Lower Your 1993 Dodge Ram 50 Pickup Insurance Quotes

Want the cheapest car insurance rates for your Dodge Ram 50 Pickup? Sick and tired of paying out the nose to buy car insurance? Your situation is no different than many other drivers.

Drivers have so many auto insurance companies to insure vehicles with, and although it’s nice to have multiple companies, it can be more challenging to locate the cheapest rates.

The purpose of this post is to teach you how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this strategy. Nevertheless, car owners do need to understand the way companies compete online and use this information to your advantage.

More discounts equal less premium

Car insurance is not cheap, but there could be available discounts to reduce the price significantly. Some discounts apply automatically when you purchase, but a few must be manually applied before you will receive the discount.

  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company qualifies for this discount.
  • Bundle and Save – When you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Ram 50 pickup coverage than their less cautious counterparts.
  • Homeowners Pay Less – Owning a home can help you save on auto insurance because maintaining a house requires personal responsibility.

It’s important to understand that most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will cut the cost of coverage.

A partial list of companies that may offer some of the above discounts may include but are not limited to:

Check with each company which discounts they offer. All car insurance discounts might not be offered in your state.

It’s not one size fits all

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Every situation is different and your policy should reflect that. For instance, these questions can help discover whether or not you could use an agent’s help.

  • Do I need PIP coverage since I have good health insurance?
  • When should I not file a claim?
  • Who is covered when they drive my 1993 Dodge Ram 50 Pickup?
  • Is my camper covered by my car insurance policy?
  • Why do I need rental car insurance?
  • What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Specific coverage details

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on the average car insurance policy.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as loss of income, medical expenses, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses like rehabilitation expenses, prosthetic devices, X-ray expenses, pain medications and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Ram 50 Pickup.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as rock chips in glass, vandalism and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, sideswiping another vehicle, crashing into a ditch, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Make a quick buck

Budget-conscious 1993 Dodge Ram 50 Pickup insurance can be found on the web and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

When you buy insurance online, it’s very important that you do not skimp on coverage in order to save money. Too many times, an insured dropped liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible for the lowest price.

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