1994 Dodge Ram Van Car Insurance Cost

Shopping for low-cost insurance online is intimidating for consumers not familiar with comparing rates online. With dozens of companies in the marketplace, how can consumers possibly compare every one to find the lowest rates?

Consumers should take time to shop coverage around periodically since insurance rates go up and down regularly. Despite the fact that you may have had the best price on Ram van coverage two years ago a different company probably has better rates today. There is a lot of bad information regarding insurance on the web, but I’m going to show you some proven techniques to stop overpaying for insurance.

Locating affordable protection is simple if you know the tricks. Just about everyone who shops for car insurance will most likely be able to save money. Nevertheless, car owners do need to know the methods companies use to price insurance differently because it can help you find the best coverage.

How much can you save with discounts?

Insuring your fleet can be pricey, but there are discounts available to help offset the cost. Some discounts apply automatically at the time of quoting, but some must be specifically requested before being credited.

  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
  • No Accidents – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for reduced rates on Ram van coverage.
  • One Accident Forgiven – A few companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Ram van coverage with certain companies.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. Any amount of discount will bring down your premiums.

For a list of insurance companies with discount insurance coverage rates, follow this link.

Auto Insurance Quote Comparison

The are a couple different ways to compare rate quotes and find the best price. By far the easiest way to find competitive 1994 Dodge Ram Van insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. One of the simplest ways to find low rates is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for boring form submissions for each company you want a rate for. A single, simple form gets you coverage quotes from multiple companies. This is by far the quickest method.
  2. A slightly less efficient method to obtain and compare quotes online requires you to visit the website of each company to complete their respective quote request forms. For sake of this example, let’s say you want to compare Allstate, Geico and GMAC. To get each rate you have to visit each site and enter your 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.

Which method you use is up to you, but make darn sure you compare apples-to-apples coverages on every quote you get. If you compare different deductibles it’s impossible to make an equal comparison. Just a small difference in coverage limits can mean a large discrepancy in price. It’s important to know that having more price comparisons provides better odds of finding a better price.

How much car insurance do I need?

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

  • Should I rate my 1994 Dodge Ram Van as pleasure use or commute?
  • How much can I save by bundling my policies?
  • Am I covered if I wreck a rental car?
  • How do I file an SR-22 for a DUI in my state?
  • How high should my medical payments coverage be?
  • Should I buy only the required minimum liability coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverage specifics

Knowing the specifics of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability coverages

This provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like bail bonds, medical expenses, court costs, emergency aid and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, falling objects, a broken windshield and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as X-ray expenses, EMT expenses, funeral costs, nursing services and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Ram Van.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

Collision insurance pays for damage to your Ram Van resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, colliding with another moving vehicle, backing into a parked car and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

At the end of the day…

We’ve covered a lot of tips how to shop for 1994 Dodge Ram Van insurance online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with an unexpected company.

The cheapest insurance can be found online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

When trying to cut insurance costs, you should never buy poor coverage just to save money. There are a lot of situations where someone dropped physical damage coverage only to regret at claim time they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Even more information can be found in these articles: