Lower Your 1993 Dodge Ram Van Car Insurance Quotes

Want the cheapest car insurance rates for your Dodge Ram Van? Finding lower premiums on car insurance can be challenging for people who are new to comparison shopping online. There are so many options that it can be more work than you anticipated to locate the lowest price.

It’s a great practice to price shop coverage before your policy renews since rates change quite often. If you had the best deal on Ram van coverage a year ago you may be paying too much now. Don’t believe everything you read about car insurance on the web, but I’m going to show you some guaranteed methods to reduce your car insurance bill.

The purpose of this article is to introduce you to the most effective way to quote insurance and some money-saving tips. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. But consumers need to have an understanding of how companies sell online because it can help you find the best coverage.

Discounts can save BIG

Insurance can cost an arm and a leg, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically when you purchase, but less common discounts must be requested specifically before being credited.

  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Ram van coverage than drivers with accidents.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Homeowners Savings – Owning a home can save you money because maintaining a house requires personal responsibility.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a discount up to 10% on Ram van coverage.
  • Memberships – Belonging to a professional or civic organization may earn a discount when shopping for insurance on Ram van coverage.
  • Multiple Cars – Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
  • Paperless Signup – Certain companies will give a small break simply for signing digitally online.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will cut the cost of coverage.

A partial list of companies that may have these benefits include:

Double check with each company what discounts are available to you. Some discounts may not be available in every state.

Quick Insurance Quotes

There are multiple methods to shop for 1993 Dodge Ram Van insurance, but some are easier and takes less work. You could spend your day talking to local insurance agents in your area, or you could use the internet to maximize your effort.

Most car insurance companies take part in a program where prospective buyers only type in their quote data once, and at least one company then gives them pricing for coverage. This prevents consumers from doing form submissions for each company.

To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to pricing coverage this way is you don’t know exactly the companies to receive prices from. If you wish to select specific providers to receive pricing from, we have a listing of low cost insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, ensure you’re using exactly the same coverage limits and deductibles with each company. If your comparisons have unequal deductibles or liability limits you can’t possibly determine the lowest rate for your Dodge Ram Van. Having just a slight variation in coverage limits can make a big difference in price. Just keep in mind that comparing more company’s prices helps you find a lower rate.

Impacting insurance rates for a Dodge Ram Van

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that could result in lower car insurance prices.

The list below includes a few of the “ingredients” that factor into premiums.

  • Teen drivers pay high rates – Young drivers are statistically proven to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel.
  • Women pay lower rates – The statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Men and women have accidents at a similar rate, but the males tend to have more serious accidents. They also receive more costly citations such as reckless driving.
  • How credit affects car insurance rates – Having a bad credit rating is a large factor in determining your rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit. So if your credit can use some improvement, you could pay less to insure your 1993 Dodge Ram Van by repairing your credit.
  • Special features that cut premiums – Owning a car with an alarm system can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Do you have enough liability coverage? – Liability coverage provides coverage when a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • Higher deductibles cost less – Your deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and rolling your vehicle. The more expense the insured has to pay upfront, the less your car insurance will be on Ram van coverage.
  • Don’t get talked into coverage you don’t need – There are many extra coverages that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, accidental death and additional equipment coverage are some examples. These may sound like a good investment at first, but now you might not need them so eliminate them to save money.
  • Your location affects your rates – Choosing to live in a small town can save you money when insuring your vehicles. Drivers in populated areas have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.

Will just any policy work for me?

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • What is medical payments coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • What exactly is covered by my policy?
  • Why is insurance for a teen driver so high?
  • What can I do if my company won’t pay a claim?
  • Should I buy full coverage?
  • What vehicles should carry emergency assistance coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • What are the financial responsibility laws in my state?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverages

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverages – Collision coverage pays for damage to your Ram Van resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Van.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability – This can cover damage or injury you incur to a person or their property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair costs for stationary objects, repair bills for other people’s vehicles, loss of income and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, damage from a tornado or hurricane, fire damage and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for surgery, rehabilitation expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

A little work can save a LOT of money

When you buy insurance online, never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at a price you can afford.

Cost effective 1993 Dodge Ram Van insurance can be sourced on the web and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

People switch companies for any number of reasons including high rates after DUI convictions, not issuing a premium refund, questionable increases in premium and even denial of a claim. It doesn’t matter what your reason, finding a new company is easier than you think.

More information is available on the following sites: