Cheaper 1990 Dodge RAM 150 Insurance Quotes

Finding low-cost insurance coverage online can be somewhat difficult for consumers not familiar with comparison shopping online. With so many insurers to choose from, how can anyone effectively compare them all to find the cheapest rates?

Consumers need to shop coverage around occasionally since rates go up and down regularly. Just because you had the best rates on RAM 150 insurance six months ago other companies may now be cheaper. Starting right now, forget anything you know (or think you know) about insurance coverage because we’re going to show you the quickest way to reduce your cost while increasing coverage.

If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. Locating the best protection is not that difficult. But drivers must know the way insurance companies sell insurance online and use this information to your advantage.

How to Compare Car Insurance Rates

There are several ways to get quotes from different insurance companies. The best method to find the cheapest 1990 Dodge RAM 150 insurance rates is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing separate quotation requests to each individual car insurance company. One form submission compares rates from several companies. Just one form and you’re done.
  2. A slightly less efficient method to get comparison quotes is to take the time to go to the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll pretend you want to compare Farmers, Safeco and GMAC. To get each rate you have to go to every website and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverages and limits for each comparison quote. If each company quotes different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Dodge RAM 150. Having just a slight variation in coverage limits may result in a large different in cost. It’s important to know that comparing a large number of companies helps locate the best price.

Policy discounts you shouldn’t miss

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but less common discounts must be asked for prior to getting the savings.

  • College Student – Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • E-sign – A handful of insurance companies may give you up to $50 for buying your policy on their website.
  • Low Mileage Discounts – Fewer annual miles on your Dodge can qualify you for better rates on cars that stay parked.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on RAM 150 insurance than drivers with accidents.
  • Auto/Home Discount – If you insure your home and vehicles with one company you will save at least 10% off all policies.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, companies don’t profit that way. But all discounts will cut the cost of coverage.

To see a list of insurers who offer car insurance discounts, click here.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

  • Is my state a no-fault state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I missing any policy discounts?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I put collision coverage on all my vehicles?
  • Does car insurance cover theft of personal property?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Factors that can influence Dodge RAM 150 insurance rates

Smart consumers have a good feel for the rating factors that go into determining the price you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to better auto insurance rates.

  • Your job and insurance rates – Did you know your job can affect your rates? Occupations such as real estate brokers, social workers and financial analysts have higher average rates attributed to stressful work requirements and long work days. Conversely, occupations like pilots, engineers and homemakers get better rates on RAM 150 insurance.
  • Safer cars cost less to insure – Safer cars are cheaper to insure. These vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and thus lower rates. If the Dodge RAM 150 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Big city or small town – Being located in small towns and rural areas can save you money when talking about auto insurance. Urban drivers tend to have traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident and a lower car theft rate.
  • A clean driving record saves money – Even one moving violation may increase your cost forty percent or more. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Frequent auto insurance claims increase rates – If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Companies give cheaper rates to drivers who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Special features that cut premiums – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Your age impacts your rates – Teen drivers are statistically proven to get distracted easily when driving so they pay higher auto insurance rates. Adding a young driver to your auto insurance policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel.

Educate yourself about insurance coverages

Knowing the specifics of insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage

This will pay to fix damage to your RAM 150 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Auto liability

Liability coverage will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of 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 a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, loss of income, court costs, structural damage and medical expenses. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, hail damage and vandalism. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for chiropractic care, nursing services, hospital visits, funeral costs and surgery. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Have money to burn

Budget-conscious 1990 Dodge RAM 150 insurance is available from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

You just learned many tips how you can lower your insurance rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the best prices are with a smaller regional carrier.

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at the best price while still protecting your assets.

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