1997 Dodge Ram Van Insurance Quotes – 10 Savings Tips

If you are a novice to online insurance shopping, most likely you are bewildered thanks to the vast number of companies vying for business.

Finding insurance coverage

Most companies such as State Farm, Allstate and GEICO make it easy to get prices direct online. Comparing prices online is possible for anyone because you just enter the amount of coverage you want into the quote form. When complete, the company’s rating system makes automated requests for information on your driving record and credit history and generates a price.

Online price quotes simplifies rate comparisons, but the process of having to visit each company’s website and repetitively complete many quote forms is repetitive and time-consuming. But it’s necessary to do this if you want to find a better rate.

Keep reading for an easier way to compare prices

A quicker way to lower your rates is to use a quote form to return rates from multiple companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison much more enjoyable and efficient. After your information is entered, your coverage is rated and you can select any or none of the quote results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process takes less than 15 minutes and can result in significant savings.

If you want to get comparison pricing now, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you replicate coverages and limits as close as possible to your current policy. This guarantees you are getting a rate comparison using the same coverage and limits.

Discounts can really help lower rates

Some insurers don’t always advertise the entire discount list in an easy-to-find place, so the list below details both the well known and the more hidden discounts that you may qualify for. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Low Mileage Discounts – Low mileage vehicles could be rewarded with lower premium rates due to less chance of an accident.
  • Federal Government Employee – Being employed by or retired from a federal job may qualify for a discount when you quote insurance coverage on Ram van insurance with some insurance companies.
  • Buy New and Save – Buying a new car model can save you some money because new model year vehicles have to meet stringent safety requirements.
  • Senior Citizens – Drivers that qualify as senior citizens could receive reduced rates on Ram van insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.
  • Drivers Education – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Paperless Signup – Many insurance companies will give you a small discount for completing your application on their website.
  • Accident Waiver – Not really a discount, but some companies like Allstate and GEICO may permit one accident before hitting you with a surcharge if you have no claims for a particular time prior to the accident.
  • Telematics Data Discounts – People who choose to allow driving data collection to analyze when and where they use their vehicle remotely such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.
  • Clubs and Organizations – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.

One thing to note about discounts is that most discounts do not apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that you could get a free insurance policy, it just doesn’t work that way. Any qualifying discounts will help reduce the premium cost.

Companies that may offer quotes with these money-saving discounts possibly include:

Check with all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier might not be offered on policies in every state. To choose insurance companies that offer the discounts shown above, click here.

Will just any policy work for me?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • When should my teen driver be added to my policy?
  • Does my personal policy cover me when driving out-of-state?
  • How much liability insurance is required?
  • How can I force my company to pay a claim?
  • When should I drop full coverage on my 1997 Dodge Ram Van?
  • Do I really need UM/UIM coverage?
  • Is my trailer covered?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

What insurance coverages do you need?

Having a good grasp of insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as surgery, nursing services, ambulance fees and chiropractic care. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Van.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are set the same as your liablity limits.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical expenses, medical services, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, vandalism and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

Collision insurance covers damage to your Ram Van from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, crashing into a ditch, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Quote often and quote early

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your aim should be to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

Drivers change insurance companies for any number of reasons including policy non-renewal, questionable increases in premium, unfair underwriting practices and even high rates after DUI convictions. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

We’ve covered some good ideas how to reduce 1997 Dodge Ram Van insurance premium rates online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding the cheapest insurance coverage. Consumers could even find that the lowest premium rates come from a company that doesn’t do a lot of advertising.

For more information, link through to the articles below: