Compare 1990 Dodge RAM 250 Insurance Quotes

Looking for cheaper car insurance rates for your Dodge RAM 250? If you’ve never shopped for auto insurance quotes online, you can easily be bewildered by the vast number of local and online companies that all say they have the best rates.

Finding affordable coverage is not that difficult. Essentially every vehicle owner who shops for auto insurance most likely will be able to lower their premiums. But car owners can benefit from knowing the way companies compete online because it can help you find the best coverage.

First Step: Get free auto insurance quotes

Comparing auto insurance rates can take hours if you don’t know the most efficient way. You can spend countless hours talking about coverages with local insurance agents in your area, or you can stay home and use the internet to get prices fast.

Most of the larger companies participate in a marketplace where prospective buyers send in one quote, and at least one company provides a quote based on the submitted data. This saves time by eliminating repetitive form submissions for every auto insurance company.

To find out how much you can save on auto insurance click here (opens in new window).

One minor caviat to using this type of system is you are unable to specify the companies you want to price. So if you prefer to pick individual companies to compare rates, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make sure you use identical deductibles and coverage limits for each quote you get. If you are comparing different values for each quote it will be impossible to determine the best price for your Dodge RAM 250. Quoting even small variations in limits may result in large price differences. It’s important to know that comparing more company’s prices provides better odds of finding a lower rate. Some insurance companies are not set up to provide price estimates online, so you should also compare prices from them, too.

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The ad said I’d save $475 a year!

Respected companies like State Farm and Allstate continually stream ads on television and other media. They all have a common claim that drivers will save a bundle if you move your insurance coverage to their company. How is it possible that every company can have lower policy pricing? It’s all in the numbers.

Insurance providers have an ideal profile for the type of driver that will most likely be profitable. For instance, this type of insured may need to be a married female, has no claims, and the vehicle is rated for pleasure use. Any customer who fits those characteristics gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who do not meet those standards will be charged a higher premium which results in business not being written. If you listen closely, the ads state “customers who switch” not “everyone that quotes” save that much money. This is how companies can advertise the way they do. This really drives home the point why you absolutely need to get auto insurance quotes from several different companies. It’s just too difficult to predict which company will have the lowest rates.

You can change your insurance prices

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that help determine car insurance rates. If you know what determines base rates, this enables informed choices that could result in big savings. Many things are considered when you quote your car insurance policy. Some are pretty understandable like your driving record, but other criteria are less obvious such as whether you are married and annual miles driven.

The itemized list below are a partial list of the pieces used by companies to determine prices.

• Certain employers raise car insurance rates – Occupational choices like military personnelpolice officers and emergency personnel have higher rates than average due to high stress and extremely grueling work hours. Conversely, careers like professors, athletes and retirees have lower than average premiums for RAM 250 coverage.
• Men are more aggressive – Statistics show that females tend to be a little less risky than males. The data does not necessarily mean that males are worse at driving than females. Males and females have at-fault accidents at about the same rate, but the male of the species get into accidents with more damage. They also get ticketed for serious violations like DWI (DUI) or reckless driving.
• How old are your drivers? – Young drivers are known to be less responsible when driving with friends so car insurance rates are higher. Mature drivers are shown to be more cautious, file fewer claims and receive fewer citations.
• What are your physical damage deductibles? – The deductibles you choose define the amount you are willing to pay if the claim is covered. Coverage for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some examples of covered claims are colliding with a stationary object, damage from fire, and damage caused by road hazards. The more you are required to pay out-of-pocket, the bigger discount you will receive for RAM 250 coverage.
• Cut rates and deter theft – Buying a car with an alarm system can help bring down rates. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms all help stop your vehicle from being stolen.

Get lower rates with discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts that can help lower your rates. Some discounts will apply at the time of quoting, but a few need to be asked about before they will apply.

• First Accident Forgiveness – Not a discount per se, but companies like Allstate and State Farm allow you one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
• Low Mileage Discounts – Driving less could be rewarded with lower premium rates due to less chance of an accident.
• New Car Discount – Putting car insurance coverage on a new car can get you a discount because newer models have to meet stringent safety requirements.
• No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts compared to insureds who have frequent claims or accidents.
• Senior Discount – Drivers that qualify as senior citizens may receive better car insurance rates for RAM 250 coverage.
• Good Driver Discount – Safe drivers could pay up to 40% less for RAM 250 coverage than drivers with accidents.
• Discount for Home Ownership – Owning your own home or condo can earn you a little savings since owning and maintaining a home requires a higher level of personal finance.
• College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and do not have a car may be able to be covered for less.

As a sidenote, many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will bring down your premiums.

To find insurance companies that offer discounts, click this link.

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What is the best auto insurance coverage?

When it comes to choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.

These are some specific questions might point out whether you could use an agent’s help.

• Am I covered when delivering products for my home-based business?
• Can my teen driver be rated on a liability-only vehicle?
• Why am I required to buy liability insurance?
• What is an SR-22 filing?
• What vehicles should carry emergency assistance coverage?
• Do I need medical payments coverage since I have good health insurance?
• When would I need additional glass coverage?
• Am I covered when driving on a suspended license?
• Will filing a claim cost me more?
• Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage considerations

Learning about specific coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like nursing services, chiropractic care, surgery, prosthetic devices and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision protection

Collision coverage will pay to fix damage to your RAM 250 caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, hail damage, hitting a deer and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

This protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like funeral expenses, pain and suffering, medical expenses, repair costs for stationary objects and structural damage. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Dodge RAM 250.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Save for a rainy day

Insureds leave their current company for any number of reasons including an unsatisfactory settlement offer, not issuing a premium refund, policy non-renewal or denial of a claim. It doesn’t matter why you want to switch switching insurance companies can be less work than you think.

We just covered some good ideas how to get a better price on 1990 Dodge RAM 250 insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest prices come from some of the lesser-known companies.

Low-cost 1990 Dodge RAM 250 insurance can be bought from both online companies as well as from independent agents, so you need to shop auto insurance with both to get a complete price analysis. Some insurance companies do not offer the ability to get quotes online and these regional insurance providers only sell through local independent agents.

More detailed insurance information is available by following these links:

• How to Avoid Common Accidents (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)

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