Compare 1991 Dodge Ram Wagon Insurance Rates

Searching for better insurance rates for your Dodge Ram Wagon? Scraping up a payment for overpriced Dodge Ram Wagon insurance can empty your personal savings and force you to make sacrifices. Doing a rate comparison is free, only takes a few minutes, and is a good way to lower your bills every month.

Due to the increasing number of insurance companies to choose from, it is very difficult to choose the lowest cost insurer.

You need to take a look at other company’s rates periodically because insurance prices are variable and change quite frequently. Just because you had the best deal for Ram Wagon coverage at your last renewal other companies may now be cheaper. Forget all the misinformation about insurance because it’s time to teach you how to use the internet to remove unneeded coverages and save money.

Smart choices result in lower insurance premiums

Lots of factors are part of the equation when quoting car insurance. Some of the criteria are obvious such as your driving history, but others are more obscure like where you live or your vehicle rating.

The following are most of the major factors used by your company to calculate premiums.

  • Fewer miles means better premiums – The higher the mileage driven each year the more you’ll pay to insure your vehicle. The majority of insurers calculate rates based upon how much you drive. Autos that do not get driven very much qualify for better rates compared to those used for work or business. Ask your agent if your insurance declarations sheet shows the right rating data, because it can save money. Improper usage on your Ram Wagon may be costing you.
  • Consider raising coverage deductibles – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Dodge. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and having your car stolen. The deductibles you choose state the amount of money you are willing to pay in the event of a claim. The larger the amount you choose to pay out-of-pocket, the lower your rates will be for Ram Wagon coverage.
  • Credit history impact insurance prices – Credit history is a big factor in calculating your premium rate. People with excellent credit scores tend to file fewer claims and have better driving records than those with poor credit scores. So if your credit history can be improved, you could be paying less to insure your 1991 Dodge Ram Wagon if you clean up your credit.
  • Save money by having multiple policies – Most insurance companies give better rates for people that have more than one policy such as combining an auto and homeowners policy. The discount can be anywhere from five to ten percent in most cases. Even with this discount, consumers should still get quotes from other companies to guarantee you are still saving the most.

Car insurance rates and discounts

Some providers don’t necessarily list their entire list of discounts very clearly, so the list below contains a few of the more well known as well as some of the hidden discounts that you may qualify for.

  • Cautious Driver Discounts – Drivers who avoid accidents may save up to 50% more for Ram Wagon coverage compared to accident prone drivers.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
  • Discount for Good Grades – Maintaining excellent grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Service Members Pay Less – Having a deployed family member could mean lower premium rates.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance coverage quote.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for Ram Wagon coverage with some car insurance companies.
  • Sign Online – A few larger online companies will give a small break for buying your policy on the web.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in school.

A quick disclaimer, most discounts do not apply to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will reduce the cost of coverage.

Car insurance companies that have some of the discounts shown above are:

When comparing rates, check with all the companies which discounts you qualify for. Savings might not be available to policyholders in your area. To see insurance companies that offer discounts, click here to view.

Do you really save 40% when you switch?

Drivers can’t get away from ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. All the companies have a common claim about how much you will save if you get a free insurance coverage quote and switch your coverage to them.

How can each company give you a better price? This is the trick they use.

Car insurance companies have a preferred profile for the right customer that will be a good risk. An example of a profitable insured may be over the age of 45, has few claims, and has a high credit rating. Anyone who matches those parameters will get the preferred auto insurance rates and will probably save when they switch companies.

Consumers who do not fit those standards will get a higher rate which translates to business going elsewhere. If you pay attention, the ads say “people who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way companies can make claims that they all have the best prices.

Different companies use different criteria so you really should do a quote comparison often. Because without a comparison, you cannot know which car insurance company will give you lower premium rates than your current company.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For instance, these questions might help in determining if you might need an agent’s assistance.

  • What is roadside assistance coverage?
  • Does car insurance cover theft of personal property?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when using my vehicle for business?
  • What if I don’t agree with a claim settlement offer?
  • Is my nanny covered when driving my vehicle?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Parts of your insurance policy

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, theft, rock chips in glass, falling objects and a broken windshield. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses such as hospital visits, funeral costs and nursing services. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage will pay to fix damage to your Ram Wagon resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your 1991 Dodge Ram Wagon.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Liability insurance – Liability coverage provides protection from injuries or damage you cause to a person or their property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as bail bonds, loss of income and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Quote more, save more

Lower-priced auto insurance can be found online and from local agencies, and you should be comparing both in order to have the best chance of saving money. Some auto insurance companies don’t offer rate quotes online and many times these regional insurance providers provide coverage only through independent insurance agencies.

We covered a lot of tips how to reduce 1991 Dodge Ram Wagon insurance car insurance rates online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest car insurance rates are with some of the lesser-known companies. These smaller insurers can often provide lower premium rates in certain areas than their larger competitors like State Farm and Allstate.

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