1998 Dodge Ram Van Insurance Quotes – 8 Tips for Cheapest Rates

Being forced to pay for pricey car insurance premiums can dwindle your family’s budget and possibly require postponing other expenditures. Comparing price quotes is free, only takes a few minutes, and is a good way to lower your bills every month.

Many car insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurers to find the absolute lowest cost out there.

Consumers should take time to compare rates quite often because prices change quite often. Even if you got the best price on Ram van coverage two years ago you will most likely find a better rate today. Don’t believe everything you read about car insurance online but by reading this article, you’re going to learn some guaranteed methods to save money.

How to find cheap insurance coverage

When looking for low cost auto insurance quotes, there are a couple ways to get quotes from different insurance companies. One of the best ways to compare rates consists of shopping online. It’s really quite simple and can be done in a couple minutes as outlined below.

  1. The fastest and easiest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This style of form keeps you from doing multiple quote forms for each company you want a rate for. A single form will get you price quotes from multiple low-cost companies.
  2. A different way to compare rate quotes is going to the website for every company you want to comare and repeat the quote process. For example, let’s say you want to compare rates from Farmers, Allstate and Progressive. You would have to spend time going to each site individually and repeatedly type in your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The old school way to shop rates is to drive around to each insurance agency near you. Quoting online can eliminate the need for a local agent unless you’re the type of person who wants the peace of mind that you can only get from talking to an agent. It is possible to get the lowest quotes online but have your policy serviced through an agent.

You can choose any of those ways to find more affodable coverage, but try to use exactly the same coverage information for each comparison quote. If you are comparing different deductibles it will be very difficult to get a fair rate comparison. Even a minor difference in coverages can result in a big premium difference. Just remember that comparing all the rates in your area will enable you to find a better price.

Take these eight policy discounts and save

The cost of insuring your cars can be expensive, but you may be missing some discounts that many consumers don’t even know exist. Some trigger automatically when you quote, but less common discounts must be requested specifically before you get the savings.

  • Discounts for Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Ram van coverage as compared to drivers with claims.
  • Government Employee Discount – Active or former government employment could qualify for a slight premium decrease on Ram van coverage depending on your company.
  • Early Switch Discount – A few larger companies give discounts for renewing your policy before your current policy expires. This can save 10% or more.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will qualify for a discount on a auto insurance quote.
  • Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a lower premium rate if you buy some life insurance too.
  • Low Mileage – Low mileage vehicles could qualify for substantially lower premium rates.
  • College Student – Any of your kids who live away from home to go to college and do not take a car to college could get you a discount.
  • Memberships – Belonging to qualifying clubs or civic groups may earn a discount on insurance coverage.

One thing to note about discounts is that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. So even though you would think you would end up receiving a 100% discount, that’s just not realistic.

The best insurance coverage companies and some of the premium reductions they offer are included below.

  • State Farm may offer discounts for good student, defensive driving training, good driver, accident-free, and passive restraint.
  • Progressive may have discounts that include online signing, multi-policy, continuous coverage, multi-vehicle, and homeowner.
  • Travelers may include discounts for hybrid/electric vehicle, continuous insurance, early quote, driver training, multi-car, multi-policy, and IntelliDrive.
  • American Family offers discounts for bundled insurance, TimeAway discount, early bird, good student, and Steer into Savings.
  • Liberty Mutual has discounts for new graduate, good student, multi-car, new move discount, safety features, hybrid vehicle, and teen driver discount.

If you want cheap auto insurance quotes, ask all the companies how you can save money. Some credits may not apply in your area. If you would like to see a list of insurers that offer the discounts shown above, click this link.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

  • Is rental equipment covered for theft or damage?
  • Am I getting all the discounts available?
  • Am I covered when driving on a suspended license?
  • What is the ISO rating for a 1998 Dodge Ram Van?
  • What companies insure drivers after a DUI or DWI?
  • What is no-fault insurance?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Detailed coverages of your car insurance policy

Having a good grasp of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by car insurance companies.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Van.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability

This can cover damages or injuries you inflict on a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see 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 insurance covers claims like bail bonds, attorney fees and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for prosthetic devices, nursing services and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, hitting a parking meter, sustaining damage from a pot hole, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

More effort can pay off

Discount 1998 Dodge Ram Van insurance is available both online in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some companies do not offer internet price quotes and usually these smaller providers only sell through independent agents.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There are too many instances where an insured cut physical damage coverage and learned later that it was a big mistake. The aim is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

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