Cheap 1994 Dodge Ram Wagon Insurance Rates

Want cheaper insurance rates for your Dodge Ram Wagon? No one cherishes buying insurance, particularly when they are paying too much.

Multiple insurers compete to insure your vehicles, and because of this it can be hard to compare insurance companies and uncover the absolute lowest rate possible.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these techniques. Buying car insurance is easy if you know what you’re doing. Although car owners can benefit from knowing the way companies price insurance differently and take advantage of how the system works.

Comprehensive Auto Insurance Comparison

When shopping for auto insurance there are multiple ways to compare quotes from local auto insurance companies. The best way to find competitive 1994 Dodge Ram Wagon insurance rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

The fastest way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for repetitive form entry for each company. Just one form will get you price quotes instantly.

A more difficult way to compare rate quotes requires a trip to each individual company website and request a quote. For examples sake, we’ll assume you want to compare Auto-Owners, State Farm and Progressive. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

However you get your quotes, be sure to compare identical coverages with every price quote. If you are comparing different liability limits you will not be able to make an equal comparison. Having just a slight variation in coverages can mean a large discrepancy in price. Just keep in mind that quoting more helps locate a better price.

Pay less for Dodge Ram Wagon insurance

Car insurance companies don’t list all available discounts in a way that’s easy to find, so we took the time to find some of the more common and the more hidden ways to save on auto insurance.

  • Multiple Policy Discount – When you have multiple policies with the same company you will save at least 10% off all policies.
  • Good Students Pay Less – This discount can save 20 to 25%. This discount can apply until age 25.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Ram Wagon insurance than drivers with accidents.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for Ram Wagon insurance with certain companies.

Keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of providers who offer auto insurance discounts, follow this link.

Dodge Ram Wagon rates are in the details

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for insurance. Understanding what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

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

  • Discounts for multiple policies – The majority of insurance companies will award you with lower prices to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to compare other company rates to ensure the best deal.
  • Don’t get talked into coverage you don’t need – There are a ton of extra coverages that you can get tricked into buying on your Ram Wagon policy. Insurance for personal injury protection, accidental death and additional equipment coverage may be wasting your money. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
  • High deductibles save money – Physical damage deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more you have to pay, the less your company will charge you for insurance for Ram Wagon insurance.
  • You might want pay the small claims yourself – Insurance companies give cheaper rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is designed for the large, substantial claims.
  • Traffic violations increase rates – Your driving citation history has a lot to do with how much you pay for insurance. Just one moving violation can bump up the cost twenty percent or more. Drivers who don’t get tickets receive lower rates than bad drivers. Drivers who have serious citations like DUI or reckless driving may need to file a SR-22 with their state DMV in order to continue driving.
  • Safer occupants lowers premiums – Vehicles with high crash test scores are cheaper to insure. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Dodge has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Your stress level may be raising your rates – Occupations like doctors, executives and stock brokers tend to have the highest rates in part from stressful work requirements and lengthy work days. On the other hand, jobs such as actors, students and retirees receive lower rates for Ram Wagon insurance.
  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is illegal and insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, getting caught without coverage can result in a steep fine or even jail time.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions might point out if you would benefit from professional advice.

  • Should I buy additional glass protection?
  • Do I need PIP coverage since I have good health insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How much liability do I need to cover my assets?
  • Are my friends covered when driving my car?
  • Who is covered by my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Can you really save that much by switching?

Allstate and Progressive consistently run ads on television and other media. All the companies have a common claim that you’ll save big if you change your coverage to them. How does each company make the same claim? This is how they do it.

All companies have a certain “appetite” for the type of customer that is profitable for them. For instance, a driver they prefer might be over the age of 40, has no tickets, and has a short commute. Any new insured who meets those qualifications will get the preferred rates and therefore will save when switching.

Consumers who don’t qualify for the “perfect” profile will have to pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently make the claims of big savings. Because of the profiling, drivers should get quotes from several different companies. You cannot predict which insurance coverage company will provide you with the cheapest Dodge Ram Wagon insurance rates.

Learn about car insurance coverages for a 1994 Dodge Ram Wagon

Knowing the specifics of car insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on the average car insurance policy.

Collision coverage

Collision insurance covers damage to your Ram Wagon resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, driving through your garage door, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to people or other property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like medical expenses, medical services and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, fire damage, hitting a deer, a broken windshield and rock chips in glass. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Wagon.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills for surgery, hospital visits, doctor visits, chiropractic care and nursing services. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Feed the piggy bank

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are too many instances where someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Affordable 1994 Dodge Ram Wagon insurance can be bought on the web as well as from independent agents, and you should be comparing both to have the best rate selection. Some companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

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