2002 Dodge Ram Cargo Insurance Quotes – 7 Tips for Cheaper Rates

Looking for the cheapest car insurance rates for your Dodge Ram Cargo? Are you irritated from not being able to afford to pay your car insurance bill each month? You have the same problem as the majority of other vehicle owners.

With vehicle owners having so many online and local companies to choose from, it’s nearly impossible to locate a more affordable insurance company.

You should take the time to compare rates occasionally because car insurance prices change quite often. Even if you think you had the best deal on Ram Cargo coverage a couple years back you can probably find a better premium rate now. You can find a lot of misleading information regarding car insurance online but by reading this article, you’re going to learn some proven techniques to quit paying high car insurance rates.

Find discounts to get cheap insurance rates

Car insurance is not cheap, but you can get discounts that you may not know about. Certain credits will be shown at the time of quoting, but a few must be asked for before being credited. If you do not check that you are getting every discount you deserve, you are paying more than you should be.

• Pay Now and Pay Less – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.
• Service Members Pay Less – Being on active deployment in the military could qualify you for better rates.
• Organization Discounts – Being in a professional or civic organization is a simple method to lower premiums when shopping for insurance.
• Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and that can save you a little bit as well.
• Distant Student – Kids who are attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Renewal Discounts – Some companies reward drivers for switching companies prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
• Save with a New Car – Buying a new car instead of a used car may earn a small discount because newer vehicles keep occupants safer.

Just know that some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

Popular insurance companies and some of the discounts are included below.

• Progressive has savings for multi-policy, continuous coverage, multi-vehicle, online quote discount, online signing, homeowner, and good student.
• SAFECO offers discounts for teen safe driver, safe driver, multi-car, drive less, anti-theft, and teen safety rewards.
• American Family offers premium reductions for bundled insurance, good driver, air bags, defensive driver, accident-free, and multi-vehicle.
• MetLife has discounts for claim-free, defensive driver, accident-free, multi-policy, good driver, good student
• Geico may include discounts for membership and employees, military active duty, daytime running lights, air bags, and emergency military deployment.
• The Hartford may offer discounts for anti-theft, good student, driver training, defensive driver, air bag, and vehicle fuel type.

If you need low cost insurance quotes, ask every prospective company the best way to save money. Depending on the company, some discounts may not apply in your state. If you would like to see a list of insurers who offer cheap insurance quotes, click here.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

• Am I covered when driving in Canada or Mexico?
• When do I need to add a new car to my policy?
• Is my 2002 Dodge Ram Cargo covered for flood damage?
• I have health insurance so do I need medical payments coverage?
• Why do I only qualify for high-risk insurance?
• How can I find cheaper teen driver insurance?
• Which is better, split liability limits or combined limits?
• Do I need rental car coverage?
• Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance 101

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages available from car insurance companies.

Liability auto insurance

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

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like repair bills for other people’s vehicles, emergency aid and loss of income. How much coverage you buy is up to you, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as prosthetic devices, chiropractic care and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage covers damage to your Ram Cargo resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, scraping a guard rail, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, fire damage, hitting a bird, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

More comparisons equals lower rates

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, an insured cut physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at a price you can afford, but do not skimp to save money.

You just learned some good ideas how you can get a better price on 2002 Dodge Ram Cargo insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Consumers could even find that the best car insurance rates are with the smaller companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like Progressive and Geico.

Additional resources

• Senior Drivers (Insurance Information Insitute)
• What Auto Insurance is Cheapest for a Dodge Ram in Mesa? (MesaInsure.com)
• Who Has Cheap Portland Auto Insurance Rates for a Dodge Ram? (PortlandInsure.com)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Choosing an Insurance Company (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)