Cheaper 1990 Dodge RAM 250 Insurance Rates

Finding the cheapest insurance for a Dodge RAM 250 can normally be difficult, but you can learn the following methods to save time.

There are both good and bad ways to compare car insurance rates and we’ll show you the absolute fastest way to price shop coverage on a Dodge and obtain the cheapest rates either online or from local insurance agents.

Pieces of the Dodge RAM 250 insurance rate puzzle

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for insurance. Having a good understanding of what influences your rates helps enable you to make changes that will entitle you to lower insurance prices.

  • Don’t sacrifice liability coverage – Liability coverage is the coverage that protects you if a court rules you are at fault for damages from an accident. It will provide you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Policy add-ons can waste money – There are many add-on coverages that can waste your money if you aren’t careful. Coverages like roadside assistance, accident forgiveness and membership fees may be wasting your money. These coverages may sound good initially, but your needs may have changed so get rid of them and save.
  • Mature drivers pay less – Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers. Teen drivers are known to be more careless when behind the wheel and because of this, their insurance rates are much higher.
  • Cautious drivers pay less – Whether or not you get tickets has a huge affect on how much you pay. Careful drivers have lower premiums than people who have multiple driving citations. Even one speeding ticket can boost insurance rates forty percent or more. Drivers with severe tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.

How to Compare Car Insurance Rates

Most major insurance companies such as Allstate, Geico and Progressive provide insurance quotes online. Getting quotes is pretty easy as you just type in your required coverages into the quote form. After the form is submitted, their system automatically orders your credit score and driving record and generates a price based on these factors.

This helps simplify price comparisons, but the work required to visit several different sites and type in the same information is monotonous and tiresome. But it’s very important to do this if you are searching for better prices.

There is an easier way!

The preferred way to lower your car insurance bill is to use a quote form to obtain quotes from many companies. It’s a real time-saver, eliminates repetitive work, and makes online shopping a lot less work. Once the form is submitted, it is quoted and you can choose any one of the pricing results.

If you find a better price you can click and sign and buy the new coverage. This process takes just a few minutes to complete and you will know how your current rates stack up.

In order to find out if lower rates are available, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you replicate your coverages identical to your current policy. This way, you will have a price comparison using the exact same coverages.

Save on Dodge RAM 250 insurance

Insurance can cost an arm and a leg, but there are discounts available that can drop the cost substantially. Certain discounts will be applied at quote time, but some may not be applied and must be specially asked for before they will apply. If you don’t get every credit you qualify for, you are throwing money away.

  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • No Charge for an Accident – A few companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Bundle and Save – When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates on RAM 250 coverage.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Payment Method – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on RAM 250 coverage with select insurance companies.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.

It’s important to note that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will bring down your overall premium however.

Companies that may offer these benefits include:

Double check with each insurance company how you can save money. Discounts might not apply in your area.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For example, these questions could help you determine whether your personal situation might need professional guidance.

  • What is the rate difference between pleasure use and commuting?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my custom paint covered by insurance?
  • Is my dog or cat covered if injured in an accident?
  • Is other people’s property covered if stolen from my vehicle?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, damage from getting keyed and vandalism. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as structural damage, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Coverage for collisions

This coverage covers damage to your RAM 250 resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, hitting a parking meter, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like rehabilitation expenses, surgery and nursing services. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 1990 Dodge RAM 250.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Be a Smart Shopper

In this article, we presented a lot of information how to save on 1990 Dodge RAM 250 insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the lowest premiums are 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, an insured dropped liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage for the lowest price while still protecting your assets.

People switch companies for any number of reasons including poor customer service, denial of a claim, an unsatisfactory settlement offer and even policy cancellation. No matter why you want to switch, finding a new company is easier than you think.

Additional detailed information is available at these sites: