1992 Dodge RAM 350 Car Insurance Quotes – 8 Ways to Save

Looking for better insurance coverage rates for your Dodge RAM 350? Buying the most affordable insurance coverage on the internet is somewhat difficult for consumers new to buying insurance online. With dozens of insurers available, how can you possibly compare every company to locate the lowest price?

You should take the time to get comparison quotes once or twice a year because rates change quite often. Just because you had the best price for RAM 350 insurance six months ago you will most likely find a better rate today. Block out anything you think you know about insurance coverage because you’re about to find out how to use the internet to reduce your cost while improving coverage.

If you currently have a car insurance policy, you will be able to save some money using this information. Buying affordable auto insurance coverage is not that difficult. Nevertheless, consumers do need to understand how companies market on the web and apply this information to your search.

Where Can I Get Cheap Insurance Coverage?

There are several ways of comparing rate quotes from insurance coverage companies in your area. The best way to find competitive 1992 Dodge RAM 350 insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

  • Probably the best way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating separate quotation requests for each company. One simple form gets you price quotes direct from many companies. It’s definitely the quickest method.
  • A more time consuming way to shop for insurance coverage online is to manually visit the website for each individual company to request a price quote. For sake of this example, we’ll pretend you want to compare State Farm, Progressive and Farmers. To get rate quotes you would need 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 companies insuring cars in your area, click here.

Which method you use is up to you, but ensure you’re using the exact same coverages and limits on every quote you get. If you are comparing different deductibles it will be impossible to determine the best price for your Dodge RAM 350. Just a small difference in limits may result in a large different in cost. And when comparing insurance coverage rates, know that comparing a large number of companies will enable you to find lower pricing.

Buyer beware of car insurance advertising tricks

Companies like Geico, State Farm and Progressive constantly bombard you with ads on TV and radio. All the ads make the same claim about savings if you switch your coverage to them. But how can every company make almost identical claims?

Different companies have a certain “appetite” for the type of customer that earns them a profit. For example, a preferred risk could be between 25 and 40, a clean driving record, and has a short commute. Any driver who matches those parameters will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Consumers who fall outside the “perfect” profile must pay higher prices which leads to the customer not buying. Company advertisements say “customers that switch” not “everyone that quotes” save that much. That is how insurance companies can confidently state the savings.

This illustrates why it is so important to get a wide range of price quotes. Because you never know which insurance companies will give you the biggest savings on Dodge RAM 350 insurance.

Save big with these eight discounts

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be manually applied prior to receiving the credit.

  • One Accident Forgiven – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
  • Passive Restraint Discount – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Resident Student – Kids in college living away from home attending college and don’t have a car may be able to be covered for less.
  • Homeowners Discount – Owning a house can help you save on auto insurance because of the fact that having a home requires personal responsibility.
  • Senior Discount – Mature drivers may receive a discount up to 10% for RAM 350 insurance.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Accident Free – Good drivers with no accidents can save substantially when compared with frequent claim filers.
  • Life Insurance – Some companies give a break if you buy life insurance from them.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you can get free auto insurance, you’re out of luck. But any discount will help reduce your premiums.

Car insurance companies who might offer these benefits include:

It’s a good idea to ask each company which discounts they offer. Savings might not be offered in your state.

But I don’t know anything about car insurance

When buying the best insurance coverage coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique.

These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

  • Why do I need rental car insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when driving a rental car?
  • Does having multiple vehicles earn me a discount?
  • Does my 1992 Dodge RAM 350 need full coverage?
  • How do I insure my teen driver?
  • What exactly is covered by my policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance specifics

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers – This coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1992 Dodge RAM 350.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Liability coverages – This coverage protects you from injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical expenses, medical services, pain and suffering, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for nursing services, X-ray expenses and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, a tree branch falling on your vehicle, theft, damage from a tornado or hurricane and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

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

Collision coverage pays for things like crashing into a building, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Be a Smart Shopper

Throughout this article, we presented some good ideas how to compare 1992 Dodge RAM 350 insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even find the most savings is with an unexpected company.

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There are too many instances where someone dropped comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

People change insurance companies for a number of reasons such as denial of a claim, being labeled a high risk driver, high rates after DUI convictions or questionable increases in premium. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

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