1995 Dodge Ram Wagon Car Insurance Rates

Feel like you’re a prisoner to an overpriced auto insurance policy? Trust us, you’re not the only one. Consumers have many insurance companies to buy insurance from, and though it is a good thing to have a selection, it makes it harder to compare company pricing.

You need to compare rates quite often since rates change quite often. Even if you got the best price for Ram Wagon coverage six months ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate one of the quickest ways to lower your rates without sacrificing coverage.

Dodge Ram Wagon premiums are determined by many factors

Consumers need to have an understanding of the rating factors that come into play when calculating your car insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get better car insurance rates.

  • Frequent car insurance claims increase rates – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Insurance companies provide cheaper rates to people who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the large, substantial claims.
  • Safer occupants lowers premiums – Cars with high safety ratings get lower rates. Safe vehicles protect occupants better and better occupant protection means less money paid by your insurance company and lower rates for you. If your Dodge Ram Wagon is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Do you need the policy add-ons? – There are a lot of extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and additional equipment coverage may be costing you every month. They may seem like a good idea initially, but now you might not need them so get rid of them and save.
  • Your location is important – Being located in a rural area is a positive aspect when talking about car insurance. Less people living in that area means fewer accidents. Drivers who live in large cities have more traffic problems and much longer commute distances. More time commuting means higher likelihood of an accident.

Pay less for 1995 Dodge Ram Wagon insurance

Auto insurance companies don’t always list every available discount very well, so we break down both well-publicized as well as the least known discounts you could be receiving. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Senior Discount – If you’re over the age of 55, you may receive better car insurance rates for Ram Wagon coverage.
  • Safety Course Discount – Taking a defensive driving course could cut 5% off your bill if your company offers it.
  • One Accident Forgiven – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Resident Student – Youth drivers who are attending college and don’t have a car may be able to be covered for less.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Ram Wagon coverage with a few car insurance companies.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free car insurance policy, it doesn’t quite work that way.

Companies who might offer some of the above discounts are:

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

Misconceptions in auto insurance advertisements

Drivers can’t get away from ads that promise big savings from the likes of 21st Century, Allstate and State Farm. They all make an identical promise that you can save if you change your coverage to them.

But how can every company say the same thing?

All companies have a certain “appetite” for the right customer that makes them money. A good example of a preferred risk might be profiled as between 30 and 50, is a homeowner, and drives newer vehicles. Any new insured that hits that “sweet spot” is entitled to the best price and most likely will save when switching.

Potential insureds who don’t measure up to this ideal profile will be charged higher rates which leads to business going elsewhere. The ad wording is “customers that switch” not “people who quote” save that kind of money. That’s why insurance companies can confidently advertise the savings. That is why drivers should quote coverage with many companies. Because you never know the company that will give you the biggest savings on Dodge Ram Wagon insurance.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. For example, these questions may help you determine if your insurance needs will benefit from professional help.

  • Are my friends covered when driving my car?
  • Do I need roadside assistance coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered if I crash into my own garage door?
  • Is rental equipment covered for theft or damage?
  • Is business property covered if stolen from my car?
  • Is my state a no-fault state?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage if my license is suspended?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance coverage considerations

Having a good grasp of auto insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by auto insurance companies.

Liability coverage

This protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, court costs and medical services. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like chiropractic care, ambulance fees, nursing services, X-ray expenses and EMT expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, damage from getting keyed and theft. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Ram Wagon.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as scraping a guard rail, colliding with another moving vehicle, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

A penny saved is a penny earned

When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. There have been many cases where an insured dropped collision coverage and learned later that it was a big error on their part. Your strategy should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

In this article, we covered many ways to lower your 1995 Dodge Ram Wagon insurance rates. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced auto insurance comes from a small local company. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

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