1993 Dodge Ram 50 Pickup Car Insurance Rates

Want better insurance coverage rates for your Dodge Ram 50 Pickup? Shopping for affordable insurance coverage online may be challenging for consumers not familiar with online price comaprisons. Because there are so many companies competing online, how can drivers effectively compare every one to find the cheapest available price?

You should take the time to do rate comparisons once or twice a year because prices change regularly. Just because you found the best rates for Ram 50 pickup coverage last year other companies may now be cheaper. There is too much inaccurate information about insurance coverage online but we’re going to give you some excellent ideas to put money back in your pocket.

Finding Auto Insurance Deals

All the larger auto insurance companies give pricing on the web. Getting quotes is quite simple as you simply enter the coverage amounts you desire into the quote form. After you complete the form, their system obtains credit information and your driving record and generates pricing information based on these and other factors.

This makes it a lot easier to compare rates but the time it takes to visit a lot of sites and type in the same information can be a bit repetitive. But it’s very important to do this if you want to find a lower rate.

There is an easier way!

The smarter way to lower your auto insurance bill makes use of a single form that analyzes rates from more than one company. It saves time, helps eliminate reptitive entry, and makes quoting online much more efficient. After your information is entered, it gets priced with multiple companies and you can pick any one of the quote results.

If a lower price is quoted, you can simply submit the application and buy the new coverage. This process takes 15 minutes at the most and can result in significant savings.

To compare rates using this form now, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended that you enter the insurance coverages exactly as they are listed on your policy. This way, you will receive rate quotes for exact coverage.

Don’t pay full price with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be asked for before being credited.

  • Air Bag Discount – Vehicles equipped with air bags can get savings of more than 20%.
  • Club Memberships – Affiliation with certain professional organizations may earn a discount on insurance for Ram 50 pickup coverage.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Distant Student – Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like you can get free auto insurance, insurance companies aren’t that generous. Any qualifying discounts will help reduce your premiums.

Car insurance companies that may have these benefits include:

Before buying, ask all companies you are considering what discounts are available to you. Savings might not be offered in your area.

Your personal situation dictates your coverage

When buying adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • Do I need rental car coverage?
  • Am I missing any policy discounts?
  • Will my insurance pay for OEM parts?
  • Does my 1993 Dodge Ram 50 Pickup qualify for pleasure use?
  • Will my rates increase for filing one claim?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Exactly who is provided coverage by my policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?

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 an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Coverages available on your policy

Knowing the specifics of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Dodge Ram 50 Pickup.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Liability coverage

Liability insurance will cover damage that occurs to a person or their property. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like loss of income, bail bonds, repair costs for stationary objects and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for X-ray expenses, doctor visits, ambulance fees, pain medications and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance covers damage to your Ram 50 Pickup resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, rolling your car, hitting a mailbox, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, damage from flooding and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.