2001 Dodge Ram Wagon Car Insurance Rates – 5 Policy Discounts

If you’re trying to find cheaper insurance online, are you frustrated by the sheer number of auto insurance companies that you can choose from? You have such a vast assortment of companies available that it can easily turn into a real difficult job to compare auto insurance rates.

Finding more affordable coverage is easy if you know what you’re doing. Basically, every vehicle owner who shops for car insurance most likely will be able to save money. Nevertheless, car owners must learn how big insurance companies market insurance on the web because it can help you find the best coverage.

Affordable auto insurance quotes

Shopping for lower auto insurance rates can be exhausting if you aren’t aware of the most efficient way. You could spend the better part of a day driving to agents in your area, or you could use online quotes to get prices fast.

Many companies belong to an insurance system that allows shoppers to submit their information once, and at least one company provides a quote based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

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The one disadvantage to getting quotes like this is you can’t choose which carriers to get pricing from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click to view list.

Take whichever approach you prefer, but make darn sure you compare the same information on every quote you get. If you compare unequal deductibles or liability limits it will be nearly impossible to truly determine the lowest rate. Having just a slight variation in limits could throw off the whole comparison. And when quoting auto insurance, remember that quoting more helps increase your odds of locating more affordable rates.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to make the same claim that drivers can save some big amount if you move your car insurance coverage to their company. How do they all say the same thing? It’s all in the wording.

All the different companies quote their cheapest rates for a prospective insured that is profitable for them. For instance, this type of driver might be a married female, has other policies, and drives less than 5,000 miles a year. Any customer that hits that “sweet spot” receives the best auto insurance rates as well as pay quite a bit less when switching companies.

Potential customers who fall short of this ideal profile will be quoted a higher rate which results in the customer buying from a different company. The ad wording is “customers that switch” not “everyone who quotes” save that much when switching. That’s the way insurance companies can make claims that they all have the best auto insurance rates.

Because each company has a different risk profile, it is so important to do a rate comparison at every renewal. Because you never know the company that will have the best rates for your profile.

These five discounts can slash car insurance rates

Buying car insurance is not cheap, but you might find some hidden discounts that can help lower your rates. Some of these disounts will be visible at the time of quoting, but some must be requested specifically before you get the savings.

  • Discounts for Good Drivers – Drivers who avoid accidents can save up to 40% or more on their car insurance quote on Ram Wagon insurance than less cautious drivers.
  • Multi-car Discount – Purchasing coverage when you have all your vehicles with the same car insurance company may reduce the rate for each vehicle.
  • Home Ownership Discount – Just owning your own home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save up to 15% off the medical payments premium.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance.

You can save money using discounts, but some credits don’t apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will help lower your policy cost.

Insurance companies that may offer quotes with some of the discounts shown above are:

If you need affordable car insurance quotes, ask each insurance company what discounts are available to you. Savings might not be available to policyholders in your area.

When do I need an agent’s advice?

When buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your insurance needs will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • Are my friends covered when driving my 2001 Dodge Ram Wagon?
  • Do all my vehicles need collision coverage?
  • Am I covered if I hit a deer?
  • Why do I need rental car insurance?
  • Am I covered by my spouse’s policy after a separation?
  • What if I total my 2001 Dodge Ram Wagon and owe more than it’s worth?
  • What is no-fault insurance?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Car insurance coverages for a Dodge Ram Wagon

Understanding the coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision – This coverage pays for damage to your Ram Wagon resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, hitting a parking meter, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as ambulance fees, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive coverages – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from flooding and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2001 Dodge Ram Wagon.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Liability coverages – This coverage can cover damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as bail bonds, funeral expenses, structural damage and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Be a penny pincher

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. The goal is to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

Drivers switch companies for many reasons like high rates after DUI convictions, not issuing a premium refund, delays in paying claims or extreme rates for teen drivers. Whatever your reason, switching companies can be pretty painless.

Budget-friendly insurance coverage can be sourced online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not offer internet price quotes and many times these regional insurance providers sell through independent agents.

More detailed insurance coverage information can be found in the articles below: