1992 Dodge RAM 150 Insurance Quotes

Trying to find lower auto insurance rates for your Dodge RAM 150? Are you intimidated by the dozens of auto insurance companies? Many other drivers are as well. Drivers have so many choices that it can quickly become a real challenge to find lower rates.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. Although vehicle owners should learn how big insurance companies sell online because it can help you find the best coverage.

Vehicle Insurance Comparison

There are a lot of ways to shop for auto insurance, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon talking to agents in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most of the best insurance companies enroll in a system where prospective buyers only type in their quote data once, and each participating company returns a competitive quote based on that information. This saves time by eliminating form submissions to each individual auto insurance company.

To compare 1992 Dodge RAM 150 rates now click here (opens in new window).

The one disadvantage to getting quotes like this is you are unable to specify the providers you want pricing from. If you prefer to choose specific insurance companies for rate comparison, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use exactly the same information for every company. If each company quotes differing limits it will be very difficult to determine the best price for your Dodge RAM 150. Slightly different insurance coverages could mean much higher rates. And when comparison shopping, having more price comparisons provides better odds of finding a lower rate.

Dodge RAM 150 rates are in the details

It’s important that you understand the factors that come into play when calculating auto insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to lower auto insurance prices.

The list below includes a partial list of the pieces companies use to determine prices.

  • Discounts for multiple policies – The majority of insurers provide better rates to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. Consumers may find a better deal by insuring with multiple companies.
  • Do you know you’re credit rating? – Credit score is a big factor in determining your rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit. If your credit history is low, you could be paying less to insure your 1992 Dodge RAM 150 by repairing your credit.
  • Choose a safe vehicle and save – Vehicles with high crash test scores are cheaper to insure. Safer cars reduce injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If your Dodge has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Little extras can really add up – There are a ton of additional coverages you can purchase when buying auto insurance. Things like rental car reimbursement, better glass coverage and motor club memberships are some examples. They may seem like a good idea when talking to your agent, but if you don’t need them remove them from your policy.
  • Tickets mean higher rates – Good drivers get better rates compared to drivers with tickets. Only having one moving violation can increase rates twenty percent or more. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Do men or women drive better? – Statistics have proven that women are safer drivers than men. However, this does not mean women are better drivers. They both are in accidents at a similar rate, but men have costlier accidents. Men also receive more costly citations such as DWI and reckless driving. Young males tend to get in the most accidents and are penalized with high auto insurance rates.

Pay less for Dodge RAM 150 insurance

Auto insurance companies don’t always advertise every discount very clearly, so we break down both well-publicized and the harder-to-find insurance savings.

  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • Sign Early and Save – Select companies give a discount for signing up before your current policy expires. It can save you around 10%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% on RAM 150 coverage with a few insurance companies.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company qualifies for this discount.

It’s important to note that some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. So when it seems like it’s possible to get free car insurance, companies don’t profit that way.

For a list of providers with discount insurance rates, click here to view.

Tailor your coverage to you

When choosing the best auto insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether you may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • How much liability do I need to cover my assets?
  • Can I drive in Mexico and have coverage?
  • Are split liability limits better than a combined single limit?
  • Can I still get insurance after a DUI?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if my car is in a flood?
  • Do I have coverage when using my vehicle for my home business?
  • How high should my medical payments coverage be?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Auto insurance 101

Learning about specific coverages of a auto insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability

This provides protection from damage that occurs to other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like court costs, loss of income, attorney fees, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed and falling objects. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle and hitting a mailbox. 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.

Medical expense insurance

Med pay and PIP coverage kick in for expenses such as funeral costs, prosthetic devices, ambulance fees, rehabilitation expenses and hospital visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

And the best car insurance company is…

We just presented a lot of information how to get a better price on 1992 Dodge RAM 150 insurance. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with a small mutual company.

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, poor customer service, being labeled a high risk driver and delays in paying claims. It doesn’t matter what your reason, switching companies can be easier than you think.

Lower-priced insurance can be purchased both online in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

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