Lower Your 1997 Dodge Ram Wagon Car Insurance Rates

Are you a victim of an overpriced insurance policy? Believe me, you’re not the only one.

Since consumers have many choices of insurance companies, it is hard for the average consumer to locate the most cost effective car insurance company.

It’s a good idea to do rate comparisons yearly because rates are adjusted regularly by insurance companies. Just because you had the best deal for Ram Wagon coverage a year ago you will most likely find a better rate today. Starting now, forget all the misinformation about insurance because we’re going to show you one of the quickest ways to save money, get proper coverage and the best rates.

Shopping for the lowest cost car insurance coverage is not that difficult. Just about every vehicle owner who is required by state law to have car insurance stands a good chance to be able to find better rates. Nevertheless, vehicle owners can benefit from knowing how the larger insurance companies determine prices and apply this information to your search.

Dodge Ram Wagon insurance rates can be determined by these details

An important part of buying insurance is that you know the rating factors that go into determining your car insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with big savings.

  • How your age affects price – Teenage drivers have a tendency to be careless and easily distracted behind the wheel so they pay higher car insurance rates. Having to add a teenage driver to your car insurance policy can be quite pricey. Older drivers are more cautious drivers, file fewer claims and are safer drivers.
  • Your stress level may be raising your rates – Jobs such as lawyers, social workers and accountants are shown to have higher rates than average because of job stress and lengthy work days. On the flip side, jobs such as scientists, athletes and the unemployed pay the least for Ram Wagon coverage.
  • Protect yourself with liability coverage – Your policy’s liability coverage will protect you when you are found liable for personal injury or accident damage. Liability provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Marriage pays dividends – Having a wife or husband can actually save you money on your policy. Having a spouse usually means you are more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Lower miles equals lower premium – The more miles you rack up on your Dodge in a year’s time the more you will pay for car insurance. Most companies apply a rate based on how the vehicle is used. Autos left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Ram Wagon can cost quite a bit. Make sure your car insurance policy shows how each vehicle is driven.

Best discounts on 1997 Dodge Ram Wagon coverage

Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. Some trigger automatically when you purchase, but some must be asked for before they will apply.

  • Defensive Driving Course – Taking part in a driver safety course can save you 5% or more if you qualify.
  • Club Memberships – Belonging to a qualifying organization could trigger savings when shopping for insurance for Ram Wagon coverage.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Student in College – Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • 55 and Retired – Older drivers may receive a small decrease in premiums for Ram Wagon coverage.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.

It’s important to understand that some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, insurance companies aren’t that generous. But all discounts will cut your premiums.

Companies that possibly offer some of the above discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Some discounts might not be offered everywhere.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Do I need more liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Why is insurance for a teen driver so high?
  • Can my babysitter drive my car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Exactly who is provided coverage by my policy?
  • Is business property covered if stolen from my car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have coverage for damage caused while driving under the influence?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance specifics

Understanding the coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, driving through your garage door, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, EMT expenses, funeral costs, surgery and dental work. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, theft and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, pain and suffering, emergency aid and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Saving money is sweet as honey

Cost effective 1997 Dodge Ram Wagon insurance can be bought both online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. In too many instances, someone dropped full coverage only to regret at claim time that it was a big mistake. The ultimate goal is to buy the best coverage you can find for the lowest price.

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