How Much Does 1992 Dodge Ram 50 Pickup Car Insurance Cost?

Shoppers have a choice when shopping for low-cost Dodge Ram 50 Pickup insurance. You can either spend your time driving around getting price quotes or use the internet to compare rates. There is a right way and a wrong way to shop for insurance and we’ll show you the absolute fastest way to quote coverages on a Dodge and find the lowest possible price.

Buying car insurance is quite easy. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Drivers only need to know the most efficient way to compare price quotes online.

Buy auto insurance online

All the larger auto insurance companies like Allstate, GEICO and Progressive make it easy to get coverage price quotes on their websites. This process can be done by anyone as you simply type in the coverage amounts you desire as detailed in the form. Once entered, their rating system automatically orders information on your driving record and credit history and provides a quote based on many factors.

Online quotes makes it simple to compare prices but the work required to visit different websites and type in your information is monotonous and tiresome. But it’s absolutely necessary to perform this step in order to find the lowest price.

The easiest way to lower your rates uses one simple form to return rates from several different companies. The form is fast, eliminates form submissions, and makes online price comparison much more efficient. After sending your information, it is quoted with multiple companies and you can pick any one of the pricing results. If a lower price is quoted, you simply finish the application and buy the new coverage. The entire process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To use this form to compare rates, click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you enter deductibles and limits exactly as they are listed on your policy. This guarantees you will have a fair comparison for similar insurance coverage.

The largest companies are not always cheapest

Consumers get pounded daily by advertisements that promise big savings for switching from companies such as Allstate, GEICO and Progressive. All the companies make the same claim about savings just by moving your auto insurance coverage to their company.

How does every auto insurance company give you a lower rate? You have to listen carefully.

All companies have specific characteristics for the type of driver that makes them money. For instance, a profitable risk profile should be over the age of 40, carries high limits, and has a high credit rating. A customer getting a price quote who meets those qualifications will probably get the lowest prices and most likely will pay quite a bit less when switching companies.

Insureds who cannot meet the “perfect” profile may be forced to pay higher premium rates and ends up with the customer buying from someone else. The ad wording is “drivers that switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can make those claims. Because every company is different, you really should compare quotes as often as possible. It is just not possible to predict which auto insurance company will have the lowest rates.

Find discounts on insurance coverage

Some insurance providers don’t list all available discounts very well, so we took the time to find a few of the more common and also the more inconspicuous ways to save on insurance coverage.

  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Low Mileage – Fewer annual miles on your Dodge could earn lower premium rates due to less chance of an accident.
  • Driving Data Discount – Policyholders that allow their company to spy on where and when they drive by using a telematics device like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if their driving habits are good.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • E-sign – A few companies will provide an incentive just for signing your application over the internet.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower insurance coverage rates.
  • Pay Upfront and Save – By making one initial payment rather than paying monthly you can avoid the installment charge.
  • Renewal Discounts – A few larger companies offer discounts for renewing your policy before your current expiration date. It can save you around 10%.
  • Waiver for an Accident – This one is not really a discount per se, but some insurance companies will forgive one accident before they charge you more for coverage so long as you haven’t had any claims prior to being involved in the accident.

Policy discounts save money, but many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, it’s just not the way it works.

Larger insurance coverage companies and some of the discounts include:

  • GEICO offers discounts for emergency military deployment, daytime running lights, anti-theft, military active duty, multi-policy, and anti-lock brakes.
  • Auto-Owners Insurance includes discounts for group or association, anti-lock brakes, multi-policy, anti-theft, safe driver, air bags, and mature driver.
  • American Family may have discounts that include air bags, good student, mySafetyValet, good driver, bundled insurance, and Steer into Savings.
  • Esurance has savings for safety device, online quote, anti-theft, Switch & Save, and renters.
  • Progressive offers discounts including online signing, multi-policy, homeowner, online quote discount, good student, and multi-vehicle.
  • State Farm discounts include multiple policy, defensive driving training, multiple autos, safe vehicle, and anti-theft.
  • AAA offers premium reductions for education and occupation, multi-policy, good driver, pay-in-full, and good student.

Double check with each company which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders in every state. To view insurance coverage companies with the best insurance coverage discounts, click here to view.

Tailor your insurance coverage to you

When buying proper insurance coverage, there is no cookie cutter policy. Each situation is unique.

For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • When can I cancel my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What exactly is covered by my policy?
  • When should my teen driver be added to my policy?
  • What happens if I owe more than my 1992 Dodge Ram 50 Pickup is worth?
  • Do I need to file an SR-22 for a DUI in my state?
  • What companies insure drivers after a DUI or DWI?
  • What is PIP insurance?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Learning about specific coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Liability coverages

Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as attorney fees, loss of income and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision insurance will pay to fix damage to your Ram 50 Pickup from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills for things like funeral costs, pain medications, dental work and surgery. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

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

Comprehensive can pay for claims such as hitting a deer, fire damage, rock chips in glass and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

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 hospital bills for your injuries and also any damage incurred to your Dodge Ram 50 Pickup.

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. For this reason, having high UM/UIM coverages is very important.

Power to the consumer

We just showed you many ideas to lower your 1992 Dodge Ram 50 Pickup insurance rates. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding cheaper insurance. Consumers may even find the lowest rates come from a smaller regional carrier.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice collision coverage only to regret that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at the best possible price while not skimping on critical coverages.

Insureds change insurance companies for many reasons like high prices, not issuing a premium refund, an unsatisfactory settlement offer and delays in responding to claim requests. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Additional auto insurance information is located at the links below