1993 Dodge RAM 150 Car Insurance Rates

Trying to find the cheapest car insurance rates for your Dodge RAM 150? Have you had enough of trying to scrape together enough money to insure your Dodge every month? You are in the same boat as many other consumers. Having so many companies and agents to choose from, it is very difficult to locate the lowest cost provider.

Buying car insurance is easy if you know what you’re doing. If you have insurance now or need new coverage, you can use this information to cut your premiums while maintaining coverages. Vehicle owners just need to learn the proper way to shop online.

How much can you save with discounts?

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we researched some of the best known and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for RAM 150 coverage depending on your company.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Homeowners Savings – Owning a house may trigger a insurance coverage policy discount because owning a home demonstrates responsibility.
  • Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Early Switch Discount – Select companies give a discount for switching policies before your current policy expires. It’s a savings of about 10%.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for RAM 150 coverage than drivers with accidents.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

To see a list of providers offering insurance coverage discounts, click here to view.

Finding Auto Insurance Deals

All major auto insurance companies quote prices for coverage on the web. Getting online quotes is fairly simple as you just type in your personal and coverage information into the quote form. Upon sending the form, the system collects your driving and credit reports and generates a price based on these factors. Online price quotes streamlines rate comparisons, but the time it takes to visit several different sites and fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to do this in order to get the lowest possible prices on auto insurance.

The easy way to compare rates

The easiest way to locate the lowest prices is to use a quote form to get prices from multiple companies. The form is fast, eliminates form submissions, and makes rate comparisons much easier. After your information is entered, your coverage is rated and you are able to buy any of the pricing results. If you find a better price you can simply submit the application and buy the policy. It only takes a few minutes and may result in a nice savings.

To quickly compare pricing, simply click here to open in new window and submit the form. If you have your current policy handy, we recommend you replicate your coverages exactly as they are listed on your policy. Doing this guarantees you will have a rate comparison for similar coverage.

How much car insurance do I need?

When buying proper insurance coverage, there is no perfect coverage plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover whether you may require specific advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is a fancy paint job covered?
  • Do I need added coverage for expensive stereo equipment?
  • Do I pay less for low miles?
  • Does insurance cover tools stolen from my truck?
  • Where can I get insurance after a DUI in my state?
  • How high should deductibles be on a 1993 Dodge RAM 150?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a 1993 Dodge RAM 150

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like prosthetic devices, pain medications, hospital visits and funeral costs. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1993 Dodge RAM 150.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, damage from a tornado or hurricane and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages – Liability insurance can cover damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like repair costs for stationary objects, bail bonds, emergency aid, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Keep this in mind

We just presented many ideas to save on 1993 Dodge RAM 150 insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the most savings is with the least-expected company. They can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

Budget-conscious insurance can be bought from both online companies and with local insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not offer online quoting and most of the time these smaller companies sell through independent agents.

Additional insurance coverage information is available on the following sites: