Compare 2001 Dodge Ram Cargo Insurance Quotes

Buyers have options when searching for the best price on Dodge Ram Cargo insurance. They can either waste time contacting agents getting price quotes or leverage the internet to compare rates.

There are more efficient ways to find car insurance online so we’re going to tell you the quickest way to compare rates on a Dodge and get the best price possible from both online companies and local agents.

The purpose of this article is to help educate you on how to get online quotes. If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. Consumers just need to understand the proper methods to shop on the web.

The quickest way to compare insurance rates in your area takes advantage of the fact almost all companies will pay a fee to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a little information such as the year, make and model of vehicles, if the vehicle is leased, your credit rating estimate, and if a SR-22 is required. That information is automatically sent to all major companies and you should receive rate quotes immediately.

Discounts can save BIG

Car insurance can cost a lot, but companies offer discounts to cut the cost considerably. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be specially asked for prior to getting the savings. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Homeowners Pay Less – Being a homeowner can help you save on insurance because owning a home is proof that your finances are in order.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Ram Cargo insurance than less cautious drivers.
  • Distant Student – Children who are attending college and don’t have a car can be insured at a reduced rate.
  • Driver Safety – Taking a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Senior Discount – Older drivers may be able to get a small decrease in premiums on Ram Cargo insurance.
  • Accident Forgiveness – Certain companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.

Keep in mind that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will help reduce your overall premium however.

Companies who might offer these money-saving discounts include:

Check with all companies you are considering which discounts you may be entitled to. Some discounts may not be available in your area.

Will just any policy work for me?

When it comes to buying coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

These are some specific questions can help discover if your situation will benefit from professional help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can my teen drive my company car?
  • Am I covered when driving in Canada or Mexico?
  • Where can I get insurance after a DUI in my state?
  • What companies insure drivers after a DUI or DWI?
  • I have health insurance so do I need medical payments coverage?
  • Should I have a commercial auto policy?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage options for a 2001 Dodge Ram Cargo

Knowing the specifics of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, hitting a deer, hitting a bird and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses for dental work, doctor visits, hospital visits, surgery and funeral costs. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability

This provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as emergency aid, structural damage and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Ram Cargo.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage protection

This will pay to fix damage to your Ram Cargo from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, colliding with another moving vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.