1991 Dodge Ram 50 Pickup Car Insurance Rates – 9 Ways to Save

Getting cheap insurance over the internet might appear intimidating for people who are beginners to quoting and comparing prices online. With such a big selection of agents and insurers to choose from, how can people effectively compare the different rates to find lower insurance premiums?

Get cheap car insurance quotes with discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that many consumers don’t even know exist. Some of these disounts will be visible when you get a quote, but once in a while a discount must be manually applied prior to receiving the credit.

  • Good Student – Being a good student could provide a savings of up to 20% or more. The discount lasts up to age 25.
  • Paperwork-free – A few larger online companies will give a small break just for signing your application digitally online.
  • Save with More Vehicles Insured – Having all your vehicles with the same company can get a discount on all vehicles.
  • Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for Ram 50 pickup coverage depending on your car insurance provider.
  • Passive Restraint Discount – Vehicles with factory air bags can receive discounts of 20% or more.
  • Student in College – Youth drivers who live away from home to go to college and do not take a car to college may be insured at a cheaper rate.
  • Active Military Service – Being on active deployment in the military could trigger a small discount.
  • Life Insurance Discount – Some insurance carriers give a discount if you purchase auto and life insurance together.
  • Switch and Save Discount – Select insurance companies give a discount for signing up prior to the expiration date on your current policy. You could save around 10% when you buy car insurance online.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, you aren’t that lucky.

Some of the larger companies who may offer many of the previously listed discounts include:

Check with every insurance company to give you their best rates. Savings might not apply in every state. If you would like to choose from a list of insurers that offer discounts, click this link.

Tailor your insurance coverage to you

When buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different.

For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Am I covered if I hit a deer?
  • Is my teen driver covered when they drive my company car?
  • What is PIP insurance?
  • Is my Dodge Ram 50 Pickup covered if I use it for business?
  • What is the ISO rating for a 1991 Dodge Ram 50 Pickup?
  • If I drive on a suspended license am I covered?
  • Do I need motorclub coverage?
  • When should I remove comp and collision on my 1991 Dodge Ram 50 Pickup?
  • Am I getting all the discounts available?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Misconceptions in car insurance advertisements

GEICO, State Farm and Progressive consistently run television and radio advertisements. All the companies have a common claim that drivers will save a bundle if you move your coverage. How do they all charge lower premium rates? This is the way they can do it.

Different companies give the best rates for the type of driver that earns them a profit. An example of a desirable insured should be between the ages of 30 and 45, has had continuous coverage, and has a short commute. Any customer who matches those parameters will get very good prices and therefore will save a lot if they switch.

People who are not a match for the ideal profile will be quoted higher rates which leads to the customer buying from someone else. If you pay close attention to the ads, they say “drivers who switch” not “everyone who quotes” save that much money. That is how companies can truthfully advertise the way they do.

This really illustrates why you absolutely need to get car insurance quotes from several different companies. It’s just not possible to know the company that will have better premium rates than you’re paying now.

Detailed coverages of your auto insurance policy

Having a good grasp of auto insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, damage from getting keyed, rock chips in glass, a broken windshield and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Ram 50 Pickup.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverage – Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical services, repair costs for stationary objects, attorney fees, emergency aid and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – Collision coverage pays for damage to your Ram 50 Pickup resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, hitting a mailbox, hitting a parking meter, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for immediate expenses for rehabilitation expenses, funeral costs, pain medications, X-ray expenses and EMT expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Cheaper insurance is a realistic goal

Drivers who switch companies do it for a variety of reasons including high prices, unfair underwriting practices, questionable increases in premium and even extreme rates for teen drivers. It doesn’t matter what your reason, finding the right car insurance provider can be pretty painless.

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped physical damage coverage only to discover later they didn’t have enough coverage. The goal is to get the best coverage possible for the lowest price, but do not skimp to save money.

You just learned quite a bit of information on how to compare 1991 Dodge Ram 50 Pickup insurance prices online. The key concept to understand is the more you quote car insurance, the better your comparison will be. You may be surprised to find that the lowest prices come from some of the smallest insurance companies.

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