Compare 1991 Dodge RAM 350 Car Insurance Rates

Want cheaper car insurance rates for your Dodge RAM 350? If shopping for car insurance online is new to you, you may be confused because of the huge number of online companies offering insurance.

It’s a good idea to get comparison quotes every six months because rates are rarely the same from one policy term to another. If you had the lowest rates on RAM 350 insurance a few years ago there is a good chance you can find better rates now. You can find a lot of wrong information about car insurance on the web, but we’re going to give you some solid techniques on how to find cheap car insurance.

Finding the best rates is not rocket science. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. But vehicle owners need to learn how insurance companies determine prices and take advantage of how the system works.

How to Buy Car Insurance Online

There are several ways to compare rate quotes from car insurance companies in your area. The best way to find the cheapest 1991 Dodge RAM 350 insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

The best way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating multiple quote forms for every car insurance company. One quote request gets rate comparisons from all major companies. It’s the fastest way to compare.

Another way to find lower rates requires you to visit the website of each company and complete a new quote form. For example, let’s assume you want comparison quotes from Geico, Allstate and State Farm. You would have to take the time to go to each site to input your insurance information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

The hardest way to get comparison rates is to spend your day driving to different agent offices. Shopping for car insurance online can eliminate the need for a local agent unless you want the trained guidance of a licensed agent. It is possible to price shop your coverage online and get advice from an agent in your area and we’ll talk about that later.

Which method you use is up to you, but ensure you’re using the exact same coverages for every quote you compare. If your comparisons have different limits and deductibles on each one it’s impossible to determine the best price for your Dodge RAM 350. Just a small difference in insurance coverages may result in a large different in cost. And when comparison shopping, more quotes helps you find a lower rate.

Save money by taking advantage of these discounts

Auto insurance companies don’t always advertise every available discount very well, so here is a list both the well known and the harder-to-find insurance savings.

  • Good Students Pay Less – This discount can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on RAM 350 insurance than drivers with accidents.
  • No Claims – Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • Club Memberships – Being a member of a professional or civic organization could trigger savings when buying insurance on RAM 350 insurance.
  • Government Employees – Active or retired federal employment can save as much as 8% on RAM 350 insurance with a few insurance companies.
  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Low Mileage Discounts – Keeping the miles down on your Dodge can qualify you for better rates on cars that stay parked.
  • Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.

Consumers should know that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.

Companies that may have these discounts include:

Check with all companies you are considering which discounts you may be entitled to. Discounts might not apply everywhere.

When should I use an insurance agent?

When buying adequate coverage, there really is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Do I really need UM/UIM coverage?
  • Is a fancy paint job covered?
  • Does my 1991 Dodge RAM 350 need full coverage?
  • Can I afford to buy a different vehicle if my 1991 Dodge RAM 350 is totaled?
  • How much liability do I need to cover my assets?
  • How do I insure my teen driver?
  • Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverages explained

Understanding the coverages of your insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for things like dental work, chiropractic care, EMT expenses and pain medications. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision protection

Collision insurance will pay to fix damage to your RAM 350 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, hitting a parking meter, rolling your car, crashing into a building and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance will cover damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like repair bills for other people’s vehicles, attorney fees, court costs, loss of income and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1991 Dodge RAM 350.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, falling objects and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

A fool and his money are soon parted

When shopping online for insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best price while not skimping on critical coverages.

Consumers leave their current company for a variety of reasons including being labeled a high risk driver, policy cancellation, high prices and extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company is less work than it seems.

Cost effective 1991 Dodge RAM 350 insurance is attainable from both online companies and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance coverage companies may not provide online price quotes and these regional insurance providers work with independent agents.

Additional detailed information can be found at these sites: