1994 Dodge Ram Wagon Insurance Cost

Searching for the cheapest insurance for a Dodge Ram Wagon can be an all-consuming task, but you can use our insurance buying tips and make it easy. There is a better way to compare insurance rates so we’re going to tell you the quickest way to price shop coverage for your Dodge and get the cheapest rates from local insurance agents and online providers.

Consumers should take time to compare premium rates quite often because prices trend upward over time. Even if you think you had the best deal on Ram Wagon coverage a year ago you may be paying too much now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the fastest way to find the best coverage while lowering your premiums.

Compare insurance quotes online

Finding low cost 1994 Dodge Ram Wagon insurance quotes is a fairly straight forward process. All that’s required is to take a few minutes comparing price quotes to see which company has inexpensive insurance coverage quotes. You can get a good selection of rate quotes using a couple different methods.

  1. The most efficient method to find low rates is a comparison rater form like this one (opens in new window). This method keeps you from doing separate quote forms for every company. Filling out one form compares rates direct from many companies. This is by far the quickest method.
  2. A different way to analyze rates consists of visiting the website for every company you want to comare and repeat the quote process again and again. For sake of this example, we’ll pretend you need rates from Nationwide, Farmers and GMAC. To do that, you would have to spend time going to each site individually and repeatedly type in your coverage information, which is why the first method is more popular.

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

  3. The least efficient way to compare price quotes is going to local insurance agencies. Quoting and buying insurance online has reduced the need for local agents unless you prefer the professional guidance that only a licensed agent can provide. It is possible to get prices online and have a local agent actually service the policy.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare the same coverage data on every quote you get. If your comparisons have different liability limits you will not be able to determine the lowest rate for your Dodge Ram Wagon.

Is there deception in advertising?

Drivers constantly see and hear ads that promise big savings for switching from companies such as Allstate, GEICO and Progressive. They all seem to convey the message that you’ll save big just by moving your policy.

It sounds good, but how can they all lower your premium rates? It’s all in the numbers.

All companies have strict underwriting profiles for a prospective insured they prefer to insure. A good example of this type of insured might have to be a mature driver, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote who matches that profile will get the preferred rates and therefore will pay quite a bit less when switching companies.

Insureds who cannot meet those standards may receive higher prices and this can result in business going elsewhere. The trick is to say “people that switch” not “everyone that quotes” save that kind of money. That’s why companies can truthfully make it sound like they have such great prices. This emphasizes why it is so important to quote coverage with many companies. Because you cannot predict the company that will provide you with the cheapest premium rates.

Four things that affect your insurance costs

Many different elements are used when you quote your car insurance policy. Most are fairly basic like an MVR report, although others are less obvious like where you live or how safe your car is.When buying insurance it’s important to understand the factors that come into play when calculating your insurance rates. If you have some idea of what determines premiums, this allows you to make educated decisions that can earn you lower rates.

  • How old are your drivers? – Older insureds are viewed as being more responsible, are lower risk to insure .Beginning drivers are statistically shown to be easily distracted when behind the wheel and because of this, their insurance rates are much higher.
  • Avoid unnecessary extra policy coverages – There are quite a few extra coverages that can waste your money but may not be useful. Add-on coverages like rental car coverage, towing, and term life insurance may not be needed and are just wasting money. These coverages may sound good when you first buy your policy, but if you don’t need them think about removing them and cutting costs.
  • Annual miles is a factor – Driving more miles in a year the more it will cost to insure it. Most companies rate vehicles determined by how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your vehicle rating properly reflects the correct usage for each vehicle, because it can save money. An incorrectly rated Ram Wagon can result in significantly higher rates.
  • How much liability protection – Liability insurance will protect you if ever you are determined to be liable for damages from an accident. Liability insurance provides legal defense coverage which can cost a lot. Liability is cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

Insurance discounts are available to lower your rates

Not too many consumers would say insurance is affordable, but there’s a good chance there are discounts that many people don’t even know exist. A few discounts will be applied at the time of purchase, but some may not be applied and must be asked for before being credited. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Seat Belts Save – Requiring all passengers to buckle their seat belts can save a little off the PIP or medical payment premium.
  • Include Life Insurance and Save – Some companies give a break if you buy life insurance.
  • Drivers Education – Have your child enroll in driver’s education as it will make them better drivers and lower rates.
  • ABS Brakes – Vehicles with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
  • Accident Waiver – This isn’t a discount exactly, but a handful of insurance companies may permit one accident before your rates go up if your claims history is clear for a set time period.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.
  • Pay Early and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Defensive Driver – Completing a safe driver class could possibly earn you a 5% discount and make you a better driver.

A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. So when it seems like you could get a free insurance policy, you aren’t that lucky. Any amount of discount will definitely reduce your policy cost.

A list of insurance companies and a summarized list of policyholder discounts are shown below.

  • American Family discounts include bundled insurance, Steer into Savings, defensive driver, multi-vehicle, accident-free, good driver, and air bags.
  • State Farm offers premium reductions for safe vehicle, anti-theft, good student, multiple policy, and passive restraint.
  • 21st Century offers discounts including air bags, student driver, defensive driver, homeowners, early bird, 55 and older, and teen driver.
  • Travelers includes discounts for continuous insurance, new car, save driver, multi-policy, student away at school, and good student.
  • GEICO may have discounts that include multi-policy, membership and employees, daytime running lights, five-year accident-free, and air bags.

Check with every prospective company which discounts can lower your rates. Some discounts listed above may not be available in your area. To locate insurers that offer multiple discounts, click here to view.

Everyone needs different insurance coverages

When it comes to choosing coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether you will benefit from professional help.

  • Are all vehicle passengers covered by medical payments coverage?
  • How much liability coverage do I need in my state?
  • What is UM/UIM insurance?
  • Should I sign the liability waiver when renting a car?
  • If I drive on a suspended license am I covered?
  • How high should my medical payments coverage be?
  • Does my 1994 Dodge Ram Wagon qualify for pleasure use?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like surgery, doctor visits, dental work, EMT expenses and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage provides protection from damage that occurs to other people or property. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like loss of income, funeral expenses, structural damage and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Dodge Ram Wagon.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, falling objects and vandalism. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Ram Wagon caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as scraping a guard rail, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage on a shoestring budget

In this article, we covered a lot of techniques to compare 1994 Dodge Ram Wagon insurance car insurance rates online. The key thing to remember is the more you quote insurance coverage, the better likelihood of getting the cheapest insurance coverage. You may be surprised to find that the best car insurance rates are with the least-expected company.

As you prepare to switch companies, you should never buy less coverage just to save a little money. Too many times, an insured cut liability limits or collision coverage only to discover later they didn’t have enough coverage. Your objective should be to get the best coverage possible at the best price and still be able to protect your assets.

The cheapest 1994 Dodge Ram Wagon insurance can be bought both online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not provide online rate quotes and usually these smaller providers prefer to sell through local independent agents.

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