1991 Dodge Ram Van Car Insurance Rates – 9 Tips for Best Quotes

Want lower auto insurance rates for your Dodge Ram Van? Do you think you bought high-priced auto insurance? It’s a common feeling and you are not the only one feeling buyer’s remorse.

Since people have many options, it’s difficult to choose a lower cost insurance company.

Buying car insurance is quite easy. If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. But drivers must comprehend the way insurance companies sell insurance online.

The quickest method to compare rates is to know the fact all the major auto insurance companies will pay a fee to provide you with a free rate quote. The only thing you need to do is provide details like your education level, whether your vehicle is owned or leased, the type of vehicles you drive, and daily mileage. Your rating data is submitted instantly to insurance carriers in your area and they return quotes instantly.

Cheap insurance quotes with discounts

The cost of insuring your cars can be expensive, but you may qualify for discounts to help offset the cost. Some of these disounts will be visible when you quote, but some discounts are required to be asked about in order for you to get them.

• Claim-Free Discount – Good drivers with no accidents pay less as opposed to insureds who have frequent claims or accidents.
• Paperless Signup – A few larger companies give back up to $50 for buying your policy on their website.
• Auto/Home Discount – If you can bundle your auto and home insurance and insure them with the same company you will save up to 20% off your total premium.
• Responsible Drivers – Drivers who avoid accidents can pay as much as 50% less for Ram van coverage compared to accident prone drivers.
• Fewer Miles Equal More Savings – Driving fewer miles may allow you to get slightly better premium rates than normal.
• Sign Early and Save – A few companies allow discounts for switching to them prior to your current policy expiration. You may see this discount when you get auto insurance quotes online.
• One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies may permit one accident without getting socked with a rate hike if you are claim-free for a set time period.
• Payment Method – By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.
• Senior Discount – If you qualify as a senior citizen, you could receive a discount up to 10% for Ram van coverage.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, that’s just not realistic.

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

• State Farm may include discounts for multiple autos, defensive driving training, safe vehicle, anti-theft, passive restraint, Drive Safe & Save, and multiple policy.
• Nationwide may offer discounts for business or organization, good student, multi-policy, defensive driving, easy pay, accident-free, and family plan.
• GEICO offers discounts for membership and employees, daytime running lights, multi-policy, federal employee, anti-theft, and defensive driver.
• AAA may have discounts that include anti-theft, pay-in-full, multi-car, education and occupation, good student, good driver, and multi-policy.
• 21st Century includes discounts for teen driver, driver training, good student, anti-lock brakes, theft prevention, and student driver.
• The Hartford has savings for driver training, bundle, good student, vehicle fuel type, air bag, and anti-theft.

It’s a good idea to ask all the companies what discounts are available to you. Some of the discounts discussed earlier may not be offered in every state. To choose insurance companies offering insurance discounts, click here.

Tailor your insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can help discover if your situation will benefit from professional help.

• What is the ISO rating for a 1991 Dodge Ram Van?
• Do I need rental car coverage?
• Do I have coverage when pulling a U-Haul trailer?
• Is my business laptop covered if it gets stolen from my vehicle?
• Am I covered when driving a rental car?
• Do I have any recourse if my insurance company denies a claim?
• Will my insurance pay for OEM parts?
• What are the financial responsibility laws in my state?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

What car insurance coverages do you need?

Learning about specific coverages of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages offered by car insurance companies.

Collision coverage protection

Collision coverage pays for damage to your Ram Van from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, colliding with a tree and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as falling objects, fire damage, hail damage, a tree branch falling on your vehicle and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Dodge Ram Van.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for EMT expenses, pain medications, surgery, ambulance fees and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability

This coverage protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

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. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, court costs, bail bonds, loss of income and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.