Save on 1990 Dodge RAM 150 Insurance Quotes

Buyers have a choice when searching for affordable Dodge RAM 150 insurance. You can either spend your time driving around trying to get quotes or use the internet to get rate quotes.

There are more efficient ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a Dodge and find the lowest possible price from both online companies and local agents.

The best way we recommend to compare policy rates utilizes the fact most of the bigger providers participate in a system to give you rate quotes. All consumers are required to do is give them some information such as if a SR-22 is needed, how much you drive, whether you have decent credit, and your education level. Your details is instantly submitted to multiple top-rated companies and they return rate quotes quickly.

To compare rates for a 1990 Dodge RAM 150 now, click here and complete the quick form.

Do drivers who switch really save?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate, GEICO and Progressive. They all say the same thing of big savings if you move your policy.

How does each company make the same claim? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer that is profitable for them. For instance, a profitable customer could be over the age of 50, has no prior claims, and chooses high deductibles. A driver who fits that profile will get the preferred rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile will have to pay higher prices and this can result in business going elsewhere. Company advertisements say “customers that switch” not “everyone that quotes” save that much. That’s the way companies can make those claims.

Because of the profiling, drivers must quote coverage with many companies. It’s not possible to predict which insurance companies will give you the biggest savings on Dodge RAM 150 insurance.

These factors can influence Dodge RAM 150 insurance rates

Smart consumers have a good feel for the factors that help determine your insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with big savings.

The following are some of the factors insurance companies consider when setting rates.

  • Drive less and save money – Driving more miles each year the higher your rates will be. Almost all companies rate vehicles based upon how you use the vehicle. Cars and trucks that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated RAM 150 may be wasting your money. Verify your insurance coverage properly reflects the proper vehicle usage.
  • More than one policy can earn a discount – The majority of insurance companies will give a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to comparison shop to verify if the discount is saving money.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores get lower rates. Safe vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Dodge is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Higher deductibles cost less – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Dodge. A few examples of covered claims could be colliding with a building, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you have to pay, the lower your rates will be for RAM 150 insurance.
  • Frequent insurance claims increase rates – Car insurance companies give discounts to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Rural vs Urban Areas – Living in a small town is a positive aspect when it comes to insurance. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Fewer drivers means reduced accidents as well as less vandalism and auto theft.
  • Extra add-on coverages are wasting money – There are many extra bells and whistles that you can buy if you aren’t careful. Coverages for vanishing deductibles, towing coverage and motor club memberships are some examples. They may seem like a good idea at first, but if you don’t need them eliminate them to save money.
  • Careful drivers pay lower rates – Only having one citation can increase rates by as much as thirty percent. Good drivers get better rates than bad drivers. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.

These discounts can lower your rates

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Most are applied at the time of quoting, but some may not be applied and must be specifically requested before you will receive the discount. If you’re not getting every credit available, you’re paying more than you need to.

  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for RAM 150 insurance with select insurance companies.
  • College Student – Children who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will help reduce the cost of coverage.

Car insurance companies that may have these discounts include:

Double check with each company what discounts are available to you. All car insurance discounts may not apply in your area.

Different people need different coverages

When choosing the best car insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether your personal situation may require specific advice.

  • How high should my medical payments coverage be?
  • Is my dog or cat covered if injured in an accident?
  • When do I need to add a new car to my policy?
  • Does coverage extend to Mexico or Canada?
  • Am I missing any policy discounts?
  • What if I owe more than I can insure my car for?
  • Does having multiple vehicles earn me a discount?
  • Does my personal policy cover me when driving out-of-state?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can provide invaluable advice.

Auto insurance coverages

Understanding the coverages of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Auto collision coverage

Collision coverage covers damage to your RAM 150 resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, colliding with another moving vehicle, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for liability

This coverage provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical services, legal defense fees and funeral expenses. How much coverage you buy is your choice, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, hail damage and damage from getting keyed. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1990 Dodge RAM 150.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Insurance for medical payments

Med pay and PIP coverage pay for bills like nursing services, pain medications and doctor visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

More quotes. Lower rates.

Drivers change insurance companies for a variety of reasons including an unsatisfactory settlement offer, high prices, lack of trust in their agent and even poor customer service. Whatever your reason, finding the right auto insurance provider is less work than it seems.

Low-cost 1990 Dodge RAM 150 insurance can be bought from both online companies as well as from independent agents, and you need to price shop both to have the best selection. There are still a few companies who don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

When shopping online for auto insurance, you should never reduce needed coverages to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price.

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