Save on 1996 Dodge Ram Wagon Insurance Cost

Searching for cheaper insurance rates for your Dodge Ram Wagon? Nobody that owns a car loves paying for insurance, especially when they are aware that they are paying too much. Many insurance companies vie for your insurance dollar, so it’s not easy to compare every insurer to find the cheapest price

If you are insured now or are looking for a new policy, you can learn to reduce the price you pay while maintaining coverages. Buying car insurance is quite easy. Drivers just need to understand the best way to buy insurance coverage online.

Car insurance policy discounts

Not too many consumers would say car insurance is affordable, but discounts can save money and there are some available that can help lower your rates. Larger premium reductions will be automatically applied when you get a quote, but some discounts are required to be inquired about in order for you to get them.

  • Telematics Data Discounts – Insureds who allow data collection to analyze driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.
  • Use Seat Belts – Forcing all vehicle occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Senior Discount – Drivers over the age of 55 may qualify for a small discount on rates for Ram Wagon insurance.
  • No Accidents – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance coverage quote when compared with drivers with a long claim history.
  • Defensive Driver – Taking a course teaching defensive driver skills may get you a small discount and make you a better driver.

Drivers should understand that most discount credits are not given the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. Even though it appears you can get free auto insurance, you’re out of luck.

Popular car insurance companies and their possible discounts are included below.

  • State Farm policyholders can earn discounts including multiple autos, Steer Clear safe driver discount, passive restraint, safe vehicle, and student away at school.
  • Nationwide has savings for Farm Bureau membership, family plan, accident-free, good student, business or organization, and anti-theft.
  • GEICO may have discounts that include defensive driver, seat belt use, multi-policy, membership and employees, federal employee, air bags, and anti-theft.
  • AAA discounts include multi-policy, pay-in-full, good driver, anti-theft, multi-car, AAA membership discount, and education and occupation.
  • 21st Century may include discounts for driver training, student driver, defensive driver, 55 and older, theft prevention, good student, and early bird.
  • The Hartford has discounts for bundle, anti-theft, vehicle fuel type, air bag, and driver training.

It’s a good idea to ask each insurance company to apply every possible discount. Depending on the company, some discounts may not apply to policyholders everywhere.

How do I know if I need professional advice?

When it comes to buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you might need professional guidance.

  • Are my friends covered when driving my car?
  • Do I have newly-aquired coverage?
  • When would I need additional glass coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Will my rates increase for filing one claim?
  • What are the financial responsibility laws in my state?
  • How do I insure my teen driver?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Big names are not always cheapest

Consumers constantly see and hear ads that claim the lowest auto insurance rates from companies such as State Farm and Allstate. They all seem to seem to make the promise about savings if you get a free insurance coverage quote and switch your coverage.

Is it even possible that every company can give you a lower rate? Here is the trick they use.

All companies have specific characteristics for the type of driver that will add to their bottom line. One example of this type of insured should be between the ages of 30 and 45, has had continuous coverage, and has excellent credit. Any person that matches those criteria will most likely get cheap premium rates and have a good chance to save when switching.

People who fall short of this ideal profile may receive higher rates which translates to the driver buying from a lower-cost company. If you listen to the ad wording, they say “people that switch” not “all people who quote” save that much when switching. That’s why insurance companies can state the savings. This emphasizes why you need to get insurance coverage quotes from several different companies. It is impossible to guess the company that will provide you with the cheapest premium rates.

Specific coverages for a Dodge Ram Wagon

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Wagon.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as chiropractic care, ambulance fees and surgery. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability insurance

This will cover damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as attorney fees, emergency aid and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision coverage

This pays for damage to your Ram Wagon from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, driving through your garage door, scraping a guard rail, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance will pay to fix 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 coverage protects against things such as hail damage, rock chips in glass, damage from a tornado or hurricane, a broken windshield and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Have the Midas touch

Some insurance providers don’t offer online price quotes and these small insurance companies only sell through independent agencies. Cheap 1996 Dodge Ram Wagon insurance is attainable both online as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.

As you prepare to switch companies, do not reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice collision coverage and learned later that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

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