Cheaper 1990 Dodge RAM 350 Car Insurance Cost

Looking for lower car insurance rates for your Dodge RAM 350? Feeling guilty for buying overpriced car insurance? It’s quite common and many consumers are in the same pinch. Due to the abundance of companies and agents to choose from, it can be impossible to find the most cost effective insurance company.

Buy insurance online

All the larger insurance companies make it easy to get prices on their websites. Comparing rates online is pretty easy because it’s just a matter of typing in the coverage amounts you desire as requested by the quote form. Once you submit the form, their quoting system orders your driving and credit reports and gives you a price quote based on the information you submitted. This helps simplify price comparisons, but the time it takes to visit a lot of sites and type in the same information gets old quite quickly. But it’s very important to get many rate quotes if you want to get a better rate.

The smarter way to lower your insurance bill uses one simple form that analyzes rates from a bunch of companies at once. This type of form saves time, requires less work, and makes rate comparisons much easier. As soon as you send your information, your coverage is rated and you can select any of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and buy the new coverage. This process can be completed in less than 10 minutes and may result in a nice savings.

To compare pricing, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend that you enter the coverages identical to your current policy. This guarantees you will get comparison quotes for the exact same coverage.

Discounts can really help to save

Insurance is neither fun to buy or cheap, but discounts can save money and there are some available that can drop the cost substantially. Some of these disounts will be visible at quote time, but a few need to be manually applied before you will receive the discount.

  • Driving Data Discount – Drivers who agree to allow their insurance company to monitor driving patterns by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they have good driving habits.
  • Life Insurance – If the company offers life insurance, you could get a small discount if you purchase some life insurance too.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Discount for Low Mileage – Keeping the miles down on your Dodge could be rewarded with substantially lower prices.
  • Early Switch Discount – A few insurance companies offer discounts for signing up before your current expiration date. The savings is around 10%.
  • Active Service Discounts – Having a family member in the military may qualify for rate reductions.
  • Good Drivers – Drivers who don’t get into accidents can save as much as half off their rates on RAM 350 insurance than less cautious drivers.
  • Save with More Vehicles Insured – Buying coverage for several vehicles with the same company can get a discount for every vehicle.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents and earn discounts up to 10%.
  • Club Memberships – Being a member of certain professional organizations may earn a discount when shopping for insurance.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

Companies and the discounts they provide are detailed below.

  • Mercury Insurance includes discounts for location of vehicle, anti-theft, multi-policy, ease of repair, low natural disaster claims, and accident-free.
  • Farmers Insurance offers premium reductions for pay in full, switch companies, teen driver, business and professional, and distant student.
  • Farm Bureau policyholders can earn discounts including multi-policy, safe driver, youthful driver, renewal discount, 55 and retired, multi-vehicle, and good student.
  • State Farm may have discounts that include Drive Safe & Save, passive restraint, multiple autos, accident-free, safe vehicle, multiple policy, and good driver.
  • Allstate may include discounts for senior citizen, premier discount, eSmart discount, premier plus, and resident student.
  • GEICO offers discounts including membership and employees, federal employee, multi-policy, air bags, and multi-vehicle.

When getting free insurance quotes, it’s a good idea to every insurance company how you can save money. A few discounts may not apply to policies in your area. To see providers who offer cheap insurance quotes, follow this link.

Will just any policy work for me?

When buying proper insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions could help you determine whether you could use an agent’s help.

  • Why am I required to buy liability insurance?
  • What is an SR-22 filing?
  • Why is insurance for a teen driver so high?
  • Does liability extend to a camper or trailer?
  • What if I owe more than I can insure my car for?
  • What is covered by UM/UIM coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does medical payments coverage apply to all occupants?
  • Am I missing any policy discounts?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Learn about insurance coverages for a 1990 Dodge RAM 350

Knowing the specifics of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for funeral costs, dental work, prosthetic devices, EMT expenses and ambulance fees. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge RAM 350.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive protection

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, falling objects and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

This can cover damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. Liability 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. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as loss of income, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Collision coverage protection

This will pay to fix damage to your RAM 350 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.