1991 Dodge RAM 250 Car Insurance Rates – 10 Ways to Save

Trying to find better insurance prices for a Dodge RAM 250 could be an all-consuming task, but you can use our insurance coverage buying tips to find lower rates.

There is a better way to find insurance coverage online and you need to know the quickest way to get price quotes for your Dodge and get the lowest price from local insurance agents and online providers.

It’s important to compare rates at least once a year since insurance rates trend upward over time. Even if you think you had the best price for RAM 250 coverage a couple years back you can probably find a lower rate today. There is too much inaccurate information about insurance coverage online, so we’re going to give you a lot of great tips on how to reduce your insurance coverage bill.

Pricing affordable insurance is simple if you know the tricks. If you have a policy now or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. Consumers just need to know the proper way to compare rates online.

Quick Car Insurance Quotes

Getting a cheaper price on 1991 Dodge RAM 250 insurance can be surprisingly simple. Just spend a little time comparing rates provided by online insurance companies. This can be done in a couple of different ways.

  1. One of the best ways to get quotes is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do multiple quote forms to each individual car insurance company. One form submission gets you coverage quotes from several companies. It’s definitely the quickest method.
  2. A more time consuming way to analyze rates is spending the time to visit the website for each individual company and fill out their own quote form. For example, we’ll assume you want comparison quotes from USAA, 21st Century and Farmers. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but compare identical coverages on every quote. If you are comparing mixed coverages it will be impossible to make a fair comparison for your Dodge RAM 250.

Discounts are great for lower rates

Car insurance is not cheap, but there could be available discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but less common discounts must be specifically requested before you will receive the discount. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Good Student – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • E-sign – Certain companies will give a small break simply for signing on their website.
  • Safety Course Discount – Taking part in a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for RAM 250 coverage.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of at least 10% off all policies.
  • Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for RAM 250 coverage than drivers with accidents.
  • New Vehicle Savings – Insuring a new car is cheaper since new cars are generally safer.
  • Driver’s Ed – Have your child successfully complete driver’s ed class if it’s offered in school.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates you can get free auto insurance, insurance companies aren’t that generous. But all discounts will bring down your overall premium however.

Companies that may offer these money-saving discounts include:

Double check with all companies you are considering how you can save money. Some discounts might not apply in every state.

You may need specialized coverage

When it comes to choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions may help you determine whether you might need professional guidance.

  • Should I waive the damage coverage when renting a car?
  • Is there coverage for injuries to my pets?
  • Am I covered if I hit my neighbor’s mailbox?
  • How much can I save by bundling my policies?
  • Am I covered when driving someone else’s vehicle?
  • Why do I need rental car insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage basics

Having a good grasp of your insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, sideswiping another vehicle, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverages – Liability coverage protects you from damages or injuries you inflict on other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as structural damage, loss of income, bail bonds, emergency aid and medical expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1991 Dodge RAM 250.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are set the same as your liablity limits.

Comprehensive or Other Than Collision – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, theft and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like surgery, hospital visits, funeral costs, ambulance fees and pain medications. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Stretch your dollar

When shopping online for insurance, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice physical damage coverage only to discover later that it was a big mistake. Your aim should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

Drivers change insurance companies for any number of reasons including poor customer service, policy cancellation, denial of a claim and even high prices. Regardless of your reason, finding a great new company is not as difficult as it may seem.

Cheap 1991 Dodge RAM 250 insurance is possible on the web and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

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