2002 Dodge Ram Wagon Car Insurance Cost – 10 Savings Tips

Paying for overpriced Dodge Ram Wagon insurance can dwindle your monthly budget and make it impossible to make ends meet. Comparing cost estimates is an excellent way to lower your bills every month.

You have so many car insurance companies to insure vehicles with, and although it’s nice to have a selection, so many choices can make it hard to compare rates and find the lowest cost car insurance.

Cheapest auto insurance quotes

To find low cost car insurance quotes, there are several ways of comparing rates from companies that offer auto insurance in your state. The simplest method to find affordable Dodge Ram Wagon insurance rates is to get quotes online. This is quite simple and can be completed in several different ways.

  • The fastest way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This type of form prevents you from having to do repetitive form submissions for every auto insurance company. Just one form gets you coverage quotes from many national carriers.
  • A harder way to shop for auto insurance online requires a trip to each company’s website to complete a price quote. For sake of this example, we’ll pretend you need rates from Allstate, Safeco and Liberty Mutual. In order to compare rates, you need to take the time to go to each site and punch in your information repeatedly, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  • The final way to find lower rates is driving to different agent offices. The ability to get quotes online eliminates the middleman unless you’re the type of person who wants the professional abilities of a licensed agent. It is possible to find lower rates online but have your policy serviced through an agent.

Compare rates however you want, just ensure you’re using identical coverage information for each comparison quote. If the quotes have different data it will be nearly impossible to make a fair comparison for your Dodge Ram Wagon. Slightly different insurance coverages may result in a large different in cost. Just keep in mind that obtaining a wide range of quotes provides better odds of finding the best rates. Some insurance companies are not set up to provide quotes online, so it’s important to also get price estimates on coverage from those companies, too.

Get affordable car insurance with discounts

Insuring your fleet can be pricey, but you might find some hidden discounts that can help lower your rates. A few discounts will automatically apply when you purchase, but occassionally some discounts must be asked about prior to receiving the credit.

  • Early Switch Discount – Some insurance companies provide a discount for buying a policy prior to the expiration date on your current policy. This discount can save up to 10%.
  • Drive Less and Save – Low annual miles could earn better rates on cars that stay parked.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
  • Good Student Discount – This discount can save 20 to 25%. Most companies allow this discount until age 25.
  • More Vehicles More Savings – Purchasing coverage when you have several vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less for Ram Wagon coverage than their less cautious counterparts.
  • College Student Discount – Older children who attend college more than 100 miles from home and leave their car at home could qualify for this discount.
  • Paperwork-free – Many larger companies will provide an incentive for buying your policy on your computer.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle up could save 15% on the medical payments or PIP coverage costs.
  • Save over 55 – Mature drivers could receive better car insurance rates for Ram Wagon coverage.

One last thing about discounts, most discounts do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.

Popular car insurance companies and the discounts they provide are shown below.

  • GEICO offers premium reductions for federal employee, good student, membership and employees, multi-policy, anti-lock brakes, seat belt use, and multi-vehicle.
  • Mercury Insurance discounts include good student, ease of repair, multi-car, type of vehicle, low natural disaster claims, and anti-theft.
  • Farmers Insurance may offer discounts for switch companies, teen driver, youthful driver, multi-car, early shopping, good student, and homeowner.
  • Auto-Owners Insurance includes discounts for group or association, multi-policy, safe vehicle, safe driver, and paperless.
  • Liberty Mutual offers discounts including multi-policy, newly married, good student, teen driver discount, and newly retired.
  • SAFECO has discounts for homeowner, anti-lock brakes, teen safety rewards, accident prevention training, and anti-theft.
  • Progressive has savings for homeowner, online signing, online quote discount, multi-vehicle, good student, and multi-policy.
  • USAA may have discounts that include multi-policy, annual mileage, multi-vehicle, new vehicle, and military installation.

When getting a coverage quote, ask all companies you are considering to give you their best rates. Some credits might not be available to policyholders in your area. To find car insurance companies with the best car insurance discounts, click here to view.

Tailor your insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

  • Should I put collision coverage on all my vehicles?
  • When should I buy a commercial auto policy?
  • Is business equipment covered while in my vehicle?
  • What is the ISO rating for a 2002 Dodge Ram Wagon?
  • Does my car insurance cover rental cars?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need added coverage for expensive stereo equipment?
  • What is medical payments coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Big names are not always cheapest

Insurance coverage companies such as State Farm and Allstate continually stream television and radio advertisements. All the companies have a common claim that drivers will save a bundle if you just switch to them. It sounds good, but how can they all lower your prices?

Different companies have a preferred profile for the type of driver that will generate a profit. An example of a driver they prefer should be a married female, carries full coverage, and drives newer vehicles. A customer getting a price quote who meets those qualifications is entitled to the best price and have a good chance to save when switching.

Drivers who fall short of this stringent profile will get more expensive rates and this results in the driver buying from a lower-cost company. If you listen closely, the ads state “drivers that switch” not “all people who quote” will save that much if they switch. That’s why companies can advertise the savings. Because every company is different, you need to do a price quote comparison at every renewal. It’s impossible to know which insurance companies will have the best car insurance rates.

Auto insurance 101

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Ram Wagon.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive insurance

This 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 coverage pays for things like rock chips in glass, hail damage, theft, fire damage and hitting a deer. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses like EMT expenses, doctor visits, funeral costs, nursing services and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

This coverage pays for damage to your Ram Wagon resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, sideswiping another vehicle, crashing into a building, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as bail bonds, structural damage, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Never pay more for less

When you buy car insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where someone dropped uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

Lower-priced insurance is possible on the web in addition to many insurance agents, so you should compare both to have the best selection. Some insurance companies don’t offer online rate quotes and many times these smaller companies work with independent agents.

You just learned quite a bit of information on how to compare 2002 Dodge Ram Wagon insurance car insurance rates online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates are with the smaller companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

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