1991 Dodge RAM 350 Insurance Rates – 8 Discounts for Best Quotes

I can’t think of a single person who cherishes buying insurance, especially when their premiums are through the roof. Multiple insurers compete for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest cost out there.

You should make it a habit to compare rates before your policy renews because rates fluctuate regularly. Even if you think you had the best rates for RAM 350 coverage a year ago you will most likely find a better rate today. You can find a lot of wrong information about insurance on the internet, so I’m going to show you some of the best ways to buy insurance cheaper.

If you have insurance now or are shopping for new coverage, you can learn to reduce the price you pay while maintaining coverages. Finding the best rates is quite easy. Consumers only need to know the most effective way to shop for insurance online.

Don’t miss these eight discounts

Companies offering auto insurance don’t always list every available discount very well, so we researched both the well known and the harder-to-find savings tricks you should be using. If you don’t get every credit available, you are throwing money away.

  • Clubs and Organizations – Being a member of a civic or occupational organization could trigger savings when shopping for car insurance for RAM 350 coverage.
  • Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Student in College – Any of your kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies before your current expiration date. It’s a savings of about 10%.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance from them.

Drivers should understand that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free car insurance policy, car insurance companies aren’t that generous.

A partial list of companies who might offer some of the above discounts include:

Check with all companies you are considering what discounts are available to you. Discounts might not be offered in your state.

How to Compare Auto Insurance Rates

There are a lot of ways to compare auto insurance quotes, but one way is less labor-intensive and much quicker. You can spend countless hours talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to get pricing more quickly.

Many popular insurance companies participate in an industry program that enables customers to submit their information once, and every company can give them a price for coverage. This eliminates the need for quote forms for each company.

To compare pricing click here to open in new window.

The one downside to using this type of form is you are unable to specify which companies you want to price. So if you want to select specific providers to compare, we put together a list of low cost auto insurance companies in your area. Click to view list.

Whichever way you use, make sure you use identical coverages and limits for every quote you compare. If each company quotes different deductibles you will not be able to determine the best price for your Dodge RAM 350.

When might I need help?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if you will benefit from professional help.

  • At what point should I drop full coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my teenager covered with friends in the car?
  • Is my state a no-fault state?
  • Is my nanny covered when driving my vehicle?
  • When can my company non-renew my policy?
  • Is my ex-spouse still covered by my policy?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Auto insurance coverages and their meanings

Learning about specific coverages of your auto insurance policy can help you determine the best coverages for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement. These are the usual coverages found on most auto insurance policies.

Auto liability insurance – This coverage provides protection from damage that occurs to people or other property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like attorney fees, repair bills for other people’s vehicles, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision – This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, fire damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge RAM 350.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverages – This will pay to fix damage to your RAM 350 caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as rehabilitation expenses, X-ray expenses, pain medications and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Saving money is sweet as honey

As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.

The cheapest 1991 Dodge RAM 350 insurance can be purchased both online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

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