Lower Your 1995 Dodge Ram Wagon Insurance Quotes

No normal person likes buying car insurance, especially when they know they could get a better deal. There is such a variety of auto insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, it makes it harder to compare rates and cut insurance costs.

Consumers should take time to price shop coverage periodically because insurance prices are constantly changing. Even if you think you had the lowest quotes for Ram Wagon insurance a couple years back you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the only way to remove unneeded coverages and save money.

How to compare car insurance rate quotes

Performing a rate comparison can be challenging if you don’t understand the best way to get rate quotes. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to get pricing more quickly.

The majority of car insurance companies belong to an insurance system where insurance shoppers send in one quote, and at least one company returns a competitive quote. This system prevents you from having to do quote forms for every car insurance company. To access this free quoting program, click here to start a free quote.

One minor caviat to comparing rates this way is you don’t know exactly which companies you will receive quotes from. If you would rather choose specific providers to receive pricing from, we put together a list of car insurance companies in your area. View list of insurance companies.

However you get your quotes, do your best to use equivalent coverages for each comparison quote. If you compare mixed coverages it will be nearly impossible to determine the lowest rate for your Dodge Ram Wagon.

Cheaper car insurance quotes with discounts

Some companies don’t list every available discount very clearly, so the list below details a few of the more common and the harder-to-find credits that may apply to you.

Fewer Miles Equal More Savings – Keeping the miles down on your Dodge could qualify for substantially lower car insurancerates.
Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
Claim-Free Discount – Claim-free drivers pay less in comparison with drivers who are more careless.
Savings for New Vehicles – Insuring a new car can cost up to 25% less since newer vehicles are generally safer.
E-sign Discounts – A few larger online companies provide a small discount simply for signing on their website.
Switch and Save Discount – Select car insurance companies give a discount for buying a new policy before your current expiration date. It’s a savings of about 10%.
Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
Distant Student – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Seat Belts Save – Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% off the PIP or medical payment premium.

You should keep in mind that 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 liability, collision or medical payments. Despite the appearance that you could get a free car insurance policy, companies wouldn’t make money that way. But any discount will help reduce the amount you pay for coverage.

To find car insurance companies who offer online car insurance quotes, click here to view.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there really is not a best way to insure your cars. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

Is upholstery damage covered by car insurance?
Which companies will insure high-risk drivers?
Do I have coverage if my license is suspended?
Why does it cost so much to insure a teen driver?
Am I missing any policy discounts?
Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Specifics of your car insurance policy

Having a good grasp of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by car insurance companies.

Liability auto insurance

Liability coverage protects you from damage that occurs to people or other property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, 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 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as pain and suffering, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

This coverage pays for damage to your Ram Wagon from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, backing into a parked car, hitting a parking meter, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as pain medications, funeral costs and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive car insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, rock chips in glass, hitting a bird, a broken windshield and hitting a deer. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.