Compare 1999 Dodge Ram Van Insurance Quotes

Searching for the cheapest insurance for a Dodge Ram Van can turn out to be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to find car insurance online so we’re going to tell you the absolute fastest way to price shop coverage on a Dodge and obtain the cheapest rates from both online companies and local agents.

Are you getting all your discounts?

Auto insurance companies don’t always advertise every available discount in a way that’s easy to find, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Student in College – Kids in college who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Clubs and Organizations – Affiliation with a professional or civic organization could trigger savings when shopping for auto insurance for Ram van coverage.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Bundle and Save – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Paperwork-free – A handful of insurance companies may give you up to $50 simply for signing online.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.

Car insurance companies that may offer these money-saving discounts may include but are not limited to:

Before buying, ask each company which discounts they offer. All car insurance discounts may not apply in every state.

Low Cost Insurance Coverage

Shopping for lower insurance coverage rates can take time and effort if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) talking to agents in your area, or you could use online quoting to get pricing more quickly.

Most major companies belong to an insurance system that allows shoppers to enter their coverage request one time, and every company returns a competitive quote determined by their information. This saves time by eliminating quote requests to each individual insurance coverage company. To participate in this free quote system, click to open in new window.

The single downside to using this type of form is you are unable to specify which insurance companies you will receive quotes from. So if you prefer to choose specific providers to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

However you get your quotes, ensure you are comparing identical information on every quote you get. If your comparisons have different deductibles it will be impossible to truly determine the lowest rate.

Why your Dodge Ram Van insurance rates may be high

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for car insurance. When you know what positively or negatively influences your rates enables informed choices that can help you get better car insurance rates.

  • Bundling policies can get discounts – Some companies provide better rates to people who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.
  • Allowing your policy to lapse raises rates – Having an insurance coverage lapse is a fast way to pay more for car insurance. And not only will your rates increase, but not being able to provide proof of insurance may earn you a license revocation or jail time.
  • Save money with special equipment – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Frequent car insurance claims increase rates – Companies provide cheaper rates to people who file claims infrequently. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • More miles equals more premium – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Autos left parked in the garage receive lower rates than those used for commuting. Make sure your car insurance declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your Ram Van may be wasting your money.
  • Higher deductibles cost less – Deductibles for physical damage define the amount you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims could be running into the backend of another car, damage from fire, and burglary. The higher the amount you have to pay, the bigger discount you will receive for Ram van coverage.

Tailor your coverage to you

When buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions may help you determine whether or not you might need professional guidance.

  • Does coverage extend to a rental car in a foreign country?
  • How do I insure my teen driver?
  • Is motorclub coverage worth it?
  • Am I insured when driving a different vehicle?
  • When should I not file a claim?
  • Does my insurance cover a custom paint job?
  • Do I need rental car coverage?
  • Do I need an umbrella policy?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

How can Allstate and Progressive save drivers who switch?

Consumers constantly see and hear ads that promise big savings from the likes of Allstate and Progressive. All the ads make the same claim that you’ll save big if you move your coverage to them.

How do they all make the same claim?

All companies are able to cherry pick for the right customer that is profitable for them. A good example of a driver they prefer might be a mature driver, owns a home, and has a high credit rating. Any new insured who fits that profile receives the best rates and therefore will save a lot of money.

Potential insureds who are not a match for this ideal profile will be charged a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everybody who quotes” save that much. That’s why insurance companies can claim big savings. That is why it is so important to compare as many rates as you can. You cannot predict which insurance companies will give you the biggest savings on Dodge Ram Van insurance.

Car insurance coverages 101

Having a good grasp of car insurance helps when choosing which coverages you need for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Dodge Ram Van.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – Collision coverage will pay to fix damage to your Ram Van resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, crashing into a ditch, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses for things like funeral costs, hospital visits, EMT expenses and doctor visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability insurance – Liability insurance provides protection from damage that occurs to people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for 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. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like medical expenses, loss of income, funeral expenses and attorney fees. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, a tree branch falling on your vehicle, damage from flooding and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Be a Smart Shopper

Cheap 1999 Dodge Ram Van insurance can be bought on the web as well as from independent agents, so compare prices from both to get a complete price analysis. There are still a few companies who don’t offer online price quotes and these small, regional companies work with independent agents.

Consumers switch companies for a number of reasons such as poor customer service, policy cancellation, an unsatisfactory settlement offer or even lack of trust in their agent. Whatever your reason, finding a new company can be less work than you think.

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Helpful resources