Cheap 1993 Dodge Ram Wagon Car Insurance Rates

Trying to find cheaper auto insurance rates for your Dodge Ram Wagon? Searching for cheaper insurance for your Dodge Ram Wagon can normally be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the proper way to quote coverages for a new or used Dodge and find the lowest possible price.

It’s a good idea to get comparison quotes before your policy renews since insurance prices change regularly. Even if you got the lowest quotes for Ram Wagon insurance at your last renewal a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because we’re going to show you the fastest way to find better rates and still maintain coverage.

If you have insurance now or are shopping for new coverage, you will benefit by learning to get lower rates and possibly find even better coverage. Pricing the best insurance is quite easy. Consumers only need an understanding of the proper way to get comparison rates online.

Compare insurance quotes

Getting cheaper 1993 Dodge Ram Wagon insurance pricing is actually easier than you may think. All that’s required is to spend a little time comparing rate quotes to find. You can get a good selection of rate quotes by using one of the methods below.

  • One of the simplest ways to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This method eliminates the need for repetitive form entry for every insurance company. One simple form will return quotes direct from many companies. It’s the fastest way to compare.
  • A more time consuming way to find better pricing requires a visit to the website for every company you want to comare to complete a price quote. For instance, let’s assume you are doing a rate comparison from Auto-Owners, Esurance and State Farm. To get each rate you have to visit each site to enter your coverage information, which can be really labor intensive.

    For a list of links to insurance companies in your area, click here.

The method you choose is up to you, but do your best to enter equivalent coverage limits for every quote you compare. If you use different data it will be impossible to make a fair rate comparison.

Cheap car insurance rates with discounts

Properly insuring your vehicles can get expensive, but there may be some discounts that you may not know about. A few discounts will be applied when you get a quote, but some must be specially asked for before they will apply.

  • Professional Memberships – Having an affiliation with a qualifying organization can get you a small discount on car insurance.
  • More Vehicles More Savings – Insuring multiple vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
  • Claim Free – Insureds who avoid accidents and claims pay much less in comparison with frequent claim filers.
  • Discount for Life Insurance – Some insurance companies give a lower rate if you buy auto and life insurance together.
  • Passenger Safety Discount – Cars that have air bags or motorized seat belts can receive discounts of 20% or more.
  • Senior Citizens – Drivers that qualify as senior citizens could receive a slight reduction on a auto insurance quote for Ram Wagon insurance.

You should keep in mind that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount should definitely cut the premium cost.

Auto insurance companies that have these benefits may include but are not limited to:

Before you buy a policy, ask all companies you are considering to give you their best rates. Some of the earlier mentioned discounts may not be available in your area. To find insurance companies who offer online car insurance quotes, click here.

Tailor your auto insurance coverage to you

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

Here are some questions about coverages that can aid in determining whether you might need professional guidance.

  • Is my custom paint covered by insurance?
  • Can I drive in Mexico and have coverage?
  • Is rental equipment covered for theft or damage?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my teen driver covered when they drive my company car?
  • Am I covered when driving someone else’s vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Smart consumers can slash their insurance prices

Lots of things are part of the equation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, although others are more transparent like your vehicle usage or your commute time.

The items below are some of the items used by your company to calculate rates.

  • If you don’t need it don’t buy it – There are a ton of extra add-on coverages that can add up if you aren’t careful. Insurance for personal injury protection, high-cost glass coverage, and extra life insurance coverage may be costing you every month. They may seem good initially, but your needs may have changed so consider taking them off your policy.
  • Marriage discount – Being married may save some money on your insurance bill. It generally demonstrates drivers are more mature and statistics prove married drivers get in fewer accidents.
  • Don’t cut corners with liability coverage – A critical coverage on your policy, liability insurance kicks in in the event that you are found liable for an accident. It will provide legal defense to defend your case. Liability insurance is quite affordable compared to other policy coverages, so do not skimp.
  • Your vocation is a factor – Did you know your career choice can influence rates? Occupations such as military generalsair traffic controllers and miners generally have higher rates than the rest of us in part from intense work requirements and lots of time spent away from family. Other careers like actors, engineers and retirees have the lowest average rates for Ram Wagon insurance.
  • Continuous coverage saves money – Driving any period of time without insurance can get your license suspended and your next policy will cost more because you let your insurance coverage expire. And not only will your rates increase, not being able to provide proof of insurance might get you fines or a revoked license.
  • Raising coverage deductibles lowers costs – Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your Dodge. Some examples of claims that would be covered are collision with another vehicle, vandalism, and damage from a fallen tree branch. Deductibles for physical damage are how much you are required to pay if a claim is determined to be covered. The more the insured is willing to pay, the less money you will pay for insurance for Ram Wagon insurance.
  • The higher your credit rating the lower your costs – An insured’s credit history is a large factor in determining premium rates. Therefore, if your credit history is low, you may save money insuring your 1993 Dodge Ram Wagon by improving your credit score. Drivers who have good credit tend to file fewer claims as compared to drivers with poor credit scores.
  • Choose high crash test ratings and save – Cars with five star safety ratings are cheaper to insure. Safer cars help reduce the chance of injuries in an accident and fewer injuries means less claims paid and more competitive rates for policyholders. If your Dodge Ram Wagon is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.

Can you really save if you switch?

Consumers constantly see and hear ads for the lowest price insurance from companies such as GEICO, State Farm and Progressive. They all seem to tend to make the same promise about saving some big amount if you change to them.

How is it possible that every company can make the same claim? This is the trick they use.

Insurance companies quote the lowest rates for the type of insured that earns them the highest profit. One example of this type of insured might have to be a mature driver, insures multiple vehicles, and the vehicle is rated for pleasure use. Any person who fits those characteristics will get very good premium rates and have a good chance to save quite a bit of money when switching.

Potential insureds who are not a match for those standards must pay higher prices and this results in business going elsewhere. If you pay close attention to the ads, they say “people who switch” not “everybody who quotes” save money. That is how insurance companies can advertise the savings. This really emphasizes why you should get auto insurance quotes as often as possible. It is just not possible to predict which insurance companies will provide the lowest rates.

The coverage is in the details

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability

This can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like medical services, loss of income, medical expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision protection

This covers damage to your Ram Wagon caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Dodge Ram Wagon.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

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 things such as vandalism, hitting a bird, damage from flooding, damage from a tornado or hurricane and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses such as X-ray expenses, doctor visits, funeral costs, pain medications and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Cheaper insurance is a realistic goal

Affordable 1993 Dodge Ram Wagon insurance can be bought both online as well as from insurance agents, and you should compare rates from both to have the best selection. A few companies may not have online quoting and usually these small insurance companies work with independent agencies.

As you quote auto insurance, do not skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.

We just showed you a lot of techniques to shop for 1993 Dodge Ram Wagon insurance online. The key concept to understand is the more quotes you get, the better likelihood of getting cheap auto insurance. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.

More detailed auto insurance information can be read in these articles: