Cheaper 1999 Dodge Ram Wagon Car Insurance Rates

Searching for cheaper insurance rates for your Dodge Ram Wagon? Locating cheaper insurance for your Dodge Ram Wagon can normally be a painful process, but you can use a few tricks to make it easier. There is a better way to buy insurance so you’re going to learn the proper way to quote coverages for a new or used Dodge and find the lowest price from local insurance agents and online providers.

Consumers need to price shop coverage yearly since insurance rates are constantly changing. Just because you had the best price on Ram Wagon insurance last year you will most likely find a better rate today. You can find a lot of misleading information regarding insurance online but we’re going to give you some tested techniques to find affordable insurance.

Choosing the best insurance company for you is not rocket science. If you have a current insurance coverage policy or are just looking to switch companies, you can follow these tips to shop for the lowest rates while maintaining coverages. Drivers just need to learn the proper methods to shop on the web.

Companies offer discounts so take them!

Companies offering auto insurance don’t always advertise every available discount very clearly, so we break down both well-publicized and the more hidden insurance savings. If you’re not getting every credit possible, you are paying more than you should be.

  • Save with a New Car – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Homeowners Discount – Being a homeowner may trigger a insurance policy discount because of the fact that having a home requires personal responsibility.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Drive Less and Save – Fewer annual miles on your Dodge could qualify for better rates on cars that stay parked.
  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Discount for Life Insurance – Some companies give better rates if you take out a life insurance policy as well.

It’s important to understand that some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

For a list of insurers with discount insurance rates, click here.

Do I just need basic coverages?

When it comes to choosing coverage, there is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • When can my company non-renew my policy?
  • Am I covered when delivering products for my home-based business?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why do I need rental car insurance?
  • Am I covered if I drive in a foreign country?
  • Does insurance cover tools stolen from my truck?
  • What are the best liability limits?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Specific coverage details

Learning about specific coverages of your insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Ram Wagon.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision coverages – Collision coverage pays to fix your vehicle from damage 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, backing into a parked car, sustaining damage from a pot hole and crashing into a building. 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.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for rehabilitation expenses, hospital visits, pain medications and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a bird and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage – Liability coverage protects you from injuries or damage you cause to people or other property. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as repair costs for stationary objects, legal defense fees and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Spend less. Save more.

We just showed you some good ideas how to get a better price on 1999 Dodge Ram Wagon insurance. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the best price on car insurance is with a small mutual company.

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, someone sacrificed liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Cheaper insurance is available online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get a quote online and these smaller companies work with independent agents.

More detailed car insurance information can be read at these sites: