View 1993 Dodge RAM 150 Car Insurance Rates

No one in their right mind likes having to buy car insurance, in particular when the cost is way too high.

Companies like State Farm, Allstate, GEICO and Progressive continually hit you with fancy advertisements and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It’s smart to take a look at other company’s rates occasionally because prices change quite often. Just because you had the best rates on RAM 150 coverage a few years ago a different company probably has better rates today. Ignore everything you know about car insurance because we’re going to demonstrate the proper way to reduce your cost while improving coverage.

Impacting insurance rates for a Dodge RAM 150

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with lower insurance prices.

Shown below are some of the items that factor into rates.

  • Drive less and save money – The more miles you rack up on your Dodge each year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on how the vehicle is used. Autos used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your insurance policy is showing how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your RAM 150 may be wasting your money.
  • Theft deterrents lower rates – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Keep rates low by being claim-free – Auto insurance companies generally give discounts to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Rates may be lower depending on your job – Occupations like lawyers, social workers and stock brokers are shown to have the highest rates attributed to job stress and lengthy work days. On the other hand, occupations such as actors, students and the unemployed pay the least on RAM 150 coverage.
  • Bundling policies can get discounts – The majority of insurance companies provide better rates to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s in your best interest to compare other company rates to ensure the best deal. Consumers may find a better deal by insuring with multiple companies.
  • Bad driving skills means higher rates – A bad driving record has a lot to do with how much you pay for insurance. Even one ticket can increase rates forty percent or more. Good drivers receive lower rates than their less careful counterparts. If you have dangerous violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Marriage pays dividends – Getting married can get you a discount on insurance. Having a spouse means you’re more mature and responsible and statistics show drivers who are married are more cautious.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage will protect you if ever a jury decides you are liable for personal injury or accident damage. Liability provides legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.

The quickest method to compare policy rates is to realize most larger insurance companies pay for the opportunity to compare their rates. The only thing you need to do is provide information such as your job, if you lease or own, whether or not you need a SR-22, and how you use your vehicles. Your information is sent automatically to insurance carriers in your area and you will get price comparisons very quickly.

To find lower rates now, click here and find out if you can get cheaper insurance.

You probably qualify for some discounts

Companies that sell car insurance do not list all available discounts very well, so the following is a list of both well-publicized and the harder-to-find ways to save on insurance coverage.

  • New Car Discount – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could qualify you for a break when buying insurance coverage on RAM 150 coverage.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on RAM 150 coverage with a few insurance coverage companies.
  • Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

To see a list of insurers who offer insurance coverage discounts, click this link.

There’s no such thing as the perfect policy

When it comes to choosing the best insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether your personal situation might need professional guidance.

  • How much liability do I need to cover my assets?
  • Are my friends covered when driving my 1993 Dodge RAM 150?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is no-fault insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my trailer covered?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages

Knowing the specifics of car insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on most car insurance policies.

Coverage for collisions

Collision insurance pays for damage to your RAM 150 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages

Liability insurance will cover damage that occurs to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things like repair costs for stationary objects, medical services and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses for things like chiropractic care, surgery, prosthetic devices, rehabilitation expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, theft, hail damage and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Money doesn’t grow on trees

Throughout this article, we presented some good ideas how you can get a better price on 1993 Dodge RAM 150 insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best prices are with a lesser-known regional company. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

Lower-priced insurance is definitely available on the web in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

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