2002 Dodge Ram Cargo Insurance Quotes

Searching for lower insurance rates for your Dodge Ram Cargo? Feel like you’re a prisoner to high-priced insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Many insurance companies compete for your business, so it can be very hard to choose a insurance company and get the definite lowest rate possible.

If you have a policy now or need new coverage, you can learn to reduce the price you pay while maximizing coverage. Finding affordable coverage is quite easy. Drivers just need to learn the proper methods to shop online.

Dodge Ram Cargo insurance rates can be determined by these details

It’s important that you understand the rating factors that help determine your car insurance rates. Knowing what controls the rates you pay enables informed choices that could result in better car insurance rates.

The following are a few of the “ingredients” car insurance companies consider when setting premiums.

  • Where do you drive? – Driving more miles in a year the higher your rates will be. Almost all companies rate vehicles based upon how you use the vehicle. Autos left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Ram Cargo may be wasting your money. Make sure your car insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
  • Rural vs Urban Areas – Residing in a small town can be a good thing when insuring your vehicles. Lower population means fewer accidents and also fewer theft and vandalism claims. City drivers regularly have much more traffic to deal with and much longer commute distances. Higher commute times translates into higher accident risk.
  • Special features that cut premiums – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Always keep insurance in force – Not having insurance is against the law and car insurance companies will penalize you for letting your insurance lapse. And not only will your rates increase, failure to provide proof of insurance will get you a steep fine or even jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Teen drivers pay high rates – Young drivers tend to be careless and easily distracted in a vehicle so car insurance rates are higher. Mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
  • How’s your driving record? – Drivers with clean records have lower premiums than people who have multiple driving citations. Only having one ticket may increase your cost twenty percent or more. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.

Discounts are great for lower rates

The price of auto insurance can be rather high, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be asked about before they will apply. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • 55 and Retired – Mature drivers may be able to get a discount up to 10% on Ram Cargo insurance.
  • Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
  • Seat Belts Save – Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Homeowners Discount – Owning a house can save you money due to the fact that maintaining a home requires personal responsibility.
  • Air Bag Discount – Factory air bags or motorized seat belts can receive discounts of up to 25% or more.

Consumers should know that some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. So when it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous. Any qualifying discounts will cut the cost of coverage.

A partial list of companies who might offer some of the above discounts include:

Check with each insurance company which discounts they offer. Discounts may not apply in every state.

You may need specialized coverage

When choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Will my insurance pay for OEM parts?
  • Can my babysitter drive my car?
  • Should I have a commercial auto policy?
  • What vehicles should carry emergency assistance coverage?
  • How high should my medical payments coverage be?
  • Should I carry comprehensive and collision coverage?
  • How can I get high-risk coverage after a DUI?
  • How much can I save by bundling my policies?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Detailed coverages of your auto insurance policy

Learning about specific coverages of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are the usual coverages found on most auto insurance policies.

Auto liability – This protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as pain and suffering, court costs, funeral expenses, medical services and attorney fees. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

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

Collision can pay for things like hitting a parking meter, crashing into a ditch, backing into a parked car, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 2002 Dodge Ram Cargo.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from getting keyed and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses such as dental work, doctor visits, funeral costs, nursing services and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

More comparisons equals lower rates

You just read a lot of techniques to shop for 2002 Dodge Ram Cargo insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from the smaller companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.

Cheaper insurance can be purchased both online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and these smaller companies work with independent agents.

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