Cheap 1999 Dodge Ram Van Insurance Quotes

Looking for better insurance coverage rates for your Dodge Ram Van? Paying for high-priced Dodge Ram Van insurance can drain your checking account and force you to prioritize other expenses. Comparing price quotes is a great way to lower your monthly bill.

Many auto insurance companies vie for your insurance dollar, so it can be very hard to choose a insurance company to find the lowest rate

If you have car insurance now, you should be able to lower your premiums substantially using this strategy. Finding affordable coverage is easy if you know what you’re doing. Although vehicle owners should learn how the larger insurance companies compete online.

Comprehensive Insurance Comparison

There are several ways to compare quotes and find the best price. One of the best ways to find the cheapest 1999 Dodge Ram Van insurance rates is to perform an online rate comparison. This can be done in a couple of different ways.

The single most time-saving way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This form eliminates the need for a different quote for each company you want a rate for. In just a few minutes this one form gets you coverage quotes instantly.

A more time consuming way to shop for insurance online is to take the time to go to the website of each company and request a quote. For examples sake, we’ll pretend you want comparison quotes from Allstate, Farmers and GMAC. You would have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing identical coverages and limits for each comparison quote. If you enter different values for each quote it will be impossible to truly determine the lowest rate. Slightly different coverage limits can make a big difference in price. And when comparison shopping, quoting more gives you a better chance of getting lower pricing.

Dodge Ram Van insurance rates can be determined by these details

An important part of buying insurance is that you know the factors that go into determining the price you pay for insurance. Knowing what determines base rates empowers consumers to make smart changes that may reward you with big savings.

  • Don’t skimp on liability – The liability section of your policy provides coverage in the event that you are found liable for personal injury or accident damage. It will provide legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • Drive a safer car and pay less – Safer cars get lower rates. Safer cars have better occupant injury protection and better occupant protection means lower claim amounts passed on to you as lower rates. If the Dodge Ram Van scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Being married is a good thing – Having a wife or husband can actually save you money on insurance. Having a significant other translates into being more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Don’t buy coverages you don’t need – There are a lot of add-on coverages that you can buy when buying insurance. Coverages like rental car reimbursement, towing coverage and term life insurance may be wasting your money. These may sound like a good investment at first, but if they’re wasting money get rid of them and save.
  • Allowing your policy to lapse raises rates – Not having insurance is against the law and insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a license revocation or jail time.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.

Don’t miss these discounts

Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be specifically requested in order for you to get them.

  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Drive Less and Save – Keeping the miles down on your Dodge could qualify for lower rates on the low mileage vehicles.
  • No Claims – Drivers with accident-free driving histories can earn big discounts when compared with bad drivers.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for reduced rates for Ram van insurance.
  • Federal Employees – Active or retired federal employment can save as much as 8% for Ram van insurance with select insurance companies.
  • One Accident Forgiven – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.

It’s important to understand that some credits don’t apply to the entire cost. Most only apply to 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, companies wouldn’t make money that way. But any discount will help reduce your overall premium however.

Insurance companies that may have these money-saving discounts include:

Check with each insurance company what discounts are available to you. Some discounts might not be offered in your state.

When might I need help?

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

  • What discounts do I qualify for?
  • Which companies will insure high-risk drivers?
  • I don’t drive much so do I pay less?
  • What is roadside assistance coverage?
  • Are split liability limits better than a combined single limit?
  • Do I really need UM/UIM coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my teen driver covered when they drive my company car?
  • Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Coverages available on your car insurance policy

Learning about specific coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most car insurance policies.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, vandalism and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance – Liability coverage protects you from damage or injury you incur to other people or property in an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like attorney fees, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, X-ray expenses, chiropractic care, dental work and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Ram Van.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Collision – This coverage pays for damage to your Ram Van resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, damaging your car on a curb, hitting a parking meter and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Coverage on a shoestring budget

When buying insurance coverage, never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to find out they didn’t have enough coverage. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

We just presented quite a bit of information on how to save on 1999 Dodge Ram Van insurance. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the lowest priced insurance coverage comes from the smaller companies. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

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