1991 Dodge RAM 150 Car Insurance Rates – 9 Policy Discounts

If you are a novice to online car insurance shopping, you may be overwhelmed by the confusing number of insurance providers competing for business.

Consumers need to quote other rates once or twice a year since prices are constantly changing. Even if you think you had the best price for RAM 150 insurance at your last renewal you will most likely find a better rate today. There is too much inaccurate information about car insurance on the internet, but we’re going to give you a bunch of ideas how to lower your car insurance rates.

Free insurance price quotes

Effectively comparing insurance prices is a ton of work if you don’t understand the most efficient way. You can spend your afternoon driving to insurance agencies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Many companies belong to an insurance system where insurance shoppers send in one quote, and at least one company returns a rated price determined by their information. This system prevents you from having to do quote forms to each company. To use this form to compare rates click here to start a free quote.

The only downside to doing it this way is buyers cannot specifically choose which companies you will receive quotes from. So if you want to choose specific providers to receive pricing from, we have a page of low cost insurance companies in your area. Click to view list.

It’s up to you which method you use, but compare identical coverage limits and deductibles for each comparison quote. If you have different values for each quote you will not be able to determine which company has the best rates. Slightly different coverage limits can mean a large discrepancy in price. And when quoting insurance, remember that having more price comparisons helps you find a lower rate than you’re paying now.

Pay discount rates these nine premium-slashing discounts

Car insurance can cost a lot, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but some must be asked about before you get the savings. If you do not double check each discount available, you are not getting the best rate possible.

  • Homeowners Discount – Owning a house may trigger a policy discount on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • More Vehicles More Savings – Having more than one vehicle on the same auto insurance policy can reduce the rates for all insured vehicles.
  • Discounts for Responsible Drivers – Drivers without accidents could pay up to 40% less for RAM 150 insurance than their less cautious counterparts.
  • Onboard Data Collection – Drivers that enable their auto insurance company to look at where and when they drive by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the PIP or medical payment premium.
  • Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
  • No Accidents – Insureds with no claims or accidents can earn big discounts as compared to accident-prone drivers.
  • Discount for Multiple Policies – If you insure your home and vehicles and insure them both with the same insurance company you may save approximately 10% to 15%.

As a sidenote, most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

To see insurers that offer the discounts shown above, click here.

Do I need special coverages?

When buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Do I need an umbrella policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need replacement cost coverage on my 1991 Dodge RAM 150?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverage information

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Dodge RAM 150.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

Comprehensive or Other Than Collision – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, hitting a deer, fire damage, theft and damage from flooding. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages – This will cover injuries or damage you cause to other people or property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like medical expenses, attorney fees, structural damage, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision – Collision coverage will pay to fix damage to your RAM 150 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, sideswiping another vehicle, crashing into a building, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for things like dental work, surgery, chiropractic care and EMT expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

More comparisons equals lower rates

Insureds change insurance companies for a number of reasons such as policy non-renewal, high rates after DUI convictions, questionable increases in premium and even unfair underwriting practices. No matter why you want to switch, finding a new company can be pretty painless.

Affordable 1991 Dodge RAM 150 insurance is possible on the web and with local insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not offer internet price quotes and most of the time these regional carriers provide coverage only through independent insurance agents.

You just learned many ideas to reduce 1991 Dodge RAM 150 insurance premium rates online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the biggest savings come from the smaller companies.

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