Cheaper 1993 Dodge Ram Wagon Insurance Quotes

Buyers have many options when searching for the best price on Dodge Ram Wagon insurance. They can either spend hours driving around to get rate comparisons or utilize the internet to make rate comparisons. There are both good and bad ways to buy insurance so we’re going to tell you the absolute fastest way to quote coverages for a new or used Dodge and obtain the lowest price either online or from local insurance agents.

Consumers need to shop coverage around quite often because insurance rates are rarely the same from one policy term to another. Just because you had the best deal for Ram Wagon insurance on your last policy the chances are good that you can find a lower rate today. So just forget all the misinformation about insurance because you’re going to get a crash course in the quickest way to lower your annual insurance bill.

If you have a current insurance coverage policy or need a new policy, you will benefit by learning to find the best rates and possibly find even better coverage. This article will instruct you on how car insurance quotes work. Vehicle owners only need an understanding of the proper methods to compare company rates online.

Comparison of Insurance

There are multiple methods you can shop for 1993 Dodge Ram Wagon insurance but some are less time-consuming than others. You can spend countless hours talking about coverages with insurance agencies in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Many insurance companies belong to a marketplace that allows shoppers to send in one quote, and each company returns a rated price based on that information. This saves time by eliminating quote requests for each company.

To compare pricing click to open in new window.

The one downside to using this type of form is buyers cannot specifically choose the companies to get pricing from. So if you want to select individual companies to compare prices, we have a page of the cheapest insurance companies in your area. Click to view list.

Whichever method you choose, make absolute certain that you use identical quote information on every quote you get. If you enter mixed coverages it’s not possible to determine which rate is truly the best.

Take advantage of discounts

Auto insurance companies do not list every available discount in a way that’s easy to find, so here is a list both well-publicized as well as the least known discounts you could be receiving. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Memberships – Belonging to a civic or occupational organization could trigger savings on insurance coverage for Ram Wagon insurance.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Ram Wagon insurance than less cautious drivers.
  • Low Mileage Discounts – Fewer annual miles on your Dodge could be rewarded with lower rates on the low mileage vehicles.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Homeowners Savings – Owning a house can save you money because maintaining a house shows financial diligence.

It’s important to understand that most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

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

It’s a good idea to ask each company which discounts they offer. Savings may not be available in your area.

What determines your Dodge Ram Wagon insurance premium

Smart consumers have a good feel for the rating factors that go into determining the price you pay for insurance coverage. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get lower insurance coverage prices.

Listed below are some of the items that factor into your rates.

  • What are your deductibles? – The deductibles define the amount you are willing to pay out-of-pocket before your insurance coverage pays a claim. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered would be running into the backend of another car, damage from fire, or theft. The higher the amount the insured has to pay upfront, the lower your rates will be for Ram Wagon insurance.
  • Rates may be lower depending on your job – Did you know your insurance coverage rates can be affected by your occupation? Occupations like doctors, business owners and accountants are shown to have higher rates than average because of stressful work requirements and lots of time spent at work. On the flip side, occupations like farmers, athletes and performers pay the least for Ram Wagon insurance.
  • Do you qualify for a multi-policy discount? – Most companies will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to ensure the best deal.
  • How’s your driving record? – Careful drivers receive lower rates than bad drivers. Even one speeding ticket can boost insurance rates by as much as thirty percent. Drivers with serious tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Being married is a good thing – Getting married can actually save you money when buying insurance coverage. Having a significant other translates into being more responsible and it’s proven that drivers who are married are more cautious.

How to know if you need help

When it comes to choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.

These are some specific questions can help discover if your insurance needs might need professional guidance.

  • Who is covered by my policy?
  • What if I don’t agree with a claim settlement offer?
  • How does medical payments coverage work?
  • What is the difference between comprehensive and collision coverage?
  • Does my insurance cover a custom paint job?
  • What is medical payments coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my Dodge Ram Wagon covered if I use it for business?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Ads can be misleading

Consumers can’t get away from ads for cheaper car insurance by companies like State Farm and Allstate. They all make the same claim about savings if you change to them.

How does each company make almost identical claims?

Insurance companies can use profiling for the type of customer that is profitable for them. For example, a driver they prefer could possibly be over the age of 40, a clean driving record, and drives newer vehicles. A customer that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Consumers who are not a match for this ideal profile will be charged a more expensive rate which leads to the driver buying from a lower-cost company. The ads say “people who switch” not “people who quote” save that kind of money. That is how companies can state the savings. That is why you need to get as many quotes as possible. It’s not possible to predict the company that will fit your personal profile best.

Car insurance coverage considerations

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills such as nursing services, pain medications, ambulance fees, EMT expenses and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive car insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, hail damage and damage from getting keyed. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

Liability insurance can cover damage that occurs to other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like pain and suffering, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision coverage

This will pay to fix damage to your Ram Wagon from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Online plus local equals savings

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice liability coverage limits and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Affordable 1993 Dodge Ram Wagon insurance can be sourced on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some insurance providers don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

We’ve covered many tips how you can get a better price on insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with the smaller companies.

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