Cheaper 1996 Dodge Ram Van Car Insurance Quotes

Trying to find better insurance coverage rates? Buyers have a choice when searching for low-cost Dodge Ram Van insurance. They can either spend hours struggling with agents to compare prices or use the internet to find the lowest rates. There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the best way to get price quotes for your Dodge and find the lowest price.

It’s smart to price shop coverage every six months since insurance rates fluctuate regularly. Even if you think you had the best deal on Ram van insurance six months ago there may be better deals available now. Don’t believe everything you read about insurance coverage on the internet, so with this article, you’re going to get a bunch of ideas how to find affordable insurance coverage.

How to Compare Auto Insurance Rates

All the larger auto insurance companies provide insurance quotes directly from their websites. Getting online rates doesn’t take much effort as you just type in your coverage information into the quote form. After you submit the form their system will order your driving and credit reports and returns a price quote.

Being able to quote online simplifies rate comparisons, but having to visit different websites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to perform this step in order to find the lowest possible prices on auto insurance.

The smarter way to compare rates is to use a quote form to return rates from more than one company. It saves time, eliminates form submissions, and makes price shopping online much simpler. As soon as you send your information, it is rated with multiple companies and you can pick any one of the pricing results. If you find a better price you can simply submit the application and buy the new coverage. This process just takes a couple of minutes and you will know how your current rates stack up.

To compare pricing, click here and begin entering your coverage information. If you have your current policy handy, we recommend you type in the insurance coverages exactly as shown on your declarations page. This way, you will receive a fair comparison based on the exact same insurance coverage.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t always list every discount very clearly, so here is a list some of the more common and also the lesser-known savings tricks you should be using. If you’re not getting every credit available, you’re just leaving money on the table.

  • Accident Waiver – Certain companies allow you one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on Ram van insurance than their less cautious counterparts.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a discount up to 10% on Ram van insurance.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.

Keep in mind that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

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

Car insurance is unique, just like you

When it comes to buying the best car insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • What is medical payments coverage?
  • Does insurance cover tools stolen from my truck?
  • When would I need rental car insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Dodge Ram Van rates are complex

It’s important that you understand the rating factors that go into determining the rates you pay for insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

Listed below are a partial list of the pieces used by your company to calculate prices.

  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. They both tend to get into accidents in similar numbers, but men tend to have more serious accidents. Men also receive more costly citations like DUI and reckless driving.
  • Your location affects your rates – Residing in a small town is a positive aspect when it comes to insurance. City drivers regularly have more traffic problems and a longer drive to work. Lower population means fewer accidents.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Car insurance companies award lower rates to insureds who do not file claims often. Car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.

Car insurance specifics

Having a good grasp of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 1996 Dodge Ram Van.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as prosthetic devices, nursing services, X-ray expenses, pain medications and surgery. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage


Liability coverage provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as pain and suffering, legal defense fees and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive car insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, a broken windshield, hitting a bird, rock chips in glass and theft. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

One last thing about your coverage

Cheap 1996 Dodge Ram Van insurance is attainable both online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

You just learned many ways to compare insurance prices online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even find the best prices are with some of the smallest insurance companies.

Consumers leave their current company for many reasons like poor customer service, policy cancellation, extreme rates for teen drivers and high prices. It doesn’t matter what your reason, switching companies is not as hard as you think.

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