Lower Your 1992 Dodge Ram Wagon Insurance Cost

Searching for cheaper car insurance rates? Consumers have options when looking for the lowest priced Dodge Ram Wagon insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to compare rates. There is a right way and a wrong way to shop for car insurance so you’re going to learn the best way to quote coverages on a Dodge and get the lowest price.

Quick Car Insurance Quotes

There are multiple methods to compare 1992 Dodge Ram Wagon car insurance prices but there is one way that is less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with agents in your area, or you can stay home and use online quotes to get prices fast.

Many of the larger companies enroll in a system where prospective buyers submit their information once, and every company returns a rated price based on that information. This eliminates the need for quote forms to each individual car insurance company. To enter your information into the quoting system, click here (opens in new window).

The single downside to pricing coverage this way is you can’t choose which insurance companies to get quotes from. So if you want to choose specific providers to request quotes from, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make absolute certain that you use identical deductibles and coverage limits with each company. If each company quotes differing limits then you won’t be able to decipher which rate is best.

More discounts equal less premium

Car insurance companies don’t list all available discounts very clearly, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If you’re not getting every credit you deserve, you’re just leaving money on the table.

Club Memberships – Belonging to a civic or occupational organization may earn a discount on your policy for Ram Wagon insurance.
Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Resident Student – Kids in college who live away from home and do not have a car may qualify for this discount.
55 and Retired – Mature drivers may receive a small decrease in premiums for Ram Wagon insurance.
Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.

It’s important to note that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like all those discounts means the company will pay you, companies don’t profit that way.

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

Check with each insurance company which discounts you may be entitled to. Savings might not apply in your state.

It’s not one size fits all

When it comes to buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique.

These are some specific questions may help highlight if your situation may require specific advice.

Do I need an umbrella policy?
Does coverage extend to my business vehicle?
Should I buy full coverage?
Is upholstery damage covered by car insurance?
Do I pay less for low miles?
Can I get a multi-policy discount for packaging my home and auto coverage?
How can I get high-risk coverage after a DUI?
When should I buy a commercial auto policy?
When would I need rental car insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages explained

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Ram Wagon.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability auto insurance

This provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as bail bonds, funeral expenses, legal defense fees and attorney fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Coverage for collisions

This will pay to fix damage to your Ram Wagon 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 pays for things such as sustaining damage from a pot hole, sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, damage from a tornado or hurricane, hitting a bird and rock chips in glass. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as pain medications, hospital visits and dental work. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage