Compare 1997 Dodge Ram Van Insurance Quotes

Searching for the cheapest insurance for a new or used Dodge Ram Van can be an all-consuming task, but you can use our insurance coverage buying tips to make it easier. There is a better way to shop for insurance coverage so we’re going to tell you the absolute fastest way to price shop coverage for your Dodge and locate the best price possible from local insurance agents and online providers.

Smart consumers take time to get comparison quotes quite often because insurance rates are constantly changing. Despite the fact that you may have had the best price on Ram van coverage a few years ago a different company probably has better rates today. So block out anything you think you know about insurance coverage because you’re going to learn the easiest way to reduce your cost while increasing coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can use these tips to shop for the lowest rates and still get good coverage. Drivers just need to know how to find the lowest price online.

Free Quotes for Insurance Coverage

All major insurance coverage companies allow you to get coverage price quotes on their websites. The process is pretty painless as you simply enter the coverages you want as requested by the quote form. Once you submit the form, their rating system requests your credit score and driving record and quotes a price based on many factors.

This simplifies rate comparisons, but the work required to visit different websites and type in the same information gets old quite quickly. But it’s absolutely necessary to do this in order to find the lowest price.

Isn’t there an easier way to compare rates?

A less time-consuming method to get multiple rate quotes makes use of a single form to return rates from several companies at one time. The form is fast, eliminates repetitive work, and makes online quotes a little more enjoyable. As soon as you send your information, it gets priced and you can select any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.

To save time and find out how much you’re overpaying now, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you replicate the insurance coverages identical to your current policy. This helps ensure you will have a price comparison based on similar coverages.

Discounts are available to cut your rates

Companies that sell car insurance don’t necessarily list all available discounts very well, so we took the time to find both the well known and the more hidden ways to save on auto insurance. If you don’t get every credit you qualify for, you are throwing money away.

  • New Car Discount – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount on Ram van coverage depending on your company.
  • Seat Belt Usage – Requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Bundle and Save – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Life Insurance – Larger companies have a break if you buy life insurance from them.
  • Accident Waiver – Certain companies allow you one accident before your rates go up if your claims history is clear for a particular time prior to the accident.

It’s important to understand that most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you could get a free auto insurance policy, you’re out of luck.

For a list of insurance companies with discount auto insurance rates, click this link.

Everyone needs different coverages

When it comes to buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

  • Does liability extend to a camper or trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is business property covered if stolen from my car?
  • Am I insured when driving a different vehicle?
  • Are rock chip repairs covered?
  • Does coverage extend to a rental car in a foreign country?
  • Does coverage extend to Mexico or Canada?
  • Should I drop comprehensive coverage on older vehicles?
  • How does medical payments coverage work?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Why your Dodge Ram Van insurance rates may be high

It’s important that you understand the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

  • Bump up deductibles to save – Your deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply could be running into the backend of another car, damage from fire, and burglary. The more money you are required to pay out-of-pocket, the lower your rates will be on Ram van coverage.
  • Always keep insurance in force – Driving with no insurance is against the law and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, getting caught without coverage can result in a steep fine or even jail time.
  • Add-on coverages can add up – There are a lot of extra coverages you can purchase on your Ram Van policy. Insurance for rental car reimbursement, better glass coverage and membership fees are some examples. They may seem like a good idea at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Special features that cut premiums – Owning a car with an alarm system can get you a discount on your auto insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.

Insurance coverage basics

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, falling objects, vandalism and fire damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

This pays for damage to your Ram Van caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims like loss of income, funeral expenses and emergency aid. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Ram Van.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for hospital visits, dental work, prosthetic devices and funeral costs. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Pennies from heaven

Budget-conscious 1997 Dodge Ram Van insurance can be purchased online as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance coverage companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

People switch companies for many reasons like unfair underwriting practices, delays in paying claims, being labeled a high risk driver or even poor customer service. It doesn’t matter what your reason, switching insurance coverage companies can be less work than you think.

We’ve covered a lot of ways to compare insurance prices online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the best price on insurance coverage is with some of the lesser-known companies.

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