2000 Dodge Ram Van Insurance Rates

Shopping for the most affordable auto insurance online can appear to be difficult for drivers that are not comfortable with quoting and price shopping on the internet. Because there are so many online companies, how can anyone efficiently compare every possible option in order to find lower auto insurance premiums?

Smart consumers take time to get comparison quotes before your next renewal because insurance prices are variable and change quite frequently. Just because you found the best deal for Ram van coverage two years ago there is a good chance you can find better rate quotes now. You’ll find a ton of advice on auto insurance out there, but you can learn some great ways to find cheap auto insurance.

Get cheaper insurance prices by understanding these factors

Many factors are part of the calculation when premium rates are determined. Some of the criteria are obvious like your driving record, although some other factors are less apparent such as whether you are married or your financial responsibility.A large part of saving on auto insurance is knowing some of the things that help determine the level of your policy premiums. If you have a feel for what determines base rates, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Traffic violations drive up rates – Drivers with clean records get better rates as compared to those with violations. Only having one driving citation can increase the cost of insurance by as much as thirty percent. Drivers who get serious citations like reckless driving, hit and run or driving under the influence may be required to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.
  • Maintain auto insurance coverage – Driving without insurance coverage in place is illegal and as a result your rates will increase for letting your coverage cancel without a new policy in place. And not only will your rates increase, not being able to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
  • Gender as a rate factor – Over time, data shows that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Both sexes have auto accidents in similar percentages, but males have costlier accidents. Not only are claims higher, but men get higher numbers of serious violations such as DWI and reckless driving.
  • Liability protection is cheap – A critical coverage on your policy, liability insurance will afford coverage if you are found liable for an accident. It provides for a legal defense starting from day one. It is affordable coverage compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Premiums and job – Did you know your auto insurance rates can be affected by your occupation? Occupations such as fire fighters, architects and dentists tend to pay the highest average rates because of intense work situations and lots of time spent at work. Conversely, jobs like scientists, engineers and performers pay lower than average rates for Ram van coverage.
  • Expect high rates for teens – Drivers with little experience have been known to be easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates. Adding a first-time driver to your policy can be quite pricey. Older insureds are viewed as being more responsible, cost insurance companies less in claims , and are generally more financially stable.
  • Prevent theft and reduce premiums – Buying a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms can help prevent your car from being stolen.

Car insurance discounts help slash rates

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that can drop the cost substantially. Certain credits will be shown at the time of purchase, but less common discounts must be asked for before they will apply. If you are not receiving all the discounts you deserve, you’re paying more than you need to.

  • Distant Student Discount – College-age children who live away from home to go to college and won’t have access to an insured vehicle can receive lower rates.
  • Paperwork-free – Certain car insurance companies will give you a small discount shop insurance online.
  • Military Rewards – Being on active duty in the military may lower your car insurance rates slightly.
  • Discounts for Federal Employees – Active or former government employment can earn a discount up to 10% for Ram van coverage depending on your car insurance provider.
  • Auto/Life Discount – Select car insurance companies reward you with a discounted rate on car insurance if you buy some life insurance too.
  • Discounts for Multiple Vehicles – Buying insurance for primary and secondary vehicles with the same company may reduce the rate for each vehicle.
  • Safe Driver Discounts – Insureds who avoid accidents could pay up to 40% less for Ram van coverage compared to accident prone drivers.
  • Student Discounts – This discount could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Discount for Low Mileage – Fewer annual miles on your Dodge could be rewarded with discounted prices on garaged vehicles.

It’s important to note that some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will lower your policy premium.

Some of the insurance companies that possibly offer most of the discounts above include:

If you want affordable insurance quotes, ask every company to give you their best rates. Discounts might not be available to policyholders in your area. If you would like to view insurance companies with significant discounts, click here.

Insurance coverage myths debunked

Respected companies like Allstate and Progressive endlessly run television and radio advertisements. They all make an identical promise that you’ll save big just by moving to their company. Is it even possible that every company can have lower policy pricing? It’s all in how they say it.

Many companies quote the lowest rates for the type of customer that will generate a profit. An example of a profitable insured could be a mature driver, has few claims, and has great credit. Someone who fits that profile is entitled to the best price and will also cut their rates if they switch.

Potential insureds who don’t qualify for these criteria will probably be forced to pay a higher rate which translates to the customer not purchasing. The ads say “people that switch” not “everybody who quotes” save that much when switching. This is how insurance companies can make those claims.

Different companies use different criteria so you need to get insurance quotes from several different companies. It’s not possible to predict which insurance coverage company will give you lower rates than your current company.

Which is the best insurance?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Why do I only qualify for high-risk insurance?
  • Should I bundle my homeowners policy with my auto?
  • Should I buy only the required minimum liability coverage?
  • Am I covered if hit by an uninsured driver?
  • Should I have combined single limit or split liability limits?
  • What if I don’t agree with a claim settlement offer?
  • What can I do if my company denied a claim?
  • Should I buy additional glass protection?
  • Does my personal policy cover me when driving out-of-state?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

Car insurance coverage breakdown

Understanding the coverages of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for liability

Liability insurance can cover injuries or damage you cause to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like emergency aid, structural damage and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

Collision coverage covers damage to your Ram Van resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, rolling your car, sustaining damage from a pot hole, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, damage from a tornado or hurricane, damage from getting keyed, rock chips in glass and fire damage. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for funeral costs, nursing services and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Ram Van.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

The bottom line

In this article, we covered many tips how you can reduce 2000 Dodge Ram Van insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of getting cheaper insurance. You may even discover the lowest prices come from the smaller companies.

Consumers change insurance companies for a variety of reasons including poor customer service, questionable increases in premium, not issuing a premium refund or even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company is easier than you think.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. In many cases, someone dropped physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

More detailed insurance information can be read by following these links: