Compare 1996 Dodge Ram Van Insurance Quotes

Trying to find better car insurance rates for your Dodge Ram Van? Trying to come up with a payment for overpriced car insurance can dwindle your funds and force you to tighten up your finances. You have so many auto insurance companies to insure vehicles with, and although it’s a good thing to have a selection, having more insurance companies makes it harder to find the best rates for your vehicles.

It’s smart to do price comparisons before your next renewal since rates trend upward over time. Despite the fact that you may have had the best deal on Ram van coverage at your last renewal you can probably find a lower rate today. Ignore everything you know about car insurance because we’re going to show you the proper way to find lower rates on car insurance.

Lower-cost auto insurance quotes with discounts

Auto insurance is expensive, but you may be missing some discounts that many people don’t even know exist. Many discounts should be triggered when you get a quote, but some may not be applied and must be asked about prior to receiving the credit.

  • Low Mileage – Low mileage vehicles may enable drivers to earn lower prices on the low mileage vehicles.
  • New Car Discount – Insuring a vehicle that is new can save up to 30% since newer vehicles are generally safer.
  • Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.
  • Policy Bundle Discount – If you can combine your homeowners and auto policy with one company you could get a discount of at least 10% off all policies.
  • Theft Deterent System – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying a policy and signing up on the web.
  • Discount for Life Insurance – Larger insurance carriers have a small discount if you purchase life insurance from them.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Accident Waiver – This one is not really a discount per se, but certain companies will let one accident slide before raising your premiums if you have no claims prior to being involved in the accident.

You can save money using discounts, but most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.

To find companies with the best discounts, follow this link.

First Step: Get free car insurance quotes

Many insurance companies allow consumers to get prices for coverage directly from their websites. Getting online rates can be done by anyone because you just enter the amount of coverage you want on the page. After the form is submitted, the system automatically retrieves reports for credit and driving violations and returns a price quote based on these and other factors. Online quotes makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively type in the same data can get tiresome after awhile. But it’s also necessary to do this if you want to find a better rate.

The smarter way to locate the lowest prices is to use a quote form that analyzes rates from many companies. The form is fast, reduces the work, and makes quoting online a lot less work. Once the form is submitted, it is quoted with multiple companies and you can pick any of the quotes that you receive. If you find a better price it’s easy to complete the application and buy the new coverage. This process takes just a few minutes to complete and can result in significant savings.

In order to compare rates now, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you replicate as shown on your current policy. Doing this assures you will receive a fair comparison based on the exact same insurance coverage.

Eight factors that affect insurance prices

Part of the car insurance buying process is learning the rating factors that help determine your car insurance rates. When consumers understand what determines premiums, this allows you to make educated decisions that could help you find much lower annual insurance costs. Lots of factors are used when pricing auto insurance. Some factors are common sense such as traffic violations, but others are less apparent such as your credit history or your commute time.

  • Maintain car insurance coverage – Allowing your coverage to lapse will be a sure-fire way to increase your renewal premiums. Not only will rates go up, not being able to provide proof of insurance will get you fines and jail time.
  • Liability limits should be high – Liability coverage will afford coverage when you are determined to be liable for personal injury or accident damage. Liability provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Cheaper car insurance rates with safer cars – Vehicles with high crash test scores cost less to insure. Safer cars reduce the chance of injuries and lower rates of occupant injuries means less money paid by your insurance company and more competitive rates for policyholders.
  • Advanced GPS tracking and theft deterrents – Purchasing a vehicle with advanced anti-theft systems can help lower your premiums. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your vehicle from being stolen.
  • High deductibles reduce rates – Deductibles for physical damage represent how much money you are required to pay before your car insurance pays a claim. Physical damage insurance, also called comprehensive and collision insurance, covers damage that occurs to your car. Some instances where coverage would apply would be rearending another vehicle, damage from fire, and damage from wind. The more you are required to pay out-of-pocket, the less money you will pay for car insurance on Ram van coverage.
  • Premiums impacted by vehicle usage – The more you drive every year the more it will cost to insure it. Many insurance companies charge rates partially by how you use the vehicle. Cars and trucks not used for work or commuting receive better premium rates than those used for commuting. Having an incorrect usage rating on your Ram Van is throwing money out the window. Ask your agent if your car insurance policy shows the proper vehicle usage.
  • Prices for men may be higher – Statistics demonstrate that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. Both genders have at-fault accidents in similar percentages, but the men tend to have more serious accidents. In addition to higher claims, males also get more serious tickets such as DWI and reckless driving.
  • Poor credit rating equals high premiums – Having a good credit rating is a large factor in determining premium rates. So if your credit history can use some improvement, you could pay less to insure your 1996 Dodge Ram Van by spending a little time repairing your credit. Drivers with excellent credit tend to be more responsible than drivers who have lower credit scores.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions might help in determining whether you could use an agent’s help.

  • How do I insure my teen driver?
  • Should I have combined single limit or split liability limits?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need an umbrella policy?
  • Do I need higher collision deductibles?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Coverages available on your auto insurance policy

Knowing the specifics of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages available from auto insurance companies.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses like nursing services, hospital visits, doctor visits, pain medications and surgery. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision protection

Collision coverage pays for damage to your Ram Van resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability insurance

This coverage will cover damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, medical services, repair costs for stationary objects, medical expenses and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Van.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, hitting a deer, rock chips in glass, hitting a bird and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Summing up your auto insurance search

Cost effective 1996 Dodge Ram Van insurance can be sourced online as well as from independent agents, and you should compare rates from both to get a complete price analysis. Some companies do not offer the ability to get quotes online and most of the time these smaller providers provide coverage only through independent agents.

We just covered many ways to shop for 1996 Dodge Ram Van insurance online. The key thing to remember is the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates are with some of the lesser-known companies. Smaller companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

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