Lower Your 1991 Dodge RAM 350 Insurance Quotes

High-priced insurance can overdraw your monthly budget and require stricter spending habits. Getting a rate comparison is free and is an excellent way to tighten up your finances.

Many auto insurance companies compete for your business, and because of this it can be hard to compare insurance companies to find the absolute lowest rate

Car insurance quotes comparison

There are multiple methods to compare car insurance prices but some are easier and takes less work. You can spend countless hours talking about coverages with insurance companies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Many popular insurance companies participate in a marketplace that allows shoppers to send in one quote, and at least one company can provide price quotes based on that data. This eliminates the need for quote forms to every company.

To compare rates using this form now click to open in new window.

The only downside to getting quotes like this is you don’t know exactly which carriers to receive prices from. If you prefer to choose from a list of companies for rate comparison, we have a listing of low cost car insurance companies in your area. Click to view list.

Whichever way you use, be certain you are entering nearly identical coverage data for each comparison quote. If you have different liability limits you will not be able to truly determine the lowest rate. Just slight variations in coverage limits could mean much higher rates. Just keep in mind that making a lot of price comparisons helps you find a lower rate than you’re paying now.

Lower the price of insurance coverage with these tips

A large part of saving on insurance coverage is knowing the factors that play a part in calculating the level of your policy premiums. If you know what determines premiums, this allows you to make educated decisions that could result in much lower annual insurance costs.

The items below are a partial list of the pieces utilized by car insurance companies to help set your prices.

  • Incidental coverages are wasting money – Insurance policies have a lot of extra coverages that may not really be needed but may not be useful. Things like personal injury protection, accident forgiveness, and membership fees could be just wasting money. The coverages may be enticing when you first buy your policy, but now you might not need them so remove them and pocket the money.
  • Protect yourself with liability coverage – Your policy’s liability coverage will afford coverage when a court rules you are at fault for damages from an accident. Liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Don’t cancel your coverage without a new one in place – Going without insurance is a fast way to trigger a rate increase. Not only will you pay higher rates, failure to provide proof of insurance could result in a revoked license or a big fine. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Age of drivers impacts premiums – Older people are more cautious drivers, tend to cause fewer accidents and get fewer tickets.Inexperience drivers have a tendency to be more careless behind the wheel and because of this, their insurance coverage rates are much higher.
  • GPS tracking and theft deterrents systems cut premiums – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.
  • Low coverage deductibles can be expensive – The deductibles define the amount you are willing to pay before your insurance coverage pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are colliding with a stationary object, animal collisions, and having a roll-over accident. The higher the amount the insured has to pay upfront, the lower your rates will be on RAM 350 coverage.

Lower rate quotes with these discounts

Properly insuring your vehicles can get expensive, but there may be some discounts that could drop your premiums quite a bit. Certain credits will be shown when you quote, but some may not be applied and must be requested specifically before you get the savings. If they aren’t giving you every credit you qualify for, you are not getting the best rate possible.

  • Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Paperless Signup – Some insurance companies will give a small break for buying your policy over the internet.
  • Own a Home and Save – Just owning your own home can save you money because maintaining a house is proof of financial responsibility.
  • Memberships – Joining specific professional or occupational memberships or organizations may earn a discount on your next renewal.
  • College Student – Older children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Senior Citizen Rates – Mature drivers may receive a small decrease in premiums on RAM 350 coverage.
  • Discount for New Cars – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for newer vehicles.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up could cut 10% or more off the medical payments premium.
  • Military Rewards – Having an actively deployed family member could trigger a small discount.

As is typical with insurance, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

If you would like to choose from a list of auto insurance companies that offer the discounts shown above, click this link.

Insurance can be complex

When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if you could use an agent’s help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I buy more coverage than the required minimum liability coverage?
  • What are the financial responsibility laws in my state?
  • Can I rent a car in Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can my teen drive my company car?
  • Am I covered if my car is in a flood?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance policy coverages for a Dodge RAM 350

Knowing the specifics of a car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by car insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, hitting a bird and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance – This coverage protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, attorney fees, loss of income and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge RAM 350.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as dental work, funeral costs, surgery and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – This covers damage to your RAM 350 resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Don’t break the bank

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. There have been many cases where an insured cut comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

Cost effective 1991 Dodge RAM 350 insurance is possible online and with local insurance agents, so you should compare both to have the best selection. Some companies don’t offer rates over the internet and many times these small insurance companies only sell coverage through local independent agencies.

You just learned a lot of information how to save on 1991 Dodge RAM 350 insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the best auto insurance rates are with the least-expected company. They can often provide lower premium rates in certain areas as compared to the big name companies such as Progressive and GEICO.

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