1990 Dodge Ram Van Insurance Cost

Trying to find better auto insurance rates for your Dodge Ram Van? Overpriced Dodge Ram Van insurance can overdraw your savings account, especially in this economy. Comparing price quotes is free and is an excellent way to make sure you’re not throwing money away. Drivers have so many insurance companies to pick from, and even though it’s nice to be able to choose, so many choices can make it hard to find the best rates for your vehicles.

This information will help educate you on the most effective way to quote insurance. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these tips. Drivers just need to learn the most efficient way to compare rates on the web.

These factors can influence what you pay for Dodge Ram Van insurance

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that could result in better auto insurance rates.

Shown below are a few of the “ingredients” used by your company to calculate premiums.

  • Higher deductibles cost less – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Dodge. Some examples of claims that would be covered could be collision with another vehicle, vandalism, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount the insured has to pay upfront, the lower your rates will be on Ram van coverage.
  • A lapse in coverage is a bad thing – Letting your insurance expire is a fast way to bump up your auto insurance costs. Not only will you pay more, failure to provide proof of insurance may earn you a steep fine or even jail time.You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Do you have a high stress job? – Did you know your job can affect your rates? Occupations such as doctors, social workers and accountants tend to have higher rates than average because of high stress levels and long work hours. On the flip side, professions such as scientists, athletes and homemakers receive lower rates on Ram van coverage.
  • Claim-free discounts can add up – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies give discounts to drivers who are claim-free. Auto insurance is intended for the large, substantial claims.
  • Rural vs Urban Areas – Residing in a small town can be a good thing when buying auto insurance. Urban drivers have much more traffic and longer commute times. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims.

The fastest way that we advise to compare car insurance company rates is to know the trick most insurance companies participate in online systems to provide you with free rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information like whether you are single or married, if a SR-22 is required, if it has an alarm system, and how much coverage you want. The rating information gets sent immediately to multiple top-rated companies and they return quotes almost instantly.

Do you qualify for a discount?

Insurance can be prohibitively expensive, but you can get discounts that you may not know about. Some trigger automatically when you quote, but some must be specifically requested in order for you to get them. If you don’t get every credit available, you are throwing money away.

  • Low Mileage – Fewer annual miles on your Dodge can qualify you for better rates on cars that stay parked.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Paperwork-free – A handful of insurance companies may give you up to $50 simply for signing digitally online.
  • Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Good Student – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Drivers Education – Have your child successfully complete driver’s ed class in school.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save up to 5%.

It’s important to note that many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, insurance coverage companies aren’t that generous. Any qualifying discounts will cut your overall premium however.

For a list of providers offering insurance coverage discounts, click this link.

What coverages do I need?

When choosing the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can aid in determining if your situation will benefit from professional help.

  • How much liability insurance is required?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How much can I save by bundling my policies?
  • Is my custom paint covered by insurance?
  • Do I need replacement cost coverage?
  • Can I rent a car in Mexico?
  • How much liability do I need to cover my assets?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Insurance coverages explained

Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision 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 coverage pays for things such as damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, fire damage and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses such as EMT expenses, dental work, pain medications and hospital visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. 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 is not available in all states and may carry a deductible

Coverage for liability

Liability insurance provides protection from damage that occurs to people or other property. It protects you from claims by other people, and does not provide coverage for 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. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like legal defense fees, funeral expenses, bail bonds and court costs. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Feed the piggy bank

Cost effective 1990 Dodge Ram Van insurance is available both online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

In this article, we presented many tips how you can save on insurance. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from the smaller companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate and Progressive.

As you shop your coverage around, you should never skimp on coverage in order to save money. In many instances, an insured dropped collision coverage only to regret at claim time that the savings was not a smart move. The aim is to buy the best coverage you can find at the best price while not skimping on critical coverages.

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