View 1991 Dodge Ram Wagon Insurance Cost

Searching for better insurance prices for your Dodge Ram Wagon can be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to shop for insurance so we’re going to tell you the quickest way to get price quotes for a new or used Dodge and find the cheapest rates from both online companies and local agents.

It’s a good idea to compare rates at least once a year because rates fluctuate regularly. Just because you had the lowest rates for Ram Wagon coverage six months ago there may be better deals available now. Starting right now, forget all the misinformation about insurance because it’s time to teach you the easiest way to find lower rates on insurance.

Dodge Ram Wagon rates are in the details

Smart consumers have a good feel for the factors that go into determining the price you pay for auto insurance. Understanding what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

  • Don’t sacrifice liability coverage – Liability insurance is the coverage that protects you when a court rules you are at fault for damages from an accident. Liability provides for a legal defense starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Multiple policies with one company can save – Some insurance companies provide better rates to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to verify if the discount is saving money.
  • Your car’s features help determine rates – Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Pleasure use saves money – The more you drive every year the higher your rate. Most insurance companies apply a rate based on their usage. Cars not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance policy is rated on the correct driver usage. If your policy improperly rates your Ram Wagon can cost quite a bit.
  • Safe vehicles cost less to insure – Cars with high safety ratings get lower rates. The safest vehicles protect occupants better and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Dodge Ram Wagon has ratings of a minimum four stars on or an “acceptable” rating on you may qualify for a discount.

Verify you’re getting all your discounts

Insurance can cost an arm and a leg, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but some must be specifically requested in order for you to get them. If you’re not getting every credit available, you are throwing money away.

  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
  • Organization Discounts – Participating in a professional or civic organization could trigger savings on insurance for Ram Wagon coverage.
  • Senior Citizens – Mature drivers may receive reduced rates for Ram Wagon coverage.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company qualifies for this discount.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • E-sign – Some insurance companies give back up to $50 for buying your policy digitally online.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will reduce your overall premium however.

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

Check with every prospective company what discounts are available to you. All car insurance discounts might not apply in your area.

Do drivers who switch really save $491 a year?

Drivers get pounded daily by advertisements for car insurance savings from companies such as State Farm, Allstate and GEICO. They all seem to say the same thing of big savings if you move your policy.

How does each company say the same thing?

Insurance companies have a preferred profile for the driver that is profitable for them. A good example of a preferred risk could possibly be over the age of 50, has no driving citations, and chooses high deductibles. A customer who matches those parameters gets the lowest rates and therefore will save quite a bit of money when switching.

Consumers who don’t qualify for the “perfect” profile will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” not “people who quote” save that much. That is how insurance companies can make the claims of big savings.

Because of the profiling, you should get quotes from several different companies. It’s not possible to predict which insurance companies will give you the biggest savings on Dodge Ram Wagon insurance.

When should I talk to an agent?

When choosing the best car insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • When would I need rental car insurance?
  • Who is covered when they drive my 1991 Dodge Ram Wagon?
  • How much liability coverage do I need in my state?
  • I have a DUI can I still get coverage?
  • How can I find cheaper teen driver insurance?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Knowing the specifics of your insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, a tree branch falling on your vehicle and falling objects. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Ram Wagon.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for short-term medical expenses for pain medications, X-ray expenses, surgery, nursing services and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Coverage for liability – This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by 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. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as bail bonds, attorney fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Collision – This will pay to fix damage to your Ram Wagon resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Have money to burn

Cost effective 1991 Dodge Ram Wagon insurance is definitely available both online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some car insurance companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Drivers who switch companies do it for any number of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, high prices or policy cancellation. Whatever your reason, finding a new company can be pretty painless.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. In many cases, an insured dropped physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at the best price, not the least amount of coverage.

Additional car insurance information can be read on the following sites: