Compare 1990 Dodge RAM 350 Insurance Rates

Trying to find low-cost insurance for a Dodge RAM 350 can normally be an all-consuming task, but you can use our car insurance buying tips to save time. There is a better way to shop for car insurance and you need to know the quickest way to compare rates for your Dodge and obtain the lowest possible price from local insurance agents and online providers.

It is always a good idea to price shop coverage quite often since insurance rates are rarely the same from one policy term to another. Just because you found the best deal on RAM 350 insurance six months ago other companies may now be cheaper. So forget all the misinformation about car insurance because it’s time to teach you the best way to save on car insurance.

If you have insurance now or are just looking to switch companies, you can follow these tips to shop for the lowest rates while maximizing coverage. Locating cheaper coverage is not that difficult. Vehicle owners just need to learn the tricks to compare price quotes online.

You probably qualify for some discounts

Companies that sell car insurance don’t always publicize all available discounts very clearly, so the following is a list of both the well known and the harder-to-find ways to save on auto insurance. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Federal Employees – Employees or retirees of the government can save as much as 8% on RAM 350 insurance with certain companies.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • No Claims – Drivers with accident-free driving histories pay less as compared to frequent claim filers.
  • Homeowners Pay Less – Owning a house may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • College Student – Any of your kids living away from home attending college and do not have a car can be insured at a reduced rate.
  • 55 and Retired – If you qualify as a senior citizen, you may receive better auto insurance rates on RAM 350 insurance.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.

It’s important to understand that most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

Car insurance companies that possibly offer these benefits may include but are not limited to:

Double check with all companies you are considering how you can save money. All car insurance discounts may not be available in every state.

Free Insurance Quotes

Finding a better price on insurance can be relatively painless. All that’s required is to spend a little time comparing rate quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

  1. Probably the best way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do separate quotation requests for each company you want a rate for. Completing one form will return quotes direct from many companies. Just one form and you’re done.
  2. A slightly less efficient method to analyze rates is to manually visit each individual company website to complete their respective quote request forms. For sake of this example, let’s assume you want to compare rates from Progressive, Liberty Mutual and American Family. To get rate quotes you would need to go to every website to enter your coverage information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The most time-consuming method to compare rates is to drive around to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you want the professional guidance only provided by licensed agents. It is possible to find lower rates online and still use a local agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same deductibles and coverage limits for every quote you compare. If you use different liability limits it’s impossible to truly determine the lowest rate.

Impacting insurance rates for a Dodge RAM 350

An important part of buying insurance is that you know the rating factors that play a part in calculating your insurance coverage rates. Understanding what determines base rates enables informed choices that could result in better insurance coverage rates.

  • Where you reside plays a part – Choosing to live in a small town can save you money when insuring your vehicles. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
  • Credit scores impact insurance coverage rates – Your credit rating is a large factor in calculating your insurance coverage rates. Consumers who have good credit tend to be less risk to insure as compared to drivers with lower credit ratings. So if your credit rating can use some improvement, you could save money insuring your 1990 Dodge RAM 350 by repairing your credit.
  • No coverage gaps is important – Allowing your coverage to lapse will be a quick way to increase your insurance coverage rates. And not only will insurance be more expensive, getting caught without coverage can result in a steep fine or even jail time.
  • Liability coverage is peace of mind – Your policy’s liability coverage is the protection in the event that you are found to be at fault for causing damage or personal injury in an accident. It provides legal defense coverage which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Too many insurance coverage claims drive up costs – Insurance companies award lower rates to policyholders who are claim-free. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance is designed for larger claims.
  • Poor driving leads to higher costs – Your driving citation history has a huge affect on how much you pay. Drivers who don’t get tickets have lower premiums than bad drivers. Just one speeding ticket can bump up the cost by twenty percent. Drivers who have serious citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Sex matters – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women tend to get into accidents in similar numbers, but men have costlier accidents. Men also get cited for more serious violations such as reckless driving. Young males are the most expensive to insure and thus pay the highest rates.

There’s no such thing as the perfect policy

When it comes to buying adequate coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if you might need an agent’s assistance.

  • Why do I need rental car insurance?
  • Why is insurance for a teen driver so high?
  • How does medical payments coverage work?
  • Is other people’s property covered if stolen from my vehicle?
  • Can my babysitter drive my car?
  • Will I lose any money if I cancel my policy before it expires?
  • Where can I find DUI or SR-22 insurance?
  • What exactly is covered by my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Are rental cars covered under my policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Insurance coverage specifics

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, hitting a deer and falling objects. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1990 Dodge RAM 350.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverages – Collision coverage pays for damage to your RAM 350 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for immediate expenses like rehabilitation expenses, EMT expenses, funeral costs and hospital visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Auto liability – This coverage can cover damage that occurs to other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things like repair bills for other people’s vehicles, medical services, bail bonds and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Feed the piggy bank

We just covered a lot of information how to reduce 1990 Dodge RAM 350 insurance prices online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with the smaller companies.

Drivers change insurance companies for many reasons like lack of trust in their agent, policy cancellation, not issuing a premium refund and even an unsatisfactory settlement offer. Whatever your reason, switching auto insurance companies is easier than you think.

As you shop your coverage around, you should never skimp on coverage in order to save money. Too many times, someone sacrificed full coverage and learned later they didn’t purchase enough coverage. Your aim should be to buy enough coverage at a price you can afford, not the least amount of coverage.

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