Compare 1994 Dodge Ram Pickup 1500 Insurance Cost

Shoppers have many options when shopping for low-cost Dodge Ram Pickup 1500 insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to get rate quotes.

There is a better way to find insurance coverage online and we’ll show you the quickest way to quote coverages for a Dodge and obtain the lowest possible price from local insurance agents and online providers.

Lower rates by qualifying for discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Some trigger automatically when you complete an application, but lesser-known reductions have to be manually applied in order for you to get them. If you’re not getting every credit available, you’re just leaving money on the table.

  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on Ram pickup coverage than less cautious drivers.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Good Student – Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
  • Save with a New Car – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Multi-policy Discount – If you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Accident Waiver – A few companies permit an accident without raising rates if you are claim-free for a particular time prior to the accident.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you won’t be that lucky. But any discount will bring down your premiums.

For a list of insurers with the best insurance discounts, click this link.

Car insurance is unique, just like you

When choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

These are some specific questions may help highlight if you might need professional guidance.

  • Do I need higher collision deductibles?
  • How does medical payments coverage work?
  • What is medical payments coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I crash into my own garage door?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Car insurance coverages for a 1994 Dodge Ram Pickup 1500

Learning about specific coverages of your insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills like rehabilitation expenses, pain medications, surgery, EMT expenses and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability insurance

This provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like structural damage, funeral expenses, medical expenses and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, fire damage, rock chips in glass, a tree branch falling on your vehicle and falling objects. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

This coverage pays for damage to your Ram Pickup 1500 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a mailbox, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage on a shoestring budget

Lower-priced 1994 Dodge Ram Pickup 1500 insurance is possible online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. A few companies don’t offer online price quotes and these small insurance companies work with independent agents.

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability limits or collision coverage only to discover later that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

People who switch companies do it for a number of reasons such as poor customer service, policy non-renewal, unfair underwriting practices or questionable increases in premium. It doesn’t matter why you want to switch finding a new car insurance company is not as hard as you think.

Additional information is located at the links below