2000 Dodge Ram Van Car Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Dodge Ram Van? Are you tired of trying to scrape together enough money to pay your car insurance bill each month? You are no different than millions of other consumers.

Having so many online and local companies to choose from, it is hard for the average consumer to pick the most cost effective car insurance company.

Insurance Coverage Comparisons

Comparing insurance coverage rates can be a daunting task if you aren’t aware of the most efficient way to do it. You could spend your day talking to local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

Many companies enroll in a system where insurance shoppers enter their coverage request one time, and each participating company provides a quote based on that data. This prevents consumers from doing repetitive form submissions for each company.

To compare pricing click here to start a free quote.

The only downside to getting quotes like this is you are unable to specify which insurance companies to get pricing from. If you would rather choose from a list of companies to compare rates, we have a page of insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, make sure you use exactly the same coverage information for every quote you compare. If you use different liability limits then you won’t be able to decipher which rate is best. Just a small difference in limits may result in large price differences. And when price shopping your coverage, having more price comparisons will increase your chances of finding lower pricing.

Get lower rates on Dodge Ram Van insurance

Properly insuring your vehicles can get expensive, but there could be available discounts that many people don’t even know exist. Some trigger automatically when you quote, but a few need to be specifically requested in order for you to get them.

  • Clubs and Organizations – Participating in a qualifying organization could trigger savings on insurance coverage on Ram van insurance.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Senior Citizens – Mature drivers may qualify for a small decrease in premiums on Ram van insurance.
  • Resident Student – Any of your kids who are attending college and do not have a car may qualify for this discount.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same insurance coverage policy could earn a price break for each car.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Ram van insurance depending on your company.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will cut the amount you have to pay.

Car insurance companies that possibly offer these discounts include:

Check with each insurance company which discounts they offer. All car insurance discounts might not be offered in your area.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might point out whether you might need an agent’s assistance.

  • Am I covered when driving a rental car?
  • What is PIP insurance?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered if hit by an uninsured driver?
  • How can I get my company to pay me more for my totalled car?
  • Is my nanny covered when driving my vehicle?
  • Does my insurance cover a custom paint job?
  • Why am I required to get a high-risk car insurance policy?
  • How can I force my company to pay a claim?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Factors that can influence insurance rates for a Dodge Ram Van

Consumers need to have an understanding of some of the elements that play a part in calculating insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with lower insurance prices.

  • Teen drivers pay high rates – Teenage drivers are known to be careless and easily distracted when driving so they pay higher insurance rates. If you’ve ever had to add a youthful driver to your insurance policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and receive fewer citations.
  • Low deductibles can be expensive – Deductibles for physical damage represent how much money you are willing to pay in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, collision with an animal, or theft. The higher the amount you have to pay, the less your insurance will be on Ram van insurance.
  • Don’t skimp on liability – Liability coverage is the protection in the event that a court rules you are at fault for damages caused by your negligence. It provides for a legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not skimp.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for insurance? Careers like lawyers, business owners and stock brokers are shown to have the highest rates in part from stressful work requirements and long work days. On the other hand, occupations such as farmers, students and performers pay the least on Ram van insurance.

Auto insurance coverages 101

Knowing the specifics of auto insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages available from auto insurance companies.

Collision coverage

This coverage covers damage to your Ram Van resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, hitting a parking meter, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, loss of income and emergency aid. How much coverage you buy is your choice, but consider buying higher limits if possible.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, damage from flooding, hitting a bird, damage from a tornado or hurricane and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for funeral costs, X-ray expenses, rehabilitation expenses, doctor visits and prosthetic devices. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Van.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Better coverage you can count on

Cost effective 2000 Dodge Ram Van insurance can be sourced both online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced collision coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

More tips and info about auto insurance can be read at these sites: