Compare 1996 Dodge Ram Wagon Insurance Rates

Want lower insurance rates for your Dodge Ram Wagon? Are you overwhelmed by the crazy number of insurance company choices? Many other drivers are as well. Consumers have so many options that it can be a big hassle to compare prices.

If you have car insurance now, you will most likely be able to cut costs considerably using this information. The purpose of this article is to tell you how car insurance quotes work. Although drivers do need to understand the way companies determine prices because it can help you find the best coverage.

Free Insurance Quotes

There are a lot of ways you can shop for insurance but one way is easier and takes less work. You can waste a few hours (or days) driving to insurance companies in your area, or you could save time and use online quoting for quick rates.

All the larger companies are enrolled in a marketplace where insurance shoppers submit their information once, and each participating company provides a quote based on that data. This system prevents you from having to do repetitive form submissions to each individual insurance company. To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to using this type of form is you don’t know exactly the companies to receive prices from. So if you prefer to pick specific insurance companies for rate comparison, we have assembled a list of insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just ensure you’re using the exact same quote information for every company. If you enter different limits and deductibles on each one it’s not possible to determine the lowest rate for your Dodge Ram Wagon. Slightly different limits may result in large price differences. And when quoting insurance, remember that comparing more company’s prices helps locate the best offered rates.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not know about. Some discounts apply automatically at the time of purchase, but some may not be applied and must be asked about in order for you to get them.

  • Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
  • Safety Course Discount – Completing a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.

Consumers should know that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will bring down the cost of coverage.

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

Before buying, ask each company which discounts they offer. Savings may not apply in your state.

Tailor your coverage to you

When buying coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether or not you may require specific advice.

  • Is pleasure use cheaper than using my 1996 Dodge Ram Wagon to commute?
  • What happens if I owe more than my 1996 Dodge Ram Wagon is worth?
  • Is there coverage for injuries to my pets?
  • How much liability do I need to cover my assets?
  • Should I put collision coverage on all my vehicles?
  • Do I need rental car coverage?
  • Why am I required to buy high-risk coverage?
  • Are rock chip repairs covered?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Coverage specifics

Understanding the coverages of a car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverage – This coverage pays for damage to your Ram Wagon resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, colliding with a tree and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, hitting a bird, a tree branch falling on your vehicle, fire damage and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses for things like chiropractic care, EMT expenses, ambulance fees, dental work and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Ram Wagon.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Auto liability – This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as medical expenses, emergency aid, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.