Lower Your 1997 Dodge Ram Wagon Car Insurance Rates

Looking for lower auto insurance rates for your Dodge Ram Wagon? When shopping for more affordable insurance, do you get frustrated by the sheer number of auto insurance providers that you can choose from? Many other drivers are as well. You have such a vast assortment of providers available that it can turn into a difficult mission to lower your rates.

It is always a good idea to get comparison quotes as often as possible because prices fluctuate regularly. Just because you had the lowest quotes for Ram Wagon insurance six months ago there may be better deals available now. You can find a lot of misleading information regarding auto insurance online but in a few minutes you can learn some good information on how to save money.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Although consumers need to learn the way companies price online insurance and use this information to your advantage.

Discounts to earn lower-cost insurance rates

Insurance is neither fun to buy or cheap, but you may be missing some discounts that you may not even know about. Certain discounts will be triggered automatically when you purchase, but a few need to be specially asked for before you will receive the discount. If you check and find you aren’t receiving every discount you deserve, you could be saving more on your insurance.

  • Early Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you could save 5% or more.
  • Drivers Ed for Students – Teen drivers should complete a driver education course if offered at their school.
  • Safety Course Discount – Completing a safe driver class could save 5% or more and make you a better driver.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can reduce accidents so you can save 10 percent or more.
  • Discount for Home Ownership – Just being a homeowner can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
  • Claim Free – Drivers who stay claim-free can save substantially compared to bad drivers.
  • Senior Citizens – Drivers that qualify as senior citizens can get reduced rates for Ram Wagon insurance.

Don’t be surprised that most discounts do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free insurance policy, companies don’t profit that way.

If you would like to see a list of companies that offer multiple discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique.

For instance, these questions might help in determining if your situation would benefit from professional advice.

  • Do I need medical payments coverage since I have good health insurance?
  • If I drive on a suspended license am I covered?
  • At what point should I drop full coverage?
  • Is my 1997 Dodge Ram Wagon covered for flood damage?
  • When should my teen driver be added to my policy?
  • Why am I required to buy high-risk coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I crash into my own garage door?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Ads can be misleading

Respected companies like 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the ads make the point that you’ll save big if you move your coverage. How is it possible that every company can offer you a better deal?

Companies look for specific characteristics for the right customer that will add to their bottom line. An example of this type of insured could be over the age of 35, has never had a claim, and has excellent credit. Any customer that matches those criteria will get the preferred prices and will probably cut their rates if they switch.

Consumers who are not a match for the requirements may receive higher rates which leads to the prospect going elsewhere. The ads state “people who switch” not “everyone who quotes” save that much money. That’s the way insurance companies can advertise the savings. That is why you really should get a wide range of price quotes. It is impossible to predict which insurance company will have the best prices for your profile.

Information about specific coverages

Learning about specific coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as dental work, doctor visits, nursing services, X-ray expenses and surgery. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability coverages

This coverage provides protection from damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like pain and suffering, court costs, bail bonds, legal defense fees and medical services. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Dodge Ram Wagon.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

This will pay to fix damage to your Ram Wagon caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, crashing into a ditch, scraping a guard rail, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hitting a bird, fire damage, falling objects and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Smart shoppers get results

Budget-conscious 1997 Dodge Ram Wagon insurance is definitely available online and also from your neighborhood agents, so you need to shop car insurance with both so you have a total pricing picture. A few companies do not offer online quoting and usually these regional insurance providers work with independent agencies.

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability coverage limits and discovered at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

Drivers switch companies for any number of reasons including poor customer service, lack of trust in their agent, delays in responding to claim requests or questionable increases in premium. It doesn’t matter why you want to switch choosing a new company is less work than it seems.

Additional information