Compare 1996 Dodge Ram Wagon Insurance Quotes

Trying to find the cheapest auto insurance rates for your Dodge Ram Wagon? Finding lower rates for auto insurance can be a challenge for consumers not familiar with buying insurance online. Consumers have so many choices that it can turn into a big hassle to compare prices.

This information will tell you the most effective way to quote insurance. If you have car insurance now, you should be able to save some money using this information. Nevertheless, vehicle owners can benefit from knowing the way companies sell insurance online and apply this information to your search.

How to Buy Insurance Coverage Online

There are several ways of comparing rate quotes and find the best price. The simplest method to find the cheapest 1996 Dodge Ram Wagon insurance rates is to get quotes online. This can be done in a couple of different ways.

  1. The recommended way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This form keeps you from doing repetitive form entry for every insurance coverage company. One quote request will return quotes instantly. This is perfect if you don’t have a lot of time.
  2. A harder way to obtain and compare quotes online is to take the time to go to the website of each company to complete a price quote. For example, let’s say you want to compare rates from Farmers, Progressive and Allstate. To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just compare the exact same quote information on every quote you get. If you use different deductibles it’s impossible to truly determine the lowest rate. Having just a slight variation in coverage limits may result in a large different in cost. Keep in mind that obtaining a wide range of quotes helps you find better pricing.

Discounts are available to cut your rates

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but a few need to be asked about before being credited.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on Ram Wagon insurance with select insurance companies.
  • Sign Online – Certain companies give back up to $50 simply for signing online.
  • Sign Early and Save – Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.

Keep in mind that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will help reduce the amount you have to pay.

A partial list of companies that may offer some of the above discounts are:

Check with each company how you can save money. Some discounts may not be available in your area.

Everyone needs different coverages

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

For example, these questions might point out if you may require specific advice.

  • What if I total my 1996 Dodge Ram Wagon and owe more than it’s worth?
  • Should I buy additional glass protection?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my babysitter covered when using my vehicle?
  • Is my cargo covered for damage or theft?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

What determines your Dodge Ram Wagon insurance premium

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for auto insurance. Understanding what determines base rates enables informed choices that can help you get much lower annual insurance costs.

The list below includes a partial list of the pieces auto insurance companies consider when setting your rates.

  • Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. They both tend to get into accidents at a similar rate, but men have costlier accidents. Men also have more aggressive citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • High crash test scores lower rates – Cars with high safety ratings tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies and lower rates for you. If your Dodge Ram Wagon has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Where you live is a factor – Residing in a small town has it’s advantages when buying auto insurance. Fewer drivers means reduced accidents. City drivers tend to have congested traffic and much longer commute distances. Longer commute distances translates into higher accident risk.
  • Multi-policy discounts can save money – Many auto insurance companies give discounts to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to compare other company rates to make sure you are getting the best deal.
  • Theft deterrents lower rates – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • No coverage gaps is important – Allowing your coverage to lapse will be a guaranteed way to bump up your auto insurance costs. Not only will rates go up, getting caught without coverage can result in a steep fine or even jail time.
  • The more you drive the more you pay – Driving more miles in a year’s time the more you will pay for auto insurance. Most companies charge to insure your cars based upon how you use the vehicle. Cars not used for work or commuting get more affordable rates compared to those used for work or business. If your policy improperly rates your Ram Wagon can cost quite a bit. Ask your agent if your auto insurance coverage is showing the proper vehicle usage.

Save $443 a year? Really?

Companies like State Farm and Allstate consistently run television and radio advertisements. All the ads say the same thing of big savings if you change to them. How do they all say the same thing? It’s all in the numbers.

All companies can use profiling for the right customer that earns them a profit. For instance, a desirable insured might be profiled as between 25 and 40, has no tickets, and has a high credit rating. Any new insured who meets those qualifications is entitled to the best price and therefore will save when switching.

Potential customers who don’t measure up to the “perfect” profile will be charged a higher premium which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much. This is how insurance companies can confidently advertise the way they do.

That is why it is so important to get quotes from several different companies. It’s not possible to predict which insurance companies will provide you with the cheapest Dodge Ram Wagon insurance rates.

Specifics of your insurance policy

Having a good grasp of a insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Ram Wagon.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, hail damage, theft, rock chips in glass and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

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 coverage protects against things such as hitting a mailbox, colliding with a tree, driving through your garage door and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage can cover damages or injuries you inflict on other people or property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as funeral expenses, court costs and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like funeral costs, surgery, doctor visits, pain medications and dental work. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Keep this in mind

People switch companies for any number of reasons including policy non-renewal, questionable increases in premium, policy cancellation and even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new company is not as hard as you think.

We’ve covered many ideas to get a better price on 1996 Dodge Ram Wagon insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the most savings is with a smaller regional carrier.

Discount insurance is possible on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some insurance providers may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

More tips and info about insurance coverage can be found by following these links: