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Dodge Ram Van Insurance Cost

Drivers have lots of options when shopping for car insurance for your Dodge vehicle. You can get prices from an insurance agent or go online to check prices from multiple insurance companies. Finding cheaper auto insurance on the web can be fast and easy, plus you may find lower rates.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of online companies selling insurance. Lowering your Ram Van insurance rates isn't really that difficult. You just need to take a few minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by the following

Insurance premiums paid to insure a Dodge Ram Van will vary greatly depending on several factors. Including but not limited to:

  • Higher performance Ram Van vehicles cost more
  • Your accident history
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Your birth date
  • Having a spouse can save money
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • Having current coverage saves
  • Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older Dodge models so the cost to replace them will push premiums up. On the flip side, newer vehicles have more advanced features like a telematics system, blind-spot warning system, and sideview assist mirrors so those may give discounted rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Ram Van from the list below.

Liability car insurance

This coverage can cover damage or injury you incur to a person or their property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as much as you can afford.

Collision insurance

This covers damage to your Dodge from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to get cheaper Ram Van insurance cost.

Comprehensive auto insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Ram Van Insurance Rates?