram Wagon insurance is available from both online companies and from local agencies, and you should compare price quotes from both to have the best selection. Some insurance companies do not offer price quotes online and most of the time these small, regional companies sell through independent insurance agencies.

People switch companies for a variety of reasons including extreme rates for teen drivers, denial of a claim, high prices and delays in responding to claim requests. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

For more information, take a look at these articles:

• Auto Insurance FAQ (Farmers Insurance)
• Anti-Lock Brake FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Should I Buy a New or Used Car? (Allstate)