Cheap 1990 Dodge Ram Van Insurance Cost

Buyers have options when searching for affordable Dodge Ram Van insurance. You can either spend your time contacting agents getting price quotes or leverage the internet to compare rates. There are both good and bad ways to find insurance coverage online so we’re going to tell you the quickest way to compare rates on a Dodge and get the lowest possible price either online or from local insurance agents.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Consumers just need to learn the proper methods to get comparison quotes on the web.

Impacting insurance rates for a Dodge Ram Van

Smart consumers have a good feel for the different types of things that go into determining car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

Listed below are a few of the “ingredients” car insurance companies consider when setting prices.

  • Do you have enough liability coverage? – Liability insurance is the protection when you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • Policy add-ons can waste money – There are a lot of extra coverages that you can get tricked into buying if you aren’t careful. Insurance for personal injury protection, accidental death and additional equipment coverage are some examples. They may seem good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Bad driving skills means higher rates – Even a single ticket may increase your cost forty percent or more. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to keep their license.
  • Bundling policies can get discounts – Some companies provide better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to compare rates to make sure you are getting the best deal. Drivers may still find a better deal by splitting coverages up.
  • Frequent car insurance claims increase rates – If you file claims often, you can expect either higher rates or even cancellation. Insurance companies generally give discounts to drivers who file claims infrequently. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Pleasure use saves money – The more you drive every year the more you will pay for car insurance. Almost all companies rate vehicles determined by how the vehicle is used. Autos left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Ram Van may be wasting your money. Make sure your car insurance policy shows the correct driver usage.
  • Mature drivers pay less – Mature drivers tend to be more responsible, file fewer claims and get fewer tickets. Teen drivers have a tendency to get distracted easily in a vehicle therefore car insurance rates are much higher.
  • Men pay higher rates – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes have accidents at about the same rate, but the male of the species cause more damage. Men also tend to have more aggressive citations like reckless driving and DUI. Young males are the most expensive to insure and thus pay the highest rates.

How to Compare Insurance Coverage Costs

There are a variety of methods to compare 1990 Dodge Ram Van insurance coverage prices but one way is less time-consuming than others. You can spend countless hours driving to insurance companies in your area, or you could use online quoting to accomplish the same thing much quicker.

Most of the larger companies participate in an industry program where insurance shoppers submit one quote, and each participating company can give them a price for coverage. This saves time by eliminating quote forms to each company.

To enter your information into the quoting system, click here to start a free quote.

One minor caviat to using this type of form is you can’t choose which carriers you want to price. So if you prefer to choose specific providers to compare rates, we have a listing of companies who write insurance coverage in your area. Click here to view list.

Whichever way you use, make darn sure you compare identical coverage limits and deductibles for each comparison quote. If your comparisons have different values for each quote it will be next to impossible to determine which rate is truly the best.

Are you falling for claims of savings?

Consumers can’t ignore all the ads for car insurance savings by companies like Allstate, GEICO and Progressive. All the ads make the same claim of big savings after switching to them.

How do they all make the same claim?

All the different companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured might be over the age of 50, is a homeowner, and has a high credit rating. A driver that hits that “sweet spot” will get the preferred rates and is almost guaranteed to cut their rates substantially.

Consumers who don’t meet the requirements will be quoted a more expensive rate and ends up with business not being written. The ads say “drivers who switch” not “everybody who quotes” save that much. That is how companies can truthfully advertise the savings. This emphasizes why it’s extremely important to get as many comparisons as possible. It’s not possible to predict which insurance companies will provide you with the cheapest Dodge Ram Van insurance rates.

Cut your insurance coverage rates with discounts

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so we took the time to find some of the more common and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Air Bag Discount – Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Homeowners Discount – Owning a house can save you money due to the fact that maintaining a home requires personal responsibility.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for Ram van coverage than their less cautious counterparts.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Ram van coverage depending on your company.
  • Senior Citizens – Older drivers may receive a discount up to 10% for Ram van coverage.
  • Memberships – Participating in certain professional organizations could trigger savings on your policy for Ram van coverage.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way.

For a list of insurers with discount insurance coverage rates, click here to view.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions could help you determine whether your personal situation may require specific advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When should I buy a commercial auto policy?
  • Do I need to file an SR-22 for a DUI in my state?
  • How much can I save by bundling my policies?
  • When should I not file a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my liability insurance cover pulling a trailer or camper?
  • What exactly is covered by my policy?
  • Am I better off with higher deductibles on my 1990 Dodge Ram Van?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Insurance coverage options for a 1990 Dodge Ram Van

Understanding the coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability auto insurance – This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like loss of income, medical services, legal defense fees, attorney fees and court costs. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Comprehensive protection – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, damage from flooding, damage from getting keyed and hail damage. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage – Med pay and PIP coverage kick in for short-term medical expenses such as ambulance fees, nursing services and surgery. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance covers damage to your Ram Van caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, colliding with a tree, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Quote more, save more

Low-cost 1990 Dodge Ram Van insurance is possible from both online companies in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Consumers change insurance companies for many reasons like unfair underwriting practices, an unsatisfactory settlement offer, questionable increases in premium and even poor customer service. Whatever your reason, finding a new car insurance company is not as difficult as it may seem.

You just read a lot of ways to get a better price on insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the best prices are with a company that doesn’t do a lot of advertising.

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