Compare 1991 Dodge Ramcharger Insurance Rates

Want the cheapest insurance coverage rates for your Dodge Ramcharger? Are you sick and tired of scraping nickels together to pay high insurance coverage rates every month? You are in the same boat as many other drivers.

Due to the abundance of companies and agents to choose from, it can be challenging to find the right insurance company.

Consumers should take time to quote other rates occasionally since insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest rates on Ramcharger insurance on your last policy you can probably find a better premium rate now. Block out anything you think you know about insurance coverage because I’m going to teach you one of the quickest ways to find lower rates on insurance coverage.

Learn how to lower your insurance premiums

A large part of saving on car insurance is knowing the rating factors that go into determining car insurance rates. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that may reward you with big savings. Many factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although some other factors are more obscure like where you live or your commute time.

  • How do annual miles impact rates? – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars not used for work or commuting receive better premium rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Ramcharger is just wasting money. It’s a smart idea to ensure your policy properly reflects the correct driver usage.
  • Male costs may be higher – The statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that women are better drivers. Women and men cause accidents at a similar rate, but guys tend to have higher claims. They also get more serious tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 are most likely to cause an accident so it costs more to insure them.
  • Traffic violations hurt – Being a careful driver has a big impact on rates. Getting just one ticket could increase your next policy renewal substantially. Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Drivers with serious violations like DUI or willful reckless driving are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Improve your credit history and save – Having a good credit history factor in determining premium rates. Drivers who have excellent credit tend to be more responsible than drivers with poor credit. So if your credit history leaves room for improvement, you could pay less to insure your 1991 Dodge Ramcharger if you improve your credit rating.
  • Claim-free discounts can add up – Insurance companies give most affordable rates to policyholders who are claim-free. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Auto insurance is meant to be used in the event of the large, substantial claims.

You may qualify for discounts

Insurance coverage is expensive, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but a few must be specifically requested before being credited.

  • Renewal Discounts – Some larger companies provide a discount for renewing your policy before your current expiration date. It could save around 10% when you buy car insurance online.
  • Buy New and Save – Buying a new car instead of a used car may earn a small discount since newer models are generally safer.
  • Government Employees – Federal government employees could provide a small rate reduction on Ramcharger insurance but check with your company.
  • Clubs and Organizations – Being a member of a professional or civic organization could trigger savings on your bill.
  • Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn substantially lower insurance coveragerates.
  • Defensive Driving Course – Taking a defensive driving class could possibly earn you a 5% discount and make you a better driver.
  • Policy Bundle Discount – If you can combine your home and auto policy and place coverage with the same company they may give you a discount of up to 20% and get you low cost car insurance.
  • Homeowners Pay Less – Just owning your own home can save you money since owning and maintaining a home shows financial diligence.
  • Anti-lock Brake System – Cars and trucks with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.

Policy discounts save money, but most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, nobody gets a free ride. Any amount of discount will bring down your premiums.

A few of the larger companies and their possible discounts are shown below.

  • 21st Century discounts include homeowners, theft prevention, defensive driver, driver training, and teen driver.
  • Progressive offers discounts for online quote discount, online signing, good student, multi-vehicle, multi-policy, continuous coverage, and homeowner.
  • State Farm has discounts for Drive Safe & Save, multiple autos, Steer Clear safe driver discount, defensive driving training, multiple policy, accident-free, and driver’s education.
  • Nationwide offers discounts including defensive driving, easy pay, family plan, multi-policy, accident-free, good student, and business or organization.
  • Esurance may have discounts that include claim free, Switch & Save, DriveSense, online quote, and paid-in-full.
  • The Hartford offers premium reductions for bundle, good student, air bag, anti-theft, defensive driver, and vehicle fuel type.

If you need lower rates, check with every insurance company which discounts you may be entitled to. Some credits may not be available in every state. If you would like to see a list of insurance coverage companies with discount rates, click here to view.

There’s no such thing as the perfect auto insurance policy

When buying coverage, there really is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions could help you determine if you will benefit from professional help.

  • Is business property covered if stolen from my car?
  • When do I need to add a new car to my policy?
  • Am I getting all the discounts available?
  • Is my trailer covered?
  • Does my 1991 Dodge Ramcharger qualify for pleasure use?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance coverages 101

Learning about specific coverages of your insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like surgery, doctor visits and nursing services. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

This coverage will cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like legal defense fees, funeral expenses, emergency aid, medical services and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from a tornado or hurricane, a broken windshield, hitting a deer and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Ramcharger.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Be a money saver!

You just learned a lot of information how to shop for 1991 Dodge Ramcharger insurance online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting low cost car insurance. You may even find the best car insurance rates are with a small local company. Regional companies may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

When you buy car insurance online, it’s very important that you do not buy poor coverage just to save money. In many cases, someone dropped physical damage coverage only to find out that it was a big error on their part. The ultimate goal is to buy the best coverage you can find at an affordable rate.

For more information, feel free to browse the articles below: