Save on 1994 Dodge Ram Van Insurance Rates

Scraping up a payment for pricey Dodge Ram Van insurance can stress out your budget and force you to cut corners elsewhere. Doing a rate analysis is free, only takes a few minutes, and is a good way to ensure you are getting the best deal.

Insurance companies such as Progressive, State Farm and GEICO continually bombard you with TV and radio ads and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

You should make it a habit to compare rates as often as possible since insurance rates tend to go up over time. Even if you got the best rate on Ram van insurance on your last policy there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re about to find out the easiest way to lower your rates without sacrificing coverage.

If you have a policy now or need a new policy, you can learn to get lower rates and possibly find even better coverage. Buying car insurance is not that difficult. Drivers just need to understand the most efficient way to find the lowest price online.

Discount auto insurance quotes

Properly insuring your vehicles can get expensive, but you may find discounts that you may not even be aware of. Certain reductions will be credited at the time of quoting, but a few must be inquired about before you get the savings. If they aren’t giving you every credit you deserve, you could be paying more than you need to.

  • ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents so you can save 10 percent or more.
  • First Accident Forgiveness – but a handful of insurance companies may permit one accident before raising your premiums if you have no claims prior to the accident.
  • College Student – living away from home attending college without a vehicle on campus could qualify for this discount.
  • Life Insurance – Larger insurance companies have a discount if you purchase auto and life insurance together.
  • Smart Student Discounts – Performing well in school can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.

It’s important to understand that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. Even though it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of providers with the best discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For example, these questions could help you determine whether you may require specific advice.

  • If my 1994 Dodge Ram Van is totaled, can I afford another vehicle?
  • How can I force my company to pay a claim?
  • What are the financial responsibility laws in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my dog or cat covered if injured in an accident?
  • Can I still get insurance after a DUI?
  • Do all my vehicles need collision coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • When can I cancel my policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance in the media

Consumers can’t avoid all the ads for the lowest price auto insurance from the likes of State Farm and Allstate. They all seem to have a common claim about savings just by switching to their company.

How does each company charge you less for car insurance? This is the way they can do it.

All companies are able to cherry pick for the driver that will most likely be profitable. A good example of this type of insured might be described as over the age of 45, has never had a policy lapse, and the vehicle is rated for pleasure use. Any customer that fits those parameters will most likely get cheap prices and have a good chance to save a lot of money.

Insureds who are not a match for this stringent profile will be quoted higher premiums with the end result being business not being written. Company advertisements say “drivers that switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can confidently advertise the way they do. Different companies use different criteria so you should compare price quotes frequently. It’s just not possible to know the company that will provide you with the cheapest rates.

Car insurance coverage information

Understanding the coverages of car insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Ram Van.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, damage from flooding, fire damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

Collision insurance pays for damage to your Ram Van from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability car insurance

This can cover damage or injury you incur to people or other property. It protects YOU against other people’s claims, and does not provide coverage for 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 might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as structural damage, medical services, loss of income, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as nursing services, chiropractic care and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Compare but don’t skimp

We just covered a lot of information how to shop for 1994 Dodge Ram Van insurance online. The key concept to understand is the more times you quote, the better chance you’ll have of finding inexpensive car insurance. You may even discover the most savings is with the least-expected company. These smaller insurers may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed liability coverage limits only to regret at claim time that the savings was not a smart move. Your goal should be to get the best coverage possible at an affordable rate and still be able to protect your assets.

Helpful learning opportunities