Compare 1998 Dodge Ram Wagon Insurance Cost

Want better insurance coverage rates for your Dodge Ram Wagon? Trying to find better insurance prices for a Dodge Ram Wagon can be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to compare insurance coverage rates and you need to know the proper way to get price quotes for a new or used Dodge and get the cheapest rates from both online companies and local agents.

Consumers need to get comparison quotes periodically due to the fact that insurance rates fluctuate regularly. Even if you got the lowest rates on Ram Wagon insurance on your last policy you will most likely find a better rate today. Starting now, forget all the misinformation about insurance coverage because we’re going to show you the tricks you need to know to properly buy coverages and cut your premium.

Choosing the best insurance company for you is quite easy. If you are insured now or need new coverage, you can use this information to get lower rates while maintaining coverages. Consumers only need an understanding of the tricks to shop for insurance coverage on the web.

Dodge Ram Wagon rates are complex

It’s important that you understand the rating factors that play a part in calculating insurance coverage rates. Knowing what influences your rates helps enable you to make changes that could result in big savings.

  • One company can mean more discounts – Some insurance coverage companies will give a discount to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s still a good idea to compare other company rates to ensure the best deal. Drivers may still find better rates by insuring with multiple companies.
  • Do you need the policy add-ons? – There are quite a few add-on coverages that can waste your money if you aren’t careful. Things like personal injury protection, accident forgiveness and membership fees are examples of these. They may seem good initially, but your needs may have changed so remove them from your policy.
  • Higher deductibles cost less – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Dodge from damage. Some instances where coverage would apply would be a windshield shattered by a rock, damage caused by hail, or theft. Physical damage deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive on Ram Wagon insurance.
  • Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Your job and insurance rates – Jobs such as doctors, architects and stock brokers are shown to have the highest rates due to high stress and lengthy work days. On the other hand, occupations such as farmers, students and the unemployed pay the least on Ram Wagon insurance.
  • Drive a safer car and pay less – Vehicles with good safety scores can get you lower premiums. Safer cars result in less severe injuries 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.

Take discounts and save

Companies don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Paperless Signup – A few companies give back up to $50 for buying a policy and signing up over the internet.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Bundle and Save – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount on Ram Wagon insurance with certain companies.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Ram Wagon insurance than drivers with accidents.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • No Accidents – Drivers who don’t have accidents can save substantially compared to frequent claim filers.

Keep in mind that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of companies offering car insurance discounts, follow this link.

Do auto insurance companies bend the truth?

Consumers can’t get away from ads that promise big savings by companies like State Farm and Allstate. All the ads have a common claim that you’ll save big if you change to them.

How do they all claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the type of driver that earns them a profit. A good example of a driver they prefer could be over the age of 40, is a homeowner, and has excellent credit. A propective insured who fits that profile gets the lowest rates and most likely will save quite a bit of money when switching.

Consumers who fall outside these standards must pay higher prices which leads to business not being written. The ads state “people who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can advertise the savings. This illustrates why it’s extremely important to get as many quotes as possible. It is impossible to predict the company that will fit your personal profile best.

Which policy gives me the best coverage?

When it comes to buying the best insurance coverage coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • Will I lose any money if I cancel my policy before it expires?
  • Will my insurance pay for OEM parts?
  • Is my teenager covered with friends in the car?
  • What exactly is covered by my policy?
  • What is the minimum liability in my state?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance specifics

Knowing the specifics of a car insurance 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.

Liability insurance

Liability coverage will cover injuries or damage you cause to other people or property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as legal defense fees, medical expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, colliding with a tree, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, vandalism, damage from a tornado or hurricane, hail damage and theft. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Dodge Ram Wagon.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, dental work, X-ray expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Quote often and quote early

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There are many occasions where an insured cut full coverage only to regret they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.

In this article, we covered some good ideas how to compare 1998 Dodge Ram Wagon insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the biggest savings come from an unexpected company.

Low-cost insurance is attainable from both online companies and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

Additional auto insurance information can be found at these links: