Cheaper 1999 Dodge Ram Wagon Insurance Rates

Want lower insurance coverage rates for your Dodge Ram Wagon? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Believe me, there are many consumers feeling the pinch from expensive insurance coverage. With so many different company options, it can be impossible to locate the lowest cost company.

It is always a good idea to take a look at other company’s rates periodically since rates fluctuate regularly. Despite the fact that you may have had the best price on Ram Wagon coverage a couple years back a different company probably has better rates today. You’ll find quite a bit of inaccurate information about insurance coverage online but with this article, you’re going to get some of the best ways to find cheap insurance coverage.

Factors that might impact rates for a Dodge Ram Wagon

Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for car insurance. Understanding what determines base rates helps enable you to make changes that may reward you with lower car insurance prices.

The list below includes some of the factors that factor into rates.

  • Don’t buy coverages you don’t need – There are a ton of extra coverages that you can buy on your Ram Wagon policy. Things like personal injury protection, towing coverage and additional equipment coverage may be wasting your money. These coverages may sound good when talking to your agent, but now you might not need them so remove them from your policy.
  • Bump up deductibles to save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Dodge from damage. Examples of covered claims would be collision with another vehicle, damage from fire, and windstorm damage. The deductibles are the amount of money you are willing to pay if you file a covered claim. The higher the amount you’re willing to pay, the less your car insurance will be on Ram Wagon coverage.
  • Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Men and women tend to get into accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also receive more costly citations such as reckless driving.
  • Traffic violations increase rates – Even one moving violation can boost insurance rates forty percent or more. Careful drivers have lower premiums than their less careful counterparts. If you have dangerous violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Safer cars cost less to insure – Vehicles with good safety scores can get you lower premiums. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Dodge Ram Wagon has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Don’t sacrifice liability coverage – The liability section of your policy is the protection if you are found to be at fault for causing damage or personal injury in an accident. It provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.

Don’t pay full price with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to cut the cost considerably. Some trigger automatically when you quote, but some must be manually applied prior to getting the savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Homeowners Pay Less – Owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Safe Drivers – Safe drivers may save up to 50% more on Ram Wagon coverage than less cautious drivers.
  • Safety Course Discount – Taking a driver safety course could cut 5% off your bill if you qualify.
  • Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Ram Wagon coverage depending on your company.
  • Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.

Consumers should know that some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will bring down your overall premium however.

To see a list of insurers who offer insurance discounts, follow this link.

Don’t believe everything you hear

Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. They all make the same claim about savings if you move your policy.

How can each company make almost identical claims?

Different companies are able to cherry pick for the driver that earns them a profit. A good example of a driver they prefer could be between 25 and 40, is a homeowner, and has a high credit rating. A customer who matches those parameters will get the preferred rates and as a result will probably save quite a bit of money when switching.

Consumers who don’t measure up to the “perfect” profile will have to pay higher prices which leads to the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently advertise the way they do.

Because of the profiling, you should quote coverage with many companies. It’s impossible to know the company that will fit your personal profile best.

Your personal situation dictates your coverage

When buying coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • What is medical payments coverage?
  • What is PIP insurance?
  • How much liability insurance is required?
  • Do I have coverage when making deliveries for my home business?
  • Does my policy cover me when driving someone else’s vehicle?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses for nursing services, rehabilitation expenses, pain medications, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for liability – This will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like emergency aid, structural damage and legal defense fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

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

Comprehensive coverage pays for things like fire damage, a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Ram Wagon.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage – This will pay to fix damage to your Ram Wagon resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

At the end of the day…

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There have been many situations where an insured cut comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at a price you can afford.

Cost effective 1999 Dodge Ram Wagon insurance can be purchased online as well as from independent agents, and you need to price shop both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Throughout this article, we presented a lot of techniques to compare insurance prices online. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as Allstate and Progressive.

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