1993 Dodge RAM 250 Car Insurance Cost – 8 Tips to Save

Searching for cheaper auto insurance rates for your Dodge RAM 250? No one likes having to buy auto insurance, especially when the cost is way too high. With so many auto insurance companies to choose from, it’s nearly impossible to choose the best provider.

Choosing the best insurance company for you is not rocket science. If you have a current insurance coverage policy or are looking for a new policy, you can use these tips to find the best rates and still get good coverage. Drivers just need to know the tricks to shop for insurance coverage online.

The best way we recommend to compare policy rates is to know the trick most larger insurance companies participate in online systems to provide you with a free rate quote. All consumers are required to do is give the companies some data such as if the car is leased, level of coverage desired, which vehicles you own, and how your vehicles are used. Those rating factors is then submitted to all major companies and they return quotes with very little delay.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining if you would benefit from an agent’s advice.

  • Is motorclub coverage worth it?
  • Should I carry comprehensive and collision coverage?
  • Do I need rental car coverage?
  • Is my babysitter covered when using my vehicle?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when delivering products for my home-based business?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my Dodge RAM 250 covered if I use it for business?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Understanding the coverages of insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 1993 Dodge RAM 250.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

This coverage pays for damage to your RAM 250 caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, a tree branch falling on your vehicle, damage from flooding, hitting a deer and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for doctor visits, rehabilitation expenses, EMT expenses, prosthetic devices and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Liability

This will cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as medical services, emergency aid, pain and suffering, medical expenses and attorney fees. How much liability should you purchase? That is your choice, but buy higher limits if possible.