View 1992 Dodge RAM 150 Insurance Quotes

Searching for the cheapest car insurance rates for your Dodge RAM 150? Locating the cheapest insurance for your Dodge RAM 150 can be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to shop for car insurance so you’re going to learn the proper way to price shop coverage on a Dodge and find the cheapest rates.

The quickest way to compare rates utilizes the fact car insurance companies provide online access to provide you with a free rate quote. All consumers are required to do is take a few minutes to give details such as the year, make and model of vehicles, an estimate of your credit level, if you are currently licensed, and if you’re married. Your information gets sent immediately to many of the top insurers and they provide comparison quotes immediately.

Find hidden discounts to get affordable insurance coverage quotes

Some providers do not advertise every discount in a way that’s easy to find, so the list below contains both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online. If they aren’t giving you every credit you qualify for, you are just wasting money.

Senior Citizen Discount – If you qualify as a senior citizen, you can get better insurance coverage rates on RAM 150 insurance.
Safety Course Discount – Taking part in a course in defensive driving may get you a small discount and make you a better driver.
Life Insurance Discount – Not all companies offer life insurance, but some may give you a discounted price on car insurance if you buy life insurance.
Switch and Save Discount – A few larger companies offer discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
Low Mileage Discounts – Maintaining low annual mileage may allow you to get slightly better prices than normal.
Auto/Home Discount – If you combine your auto and home policies and place coverage with the same company you may earn up to 20% off your total premium.
Professional Organizations – Being a member of qualifying employment or professional organizations is a good way to get lower rates on your next renewal.

As a footnote on discounts, some credits don’t apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

If you would like to see a list of insurance companies with discount insurance coverage rates, click here.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your insurance needs will benefit from professional help.

Do I need more liability coverage?
When can I cancel my policy?
Is rental equipment covered for theft or damage?
Should I drop comprehensive coverage on older vehicles?
What is the minimum liability in my state?
I have good health insurance, so how much medical payments coverage do I need?
What if I total my 1992 Dodge RAM 150 and owe more than it’s worth?
Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Auto insurance policy coverages for a Dodge RAM 150

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for collisions

Collision coverage will pay to fix damage to your RAM 150 resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 1992 Dodge RAM 150.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability insurance

Liability insurance can cover damage or injury you incur to other people or property in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

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. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like structural damage, bail bonds and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like rehabilitation expenses, pain medications, doctor visits and nursing services. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay