Cheaper 1997 Dodge Ram Van Car Insurance Cost

Searching for cheaper insurance for a Dodge Ram Van can normally be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the quickest way to quote coverages for a Dodge and get the lowest possible price.

Finding affordable coverage is quite easy. If you have a current insurance policy or need a new policy, you can learn to get lower rates and still get good coverage. Consumers just need to understand the proper way to compare price quotes over the internet.

Compare Insurance Coverage Costs

Comparing insurance coverage rates can be a lot of work if you don’t understand the most efficient way to do it. You could spend your day talking about coverages with local insurance agents in your area, or you can utilize online quotes to quickly compare rates.

All the larger companies take part in a program that enables customers to only type in their quote data once, and each participating company provides a quote based on the submitted data. This saves time by eliminating form submissions for every insurance coverage company.

To find out what other companies charge for 1997 Dodge Ram Van insurance click here to open in new window.

The single downside to pricing coverage this way is you cannot specify which companies you want to price. If you prefer to choose from a list of companies to compare rates, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples coverage limits and deductibles for every quote you compare. If you have higher or lower deductibles it’s not possible to truly determine the lowest rate.

Everyone needs different coverages

When buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether you will benefit from professional help.

Where can I find high-risk insurance?
Am I covered when driving on a suspended license?
Do I need motorclub coverage?
Where can I find DUI or SR-22 insurance?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Am I covered when pulling a rental trailer?
Is my 1997 Dodge Ram Van covered for smoke damage?
When can I cancel my policy?
How much liability coverage do I need in my state?
What is the rate difference between pleasure use and commuting?

If it’s difficult to answer those questions but you think they might apply to your situation, 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. It only takes a few minutes and may give you better protection.

Learn about insurance coverages for a Dodge Ram Van

Learning about specific coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills for EMT expenses, prosthetic devices and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Ram Van resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like rolling your car, crashing into a building, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Ram Van.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, hitting a deer, fire damage and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

Liability insurance provides protection from damage or injury you incur to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims like repair costs for stationary objects, medical expenses, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.