Cheap 1999 Dodge Ram Van Insurance Rates

Trying to find the cheapest car insurance rates for your Dodge Ram Van? Are you drained from scraping nickels together to buy car insurance? You are no different than many other consumers. Lots of auto insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to get the lowest cost out there.

Smart consumers take time to get comparison quotes yearly since insurance rates are variable and change quite frequently. Even if you think you had the best rate on Ram van coverage at your last renewal a different company probably has better prices today. There is lot of inaccurate information about car insurance on the internet, but by reading this article, you’re going to learn a bunch of ideas how to stop overpaying for insurance.

The cheapest auto insurance

Cutting your auto insurance rates is not rocket science. All that’s required is to invest a few minutes to compare rate quotes provided by online insurance companies. It’s super easy and can be done in a couple of different ways.

The fastest way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This style of form saves time by eliminating separate quotation requests for every prospective company. Completing one form gets you price quotes from several companies.

A different way to shop for auto insurance online requires a visit to each individual company website and fill out a new quote form. For example, let’s say you want to compare rates from Liberty Mutual, Safeco and State Farm. To get rate quotes you would need to spend time on each company’s site to enter the same coverage data repeatedly, and that’s why the first method is more popular. For a list of companies in your area, click here.

If you have time to kill, the last method to find and compare rates is driving around to all the different insurance agencies. The fact that you can get quotes online makes this process obsolete unless you want the trained guidance of a local agency. However, consumers can compare the best prices online but buy the policy through an agent.

Whichever way you choose to compare rates, ensure you are comparing the exact same coverage limits and deductibles with each company. If you use different values for each quote it’s impossible to find the best deal for your Dodge Ram Van.

Get cheap insurance coverage quotes with discounts

Car insurance is not cheap, but companies offer discounts that could drop your premiums quite a bit. Certain discounts will be applied at quote time, but once in a while a discount must be inquired about before you will receive the discount.

• Government Employee Discount – Being employed by or retired from a federal job could cut as much as 10% off on Ram van coverage with some insurance coverage companies.
• Life Insurance – Select insurance coverage companies reward you with a discount if you purchase a life insurance policy as well.
• Theft Deterent – Anti-theft and alarm system equipped vehicles are stolen less frequently and earn discounts up to 10% off your insurance quote.
• Early Signing – A few larger companies offer discounts for buying a new policy prior to the expiration date on your current policy. Ten percent is about the average savings.
• ABS Brakes – Cars with ABS braking systems or traction control are safer to drive and qualify for as much as a 10% discount.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if it’s offered in school.
• First Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive, Allstate, and GEICO permit an accident without the usual rate increase as long as you don’t have any claims for a specific time period.

One thing to note about discounts is that many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So even though it sounds like you can get free auto insurance, insurance companies wouldn’t stay in business.

To see a list of insurance companies with discount rates, click this link.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

• Who is covered when they drive my 1999 Dodge Ram Van?
• What happens if I owe more than my 1999 Dodge Ram Van is worth?
• Are my friends covered when driving my car?
• Am I covered when delivering products for my home-based business?
• Does coverage extend to my business vehicle?
• Is my teen driver covered when they drive my company car?
• What is high-risk coverage and where do I buy it?
• Can I rate high risk drivers on liability-only vehicles?
• Is my 1999 Dodge Ram Van covered for smoke damage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Car insurance coverages for a Dodge Ram Van

Understanding the coverages of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Collision insurance

This coverage covers damage to your Ram Van resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, hitting a bird and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

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

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as structural damage, medical services and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills such as pain medications, prosthetic devices, doctor visits, dental work and funeral costs. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.