Lower Your 1999 Dodge Ram Van Car Insurance Rates

Sick and tired of not being able to afford to pay your car insurance bill each month? You are no different than many other consumers.

You have multiple insurers to purchase coverage from, and although it’s nice to have multiple companies, so many choices can make it hard to find a good deal.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. But vehicle owners can benefit by having an understanding of how insurance companies market insurance on the web and take advantage of how the system works.

Quick Auto Insurance Quotes

All the larger auto insurance companies quote prices for coverage on their websites. Getting online quotes is pretty painless as you simply enter your coverage information as requested by the quote form. After the form is submitted, their system will obtain your credit score and driving record and gives you a price quote based on these factors. Online price quotes makes comparing rates easy, but having to visit multiple sites and complete many quote forms is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible if you want to find the lowest possible prices on auto insurance.

An easier way to compare rates uses one simple form that gets price quotes from several different companies. It saves time, eliminates form submissions, and makes quoting online a little more enjoyable. Once the form is submitted, it gets priced with multiple companies and you can pick any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process can be completed in less than 10 minutes and may result in a nice savings.

To quickly find out how much you can save on auto insurance, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you replicate the coverage information identical to your current policy. This helps ensure you will get rate quotes using the exact same coverages.

Elements that influence Dodge Ram Van insurance rates

It’s important that you understand the factors that play a part in calculating your car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to big savings.

Shown below are some of the factors car insurance companies consider when setting prices.

  • Higher deductibles cost less – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Dodge. Examples of covered claims could be collision with another vehicle, collision with an animal, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend out-of-pocket in the event of a claim. The more money you’re willing to pay, the bigger discount you will receive for Ram van coverage.
  • Choose a safe vehicle and save – Safer cars tend to have better insurance rates. The safest vehicles reduce injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If the Dodge Ram Van has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Younger drivers pay higher rates – Mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers have a tendency to be less responsible in a vehicle therefore car insurance rates are much higher.
  • Do you need those extra coverages? – There are quite a few extra coverages that you can buy on your car insurance policy. Coverages like roadside assistance, towing coverage and additional equipment coverage may be costing you every month. They may seem good at first, but now you might not need them so get rid of them and save.
  • Save money with special equipment – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • Careful drivers pay lower rates – Careful drivers get better rates than people who have multiple driving citations. Only having one moving violation can boost insurance rates by as much as thirty percent. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.

Companies offer discounts so take them!

Companies offering auto insurance don’t always list all their discounts very clearly, so we break down some of the more common and the harder-to-find discounts you could be receiving.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying your policy over the internet.
  • Student in College – Kids in college who are attending college and don’t have a car may qualify for this discount.
  • Good Student – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Clubs and Organizations – Belonging to certain professional organizations could trigger savings when buying insurance coverage for Ram van coverage.
  • Accident Free – Good drivers with no accidents pay much less when compared to frequent claim filers.
  • Save over 55 – Older drivers can possibly qualify for reduced rates for Ram van coverage.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill if you qualify.

It’s important to understand that most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Insurance companies that possibly offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. Discounts might not apply everywhere.

Do I just need basic coverages?

When buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your situation will benefit from professional help.

  • Is pleasure use cheaper than using my 1999 Dodge Ram Van to commute?
  • Does insurance cover damages from a DUI accident?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my Dodge Ram Van covered if I use it for business?
  • Should I have a commercial auto policy?
  • Does medical payments coverage apply to all occupants?
  • Is business equipment covered while in my vehicle?

If you don’t know the answers to 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, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverage information

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like chiropractic care, funeral costs, prosthetic devices and X-ray expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Dodge Ram Van.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage

This 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 a tree branch falling on your vehicle, damage from a tornado or hurricane and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

Liability coverage can cover damage that occurs to a person or their property. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like bail bonds, repair bills for other people’s vehicles, medical expenses and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

This pays for damage to your Ram Van resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, scraping a guard rail, sideswiping another vehicle, colliding with a tree and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Take this to the bank

Cheap 1999 Dodge Ram Van insurance is definitely available on the web and with local insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer online price quotes and these regional insurance providers work with independent agents.

In this article, we covered a lot of information how to save on insurance. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from the least-expected company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

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