1990 Dodge Ram 50 Pickup Car Insurance Quotes – 9 Tricks for Best Rates

Want cheaper insurance coverage rates for your Dodge Ram 50 Pickup? Nobody I know likes having to buy insurance coverage, especially knowing their premiums are too high.

Drivers have so many insurance companies to buy insurance from, and even though it’s nice to have a selection, it makes it harder to find the lowest cost provider.

Take advantage of discounts

Insurance can cost an arm and a leg, but you may find discounts to help bring down the price. Some discounts apply automatically at quote time, but a few need to be manually applied before being credited.

  • Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% off your medical payments premium.
  • Driver’s Ed – Have your child take driver’s ed class in school.
  • Air Bag Discount – Factory air bags can receive discounts of 20% or more.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Sign Online – Some insurance companies give back up to $50 for buying your policy on their website.
  • Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
  • Low Mileage Discounts – Keeping the miles down on your Dodge can earn lower rates on the low mileage vehicles.
  • College Student – Children who live away from home and do not have a car may be able to be covered for less.

Drivers should understand that most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will help reduce your premiums.

Companies that may have these benefits may include but are not limited to:

Check with all companies you are considering which discounts you may be entitled to. Some discounts might not apply in your area.

Is there deception in advertising?

Companies like State Farm, GEICO and Progressive consistently run ads on TV and radio. All the ads have a common claim that you’ll save big if you change your coverage to them. How does each company make the same claim?

Insurance companies are able to cherry pick for the type of driver that earns them a profit. For example, a preferred risk could possibly be a mature driver, a clean driving record, and drives newer vehicles. A driver who fits that profile will get very good rates and therefore will save a lot of money.

Potential insureds who fall outside the “perfect” profile must pay a higher premium and this can result in business not being written. The ads state “people who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently claim big savings.

This illustrates why you need to compare many company’s rates. It’s impossible to know which insurance coverage company will fit your personal profile best.

How to know if you need help

When buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions may help you determine if you would benefit from an agent’s advice.

  • Am I covered when driving in Canada or Mexico?
  • How can I get high-risk coverage after a DUI?
  • Does liability extend to a camper or trailer?
  • Am I covered if I hit a deer?
  • Are rock chip repairs covered?
  • What is high-risk coverage and where do I buy it?
  • Can I rate high risk drivers on liability-only vehicles?
  • How can I force my company to pay a claim?
  • Am I covered if I drive in a foreign country?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Detailed coverages of your insurance policy

Learning about specific coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram 50 Pickup.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision insurance pays for damage to your Ram 50 Pickup resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Liability

Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like bail bonds, medical services, funeral expenses, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses for things like prosthetic devices, chiropractic care, ambulance fees and pain medications. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, damage from flooding, hitting a deer and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

More comparisons equals lower rates

When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice full coverage to discover at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at the best price.

Cheap 1990 Dodge Ram 50 Pickup insurance can be sourced from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

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