Cheap 1993 Dodge Ram Van Insurance Quotes

Paying for high-priced Dodge Ram Van insurance can dwindle your bank account and put a big crunch on your finances. Comparison shopping is a great way to help make ends meet. With so many choices of insurance companies, it is very difficult to choose the most affordable car insurance company.

It’s important to shop coverage around quite often due to the fact that insurance rates fluctuate regularly. Despite the fact that you may have had the lowest rates on Ram van coverage a year ago you will most likely find a better rate today. Starting now, ignore everything you know about auto insurance because I’m going to teach you how to quote online to remove unneeded coverages and save money.

Best discounts on Dodge Ram Van coverage

Car insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so the following is a list of some of the more common as well as the least known car insurance savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • No Accidents – Good drivers with no accidents pay less when compared with drivers who are more careless.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you will save approximately 10% to 15%.

It’s important to note that most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of providers with the best car insurance discounts, click here to view.

Compare the Market for Auto Insurance

Cutting your auto insurance rates can be relatively painless. You just need to spend a few minutes on the computer to compare rate quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

  1. The single most time-saving way to find low rates is a comparison rater form click to view form in new window. This type of form prevents you from having to do separate quotation requests for each company. One quote request will get you price quotes from multiple low-cost companies.
  2. A different way to find lower rates requires a trip to the website of each company to complete a price quote. For sake of this example, we’ll pretend you want to compare Auto-Owners, Safeco and Progressive. To get each rate you have to spend time on each company’s site 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.

Which method you use is up to you, but make sure you use the exact same information for every company. If the quotes have differing limits then you won’t be able to determine which rate is truly the best.

Impacting insurance rates for a Dodge Ram Van

It’s important that you understand the factors that come into play when calculating insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in lower insurance prices.

The list below includes some of the items used by your company to calculate premiums.

  • What are your deductibles? – The deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, vandalism, and windstorm damage. The more money you are required to pay out-of-pocket, the less your insurance will be on Ram van coverage.
  • Special features that cut premiums – Owning a car with a theft deterrent system can save you a little every year. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Too many insurance claims drive up costs – Auto insurance companies generally give discounts to people who do not file claims often. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • Where you live – Living in small towns and rural areas has it’s advantages when insuring your vehicles. Fewer people translates into fewer accidents as well as less vandalism and auto theft. Urban drivers regularly have congested traffic and longer commutes to work. Higher commute times means more change of being in an accident.
  • Do you know you’re credit rating? – Having a bad credit rating is a important factor in calculating your insurance rates. People with high credit ratings tend to be more responsible than those with lower credit ratings. If your credit rating can use some improvement, you could be paying less to insure your 1993 Dodge Ram Van by repairing your credit.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. These are some specific questions can aid in determining if your situation may require specific advice.

  • Are my friends covered when driving my 1993 Dodge Ram Van?
  • How can I get high-risk coverage after a DUI?
  • What is the ISO rating for a 1993 Dodge Ram Van?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when making deliveries for my home business?
  • Where can I find high-risk insurance?
  • Is business property covered if stolen from my car?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Do insurance coverage companies bend the truth?

Consumers can’t ignore all the ads that promise big savings by companies like State Farm and Allstate. They all make the same claim about savings if you change to them.

How do they all claim to save you money?

Different companies have a certain “appetite” for the right customer that makes them money. A good example of a driver they prefer might be profiled as over the age of 40, a clean driving record, and drives less than 10,000 miles a year. Any driver who meets those qualifications will get the preferred rates and most likely will save a lot of money.

Consumers who are not a match for this ideal profile must pay higher prices and this can result in business not being written. The ad wording is “customers that switch” but not “drivers who get quotes” save that much money. That is how insurance companies can advertise the savings. This illustrates why you absolutely need to compare many company’s rates. You cannot predict which insurance coverage company will give you the biggest savings on Dodge Ram Van insurance.

Insurance coverage considerations

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Collision coverage – This will pay to fix damage to your Ram Van resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, driving through your garage door, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, funeral costs, doctor visits and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance – This coverage protects you from damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like medical expenses, bail bonds, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, falling objects, damage from flooding and fire damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Ram Van.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

A penny earned…

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. In many instances, consumers will sacrifice collision coverage to discover at claim time that the small savings ended up costing them much more. The aim is to find the BEST coverage for the lowest price.

Budget-conscious 1993 Dodge Ram Van insurance can be bought both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some car insurance companies don’t offer online price quotes and these small insurance companies work with independent agents.

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