How Much Does 1996 Dodge Ram Van Car Insurance Cost?

Trying to find better insurance coverage rates for your Dodge Ram Van? Scraping up a payment for overpriced Dodge Ram Van insurance can empty your checking account and force you to make sacrifices. Doing a price comparison is a great way to reduce premiums and put more money in your pocket. Many insurance companies vie for your business, so it’s not easy to compare every company and uncover the absolute lowest rate possible.

If you have a current car insurance policy or need new coverage, you can learn to find better prices while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Consumers only need to know the best way to get comparison quotes on the web.

How to Lower Your Auto Insurance Cost

All the larger auto insurance companies provide prices on the web. The process doesn’t take much effort as you simply enter your coverage information into the quote form. When complete, the system automatically retrieves reports for credit and driving violations and returns a price. Online quotes simplifies rate comparisons, but the process of having to visit each company’s website and repetitively fill out multiple forms gets old quite quickly. But it’s absolutely necessary to do this if you want to find better auto insurance pricing.

The quickest way to lower your rates makes use of a single form that gets price quotes from a bunch of companies at once. It’s a real time-saver, requires less work, and makes online quotes much easier to do. Once the form is submitted, your coverage is rated with multiple companies and you can pick any of the quote results. If the quotes result in lower rates, you simply finish the application and purchase the new policy. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

To quickly find out what other companies charge, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you copy coverages and limits identical to your current policy. This makes sure you will have a fair comparison for similar insurance coverage.

Discounts are basically free money

Companies that sell car insurance do not list all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of approximately 10% to 15%.
  • Accident Waiver – A few companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
  • Resident Student – Kids in college living away from home attending college and do not have a car can receive lower rates.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Claim Free – Good drivers with no accidents can save substantially when compared to drivers who are more careless.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Club Memberships – Participating in a professional or civic organization may earn a discount on insurance for Ram van insurance.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for Ram van insurance.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Ram van insurance than less cautious drivers.

Consumers should know that many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates you could get a free insurance policy, it doesn’t quite work that way.

Companies that may offer these money-saving discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings may not be available in every state.

Which insurance is the “right” coverage?

When choosing adequate coverage, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if you would benefit from professional advice.

  • How much liability do I need to cover my assets?
  • Does my medical payments coverage pay my health insurance deductible?
  • Why am I required to buy high-risk coverage?
  • Does my 1996 Dodge Ram Van qualify for pleasure use?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why am I required to buy liability insurance?
  • Should I buy only the required minimum liability coverage?
  • Where can I get insurance after a DUI in my state?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Coverages available on your insurance policy

Learning about specific coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses such as ambulance fees, rehabilitation expenses, surgery, EMT expenses and dental work. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Ram Van.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability coverage

This coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as attorney fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, hail damage, damage from a tornado or hurricane and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage pays for damage to your Ram Van caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.