1997 Dodge Ram Wagon Insurance Rates

Want cheaper auto insurance rates for your Dodge Ram Wagon? Nobody likes paying for auto insurance, in particular when their premiums are too high. Online insurance companies like State Farm and Geico promote their brand names with advertising and it is difficult to separate fact from fiction and find the best price available.

Consumers need to compare prices at least once a year since rates are usually higher with each renewal. Just because you found the best rates on Ram Wagon insurance a year ago a different company probably has better rates today. Don’t believe everything you read about auto insurance online, so we’re going to give you some tested techniques to put money back in your pocket.

If you have insurance now or need new coverage, you can use these tips to find better prices while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Drivers just need to know the most effective way to get comparison quotes online.

Take discounts and save

The cost of insuring your cars can be expensive, but companies offer discounts that many people don’t even know exist. Some trigger automatically when you get a quote, but a few must be requested specifically before being credited. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Save over 55 – Older drivers may receive a discount up to 10% on Ram Wagon insurance.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for a substantially lower rate.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Accident Free – Drivers who don’t have accidents can earn big discounts compared to bad drivers.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Ram Wagon insurance with select insurance companies.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, you won’t be that lucky. Any amount of discount will cut the cost of coverage.

Insurance companies who might offer these benefits are:

Check with each insurance company how you can save money. Some discounts might not apply in your area.

Which policy gives me the best coverage?

When it comes to buying the best car insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might point out whether you might need professional guidance.

  • Is a fancy paint job covered?
  • Is my camper covered by my car insurance policy?
  • What can I do if my company won’t pay a claim?
  • Is rental equipment covered for theft or damage?
  • Do I need PIP coverage since I have good health insurance?
  • What exactly is covered by my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • How can I find cheaper teen driver insurance?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Car insurance policy coverages for a Dodge Ram Wagon

Having a good grasp of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types available from car insurance companies.

UM/UIM Coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Ram Wagon.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as vandalism, fire damage, falling objects, a tree branch falling on your vehicle and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, backing into a parked car, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Auto liability insurance – This will cover damage or injury you incur to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair costs for stationary objects, legal defense fees, bail bonds, funeral expenses and medical expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Medical costs insurance – Coverage for medical payments and/or PIP pay for bills for prosthetic devices, funeral costs and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Be a money saver!

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped full coverage to discover at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at the best price.

In this article, we covered a lot of information how to reduce 1997 Dodge Ram Wagon insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even discover the best prices are with a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

Much more information about insurance coverage is located at the links below