Cheap 1993 Dodge RAM 350 Car Insurance Cost

No car owner likes paying for insurance coverage, especially when they are aware that they could find better rates elsewhere.

Since you have so many companies to choose from, it can be impossible to find the cheapest insurance company.

It’s a good habit to price shop coverage yearly because insurance coverage prices are constantly changing. Just because you had the lowest rates for RAM 350 insurance six months ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about insurance coverage because you’re going to get a crash course in how to use online quotes to find better rates and still maintain coverage.

This information will instruct you on how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these tips. Although vehicle owners can benefit by having an understanding of the methods companies use to price insurance differently and take advantage of how the system works.

How your RAM 350 insurance premiums are determined

Lots of things are taken into consideration when you quote your car insurance policy. A few of the factors are predictable such as your driving history, although some other factors are less apparent like your continuous coverage or your vehicle rating.The best way to find cheaper car insurance is to take a look at some of the things that help calculate the rates you pay for car insurance. If you understand what influences your rates, this enables you to make decisions that may reward you with cheaper rates.

The list below includes some of the factors car insurance companies consider when setting your prices.

  • Too many claims and you’ll pay more – If you file claims often, don’t be surprised to see either policy cancellation or increased premiums. Car insurance companies generally give better rates to people who file claims infrequently. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Big cities mean more claims – Residing in less populated areas of the country may provide you with better prices when insuring your vehicles. Fewer drivers on the road translates into fewer accident claims and also fewer theft and vandalism claims. City drivers have much more traffic and a longer drive to work. More time behind the wheel means more chance of being in an accident.
  • Drivers with good credit save – Having a good credit history is a big factor in determining what you pay for car insurance. People that have very high credit ratings tend to be more responsible and file fewer claims as compared to drivers with bad credit. If your credit score is low, you could save money insuring your 1993 Dodge RAM 350 if you improve your credit rating.
  • Which gender costs less? – Statistics show that women are safer drivers than men. This data doesn’t prove that females are better drivers. They both get in auto accidents at a similar rate, but males have costlier accidents. Not only are claims higher, but men have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident so it costs more to insure them.
  • Prevent car insurance policy lapses – Letting your insurance expire will be a sure-fire way to increase your renewal premiums. Not only will you pay higher rates, not being able to provide proof of insurance might get you a steep fine or even jail time.

Free insurance rate quotes

Many insurance companies such as 21st Century, Allstate and State Farm give coverage prices online. Doing online quotes is possible for anyone because it’s just a matter of typing in your coverage preferences into a form. When the form is submitted, their system orders your driving and credit reports and gives you a price quote based on these factors. Quoting online streamlines rate comparisons, but the time it takes to visit different websites and type in the same data can be a bit repetitive. But it’s necessary to have as many quotes as possible in order to find a lower rate.

A quicker way to find lower prices is to use a quote form to get prices from multiple companies. This type of form saves time, eliminates form submissions, and makes quoting online a lot less work. Immediately after you send the form, it gets priced and you are able to buy any of the pricing results.

If a lower price is quoted, it’s easy to complete the application and purchase coverage. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

If you want to compare rates using this form now, click here and submit the form. If you have coverage now, it’s recommended you copy deductibles and limits as shown on your current policy. This makes sure you are getting a fair comparison based on similar coverages.

Get lower rates by taking advantage of discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that many consumers don’t even know exist. Some discounts apply automatically when you get a quote, but some may not be applied and must be manually applied prior to getting the savings.

  • Student Driver Training – Teen drivers should take driver’s ed class if it’s offered in school.
  • Membership in Organizations – Being in a qualifying organization could trigger savings on your policy.
  • Drive Safe and Save – Insureds who avoid accidents may receive a discount up to 45% for RAM 350 insurance than drivers with accidents.
  • Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • 55 and Retired – Older drivers are able to get a small discount on rates for RAM 350 insurance.

As is typical with insurance, some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, companies don’t profit that way.

Some companies that may offer quotes with some of the above discounts may include but are not limited to:

When getting a coverage quote, ask each company or agent the best way to save money. Some credits may not apply to policies everywhere. To choose companies who offer insurance discounts, click here.

How much auto insurance do I need?

When buying coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out if your situation may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Should I drop comprehensive coverage on older vehicles?
  • When would I need rental car insurance?
  • Do I need replacement cost coverage on my 1993 Dodge RAM 350?
  • Do I have coverage when making deliveries for my home business?
  • Is other people’s property covered if stolen from my vehicle?

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.

Insurance coverages 101

Having a good grasp of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Liability coverage – This coverage will cover damages or injuries you inflict on people or other property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as structural damage, loss of income, attorney fees and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance – This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, falling objects, rock chips in glass and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Collision – This coverage will pay to fix damage to your RAM 350 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 pays for things like sideswiping another vehicle, crashing into a ditch, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like pain medications, funeral costs and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Buy Smart and Save

We just showed you a lot of ways to reduce 1993 Dodge RAM 350 insurance premium rates online. The key concept to understand is the more price quotes you have, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates are with a smaller regional carrier. Some small companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.

Discount 1993 Dodge RAM 350 insurance is possible on the web and from local agencies, and you need to price shop both to have the best selection. Some insurance providers may not have online quoting and many times these regional carriers prefer to sell through local independent agents.

Helpful learning opportunities