1999 Dodge Ram Wagon Car Insurance Quotes

Are you confused by the crazy number of insurance coverage companies? Many other drivers are too. There are such a large number of options that it can easily become a ton of work to find lower insurance coverage rates.

It is always a good idea to compare premium rates before your policy renews due to the fact that insurance prices are constantly changing. Even if you got the lowest rates for Ram Wagon insurance a couple years back you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you how to use online quotes to reduce your cost while increasing coverage.

How to find the cheapest insurance coverage

There are a lot of ways to shop for insurance coverage, but one way is more efficient than others. You could waste a few hours talking to local insurance agents in your area, or you can utilize online quoting for quick rates.

Many popular insurance companies enroll in a system that enables customers to enter their coverage request one time, and every company returns a competitive quote determined by their information. This system prevents you from having to do quote forms to each company.

To participate in this free quote system, click here to open in new window.

The one downside to doing it this way is that consumers can’t choose the insurers to receive prices from. So if you want to choose specific providers to request quotes from, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use identical quote data for every company. If your comparisons have differing limits it’s impossible to make an equal comparison. Slightly different insurance coverages can make a big difference in price. It’s important to know that comparing a large number of companies helps improve the odds of finding lower pricing.

Get cheaper insurance rates with discounts

Some insurance providers don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of a few of the more common as well as some of the hidden insurance savings.

  • Theft Deterent System – Anti-theft and alarm system equipped vehicles are stolen less frequently so companies will give you a small discount.
  • Early Renewal Discounts – Some companies give discounts for renewing your policy prior to the expiration date on your current policy. This can save 10% or more.
  • Senior Citizens – Drivers over the age of 55 could receive a small decrease in premiums for Ram Wagon insurance.
  • Driver Education Discount – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Savings for New Vehicles – Putting coverage on a new car can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
  • Life Insurance – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy life insurance.
  • Fewer Miles Equal More Savings – Driving fewer miles could earn better rates on cars that stay parked.
  • Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.
  • Defensive Driver – Passing a driver safety class is a good idea and can lower rates and also improve your driving technique.

It’s important to understand that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you could get a free insurance policy, company stockholders wouldn’t be very happy.

A few popular companies and some of their more popular discounts can be found below.

  • State Farm offers discounts for passive restraint, good student, student away at school, accident-free, and safe vehicle.
  • Progressive offers discounts including good student, multi-policy, continuous coverage, multi-vehicle, online signing, online quote discount, and homeowner.
  • Travelers offers premium reductions for save driver, IntelliDrive, hybrid/electric vehicle, payment discounts, student away at school, continuous insurance, and new car.
  • American Family policyholders can earn discounts including TimeAway discount, bundled insurance, Steer into Savings, early bird, and multi-vehicle.
  • Liberty Mutual discounts include multi-policy, new move discount, hybrid vehicle, preferred payment discount, newly married, and good student.

Before you buy a policy, ask each company the best way to save money. Savings may not apply in your area. To see a list of insurance companies that provide some of the discounts listed above, click here to view.

Save money with these tips

Smart consumers have a good feel for some of the things that are used to determine the level of your policy premiums. If you have some idea of what determines premiums, this helps enable you to make changes that could help you find lower rates.

  • Obey driving laws and save – Good drivers get better rates as compared to careless drivers. Even a single speeding ticket or other violation can increase rates by twenty percent. Drivers who get multiple tickets such as DUI or willful reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to legally drive a vehicle.
  • How many coverages with the same company – Most larger insurance companies allow lower prices for people that buy multiple policies in the form of a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you’re getting this discount it’s in your best interest to compare other insurance prices to verify if the discount is saving money. Consumers may find better rates by buying insurance from a different company.
  • Age of drivers impacts rates – More experienced drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.Teen drivers are statistically proven to be easily distracted when driving so they pay higher insurance rates.
  • Remove unneeded add-on coverages – There are a ton of additional coverages that sound like a good idea at the time on your insurance policy. Insurance for coverage for rental cars, towing, and extra equipment coverage are some examples. They may seem good when talking to your agent, but if you don’t need them eliminate them to save money.
  • Safer vehicles cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safe vehicles reduce the chance of injuries and any reduction in injury severity means your insurance company pays less passed on to you as lower rates. If the Dodge Ram Wagon is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Marriage is a factor – Walking down the aisle can actually save you money on your policy. Having a significant other may mean you are more responsible and statistics prove being married results in fewer claims.
  • Why do you need liability coverage? – The liability coverage on your policy provides coverage if ever you are found liable for damages caused by your negligence. Liability provides you with a defense in court to defend your case. It is affordable coverage when compared to the cost of physical damage coverage, so do not skimp.
  • How do annual miles impact costs? – The higher the mileage driven each year the higher your rates will be. Many insurance companies charge rates based upon how you use the vehicle. Cars and trucks that have low annual miles receive lower rates than those used for commuting. It’s a smart idea to ensure your insurance declarations sheet correctly shows the correct usage for each vehicle. Incorrect rating for your Ram Wagon can cost quite a bit.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if you would benefit from professional advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Where can I get insurance after a DUI in my state?
  • Are my friends covered when driving my car?
  • Does car insurance cover theft of personal property?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I buy full coverage?
  • Am I covered when driving a rental car?
  • Am I covered when driving on a suspended license?
  • How do I buy GAP insurance?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

But the ad said I’d save 15% in 15 minutes!

Auto insurance providers like Progressive, Allstate and GEICO regularly use ads on TV and radio. All the ads make the point that people will save if you move your policy. Is it even possible that every company can lower your prices? This is the trick they use.

Insurance companies give the best rates for the right customer that earns them the most money. One example of this type of driver might be a married female, owns their home, and does not commute to work. A driver who matches those parameters will get low prices and have a good chance to cut their rates substantially.

Consumers who fall short of these standards may be forced to pay higher rates and this can result in business going elsewhere. The ads state “people that switch” not “everyone that quotes” save that kind of money. That’s why companies can make those claims.

Because of this risk profiling, it’s extremely important to quote coverage with many companies. It’s not possible to predict which company will give you the biggest savings.

Coverages available on your policy

Knowing the specifics of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things like attorney fees, pain and suffering, medical services and court costs. How much coverage you buy is up to you, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1999 Dodge Ram Wagon.

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 should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses for pain medications, hospital visits, funeral costs and ambulance fees. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, hitting a parking meter, sustaining damage from a pot hole, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Better coverage you can count on

People change insurance companies for many reasons like extreme rates for teen drivers, lack of trust in their agent, not issuing a premium refund and delays in responding to claim requests. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.

In this article, we covered a lot of techniques to get a better price on 1999 Dodge Ram Wagon insurance. The key thing to remember is the more companies you get prices for, the better chance you’ll have of finding low cost car insurance. Drivers may discover the best premium rates are with a company that doesn’t do a lot of advertising.

Some insurance providers may not provide rate quotes online smaller providers provide coverage only through independent agencies. Low-cost 1999 Dodge Ram Wagon insurance is attainable from both online companies as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from.

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