How Much Does 1997 Dodge Ram Wagon Insurance Cost?

Searching for cheaper car insurance rates for your Dodge Ram Wagon? Locating cheaper insurance for a Dodge Ram Wagon can turn out to be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to compare car insurance rates so you’re going to learn the best way to quote coverages for a new or used Dodge and get the best price possible.

It’s a good idea to shop coverage around before your policy renews because rates tend to go up over time. Even if you got the lowest rates for Ram Wagon insurance a few years ago you can probably find a better price now. Block out anything you think you know about car insurance because you’re about to find out the quickest way to find great coverage at a great price.

Pricing affordable car insurance is quite easy. If you have insurance now or are looking for a new policy, you can follow these tips to find the best rates and still get good coverage. Consumers only need an understanding of the proper way to get comparison quotes online.

You probably qualify for some discounts

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Most are applied at quote time, but some must be requested specifically before they will apply. If you’re not getting every credit available, you’re just leaving money on the table.

  • Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
  • Paperwork-free – Certain companies will give a small break just for signing your application digitally online.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.

Drivers should understand that most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, insurance coverage companies aren’t that generous. Any qualifying discounts will bring down your premiums.

For a list of providers with discount insurance coverage rates, click this link.

Dodge Ram Wagon rates are complex

An important part of buying insurance is that you know the factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get lower auto insurance prices.

  • Extra add-on coverages are wasting money – There are many add-on coverages you can purchase on your auto insurance policy. Things like personal injury protection, better glass coverage and additional equipment coverage may be costing you every month. They may seem like a good idea initially, but now you might not need them so remove them from your policy.
  • Liability coverage is peace of mind – Your policy’s liability coverage provides coverage if a jury decides you are liable for damages from an accident. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • Where you live can impact rates – Living in less populated areas can save you money when it comes to auto insurance. Lower population means a lower chance of having an accident. Urban drivers have to deal with traffic congestion and longer commute times. More time on the road can result in more accidents.
  • Lower rates with optional equipment – Owning a car with an alarm system can get you a discount on your auto insurance. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.

There’s no such thing as the perfect policy

When choosing adequate coverage, there really is not a “best” method to buy coverage. Every situation is different.

For instance, these questions can help discover if you might need professional guidance.

  • Can I rent a car in Mexico?
  • Should I sign the liability waiver when renting a car?
  • Is my 1997 Dodge Ram Wagon covered for flood damage?
  • When should I buy a commercial auto policy?
  • Exactly who is provided coverage by my policy?
  • Do I have coverage when using my vehicle for my home business?
  • Is a blown tire covered by insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my teenager covered with friends in the car?
  • What can I do if my company denied a claim?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Can you really save $383 a year?

Consumers can’t ignore all the ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. All the companies make an identical promise that you’ll save big after switching to their company.

How does each company claim to save you money?

Insurance companies can use profiling for the type of customer that earns them a profit. A good example of a driver they prefer might be profiled as a mature driver, has no driving citations, and has a high credit rating. Any new insured who meets those qualifications will get the preferred rates and most likely will save quite a bit of money when switching.

Potential customers who fall outside this ideal profile will be charged a higher premium and this can result in the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that much. This is how companies can state the savings.

That is why drivers should compare as many rates as you can. Because you never know which insurance companies will have the lowest Dodge Ram Wagon insurance rates.

Auto insurance policy coverages for a 1997 Dodge Ram Wagon

Understanding the coverages of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1997 Dodge Ram Wagon.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Comprehensive coverages – This coverage pays for 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 insurance covers claims like rock chips in glass, vandalism, a tree branch falling on your vehicle and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses such as rehabilitation expenses, EMT expenses, surgery, funeral costs and doctor visits. They are utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance covers damage to your Ram Wagon caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, damaging your car on a curb, hitting a mailbox, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Auto liability insurance – This protects you from damages or injuries you inflict on people or other property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as structural damage, attorney fees, medical expenses, loss of income and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Have the Midas touch

Cost effective 1997 Dodge Ram Wagon insurance is available from both online companies and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where an insured cut physical damage coverage and learned later that it was a big error on their part. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.

Drivers change insurance companies for any number of reasons including lack of trust in their agent, delays in responding to claim requests, policy non-renewal or even high rates after DUI convictions. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.

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