Cheap 1993 Dodge RAM 350 Insurance Quotes

Want the cheapest auto insurance rates for your Dodge RAM 350? Finding lower rates for auto insurance is challenging for consumers not familiar with shopping for insurance online. There are so many options that it can turn into a lot of work to find lower rates.

Why your Dodge RAM 350 might be costing you more

It’s important that you understand some of the elements that come into play when calculating the rates you pay for car insurance. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to big savings.

  • Where you live is a factor – Choosing to live in a small town is a positive aspect when talking about car insurance. City drivers regularly have more traffic problems and a longer drive to work. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
  • Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. Safer cars protect occupants better and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Dodge RAM 350 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Do you work long hours in a high stress job? – Occupations such as judges, social workers and dentists are shown to have the highest average rates attributed to high stress levels and lengthy work days. Other jobs such as scientists, historians and the unemployed pay the least on RAM 350 insurance.
  • Your credit rating is important – Your credit history is a large factor in determining what you pay for car insurance. Therefore, if your credit rating is not that good, you could pay less to insure your 1993 Dodge RAM 350 by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower credit scores.
  • Discounts for married couples – Getting married can actually save you money when buying car insurance. Having a spouse means you’re more responsible and it’s proven that drivers who are married are more cautious.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but a few must be inquired about before you will receive the discount.

  • Federal Employees – Simply working for the federal government could cut as much as 10% off on RAM 350 insurance with select insurance companies.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • No Accidents – Drivers who don’t have accidents pay much less as compared to bad drivers.
  • E-sign – A few companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on RAM 350 insurance than less cautious drivers.
  • Homeowners Discount – Owning a home may earn you a small savings because owning a home requires personal responsibility.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce your overall premium however.

To see a list of insurers with discount car insurance rates, click here.

Can you really save that much by switching?

Auto insurance companies such as Progressive, Allstate and Geico constantly bombard you with television and radio advertisements. They all seem to have a common claim about savings if you switch your coverage to them. How do they all say the same thing? This is how they do it.

All companies can use profiling for the type of customer that earns them a profit. An example of a driver they prefer might be profiled as over the age of 40, owns a home, and has excellent credit. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don’t measure up to the requirements will be quoted higher rates which usually ends up with the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save money. That is how insurance companies can advertise the savings.

This emphasizes why it is so important to get as many quotes as possible. You cannot predict which company will give you the biggest savings on Dodge RAM 350 insurance.

Car insurance is unique, just like you

When choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique.

These are some specific questions might help in determining whether you could use an agent’s help.

  • How much liability insurance is required?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I really need UM/UIM coverage?
  • Does my car insurance cover rental cars?
  • Is my ex-spouse still covered by my policy?
  • If my 1993 Dodge RAM 350 is totaled, can I afford another vehicle?
  • Do I have coverage if my license is suspended?
  • Is business equipment covered while in my vehicle?
  • Am I covered if I wreck a rental car?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.

Insurance coverages and their meanings

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Auto liability insurance

Liability insurance will cover damage that occurs to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like bail bonds, pain and suffering, repair bills for other people’s vehicles, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Collision protection

This coverage pays for damage to your RAM 350 caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like EMT expenses, doctor visits and chiropractic care. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1993 Dodge RAM 350.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. 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 a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Quote more, save more

We just showed you some good ideas how to reduce 1993 Dodge RAM 350 insurance prices online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest priced auto insurance comes from the least-expected company.

Affordable insurance is available online and with local insurance agents, and you should be comparing both to have the best selection. A few companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

When you buy insurance online, it’s very important that you do not buy less coverage just to save a little money. In too many instances, an accident victim reduced liability limits or collision coverage and learned later that the savings was not a smart move. Your focus should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Additional auto insurance information is located at the links below