Lower Your 1991 Dodge RAM 250 Insurance Quotes

Looking for lower car insurance rates for your Dodge RAM 250? Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse.

You have multiple auto insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, more options can take longer to find the lowest cost provider.

Lower your insurance rates

It’s important that you understand the factors that help determine your premiums. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to lower premium levels.

  • Don’t skimp on liability insurance – Liability coverage kicks in if ever a jury decides you are liable for personal injury or accident damage. Your liability coverage provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to other policy coverages, so do not cut corners here.
  • Urban residents pay more – Having an address in small towns and rural areas can be a good thing when it comes to auto insurance. Drivers who live in large cities have to deal with more aggressive driving styles and more time behind the wheel. Less people living in that area corresponds to lower accident rates as well as less vandalism and auto theft.
  • How credit score affects auto insurance costs – Having a bad credit score is a large factor in calculating your auto insurance rates. Drivers with good credit tend to be better risks to insure than those with lower ratings. So if your credit can be improved, you could potentially save money when insuring your 1991 Dodge RAM 250 by improving your credit score.
  • Multiple policies with one company can save – Most insurance companies afford a discount to clients that purchase more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, you still need to shop around to verify if the discount is saving money.
  • Teenage drivers pay more – Youthful drivers tend to be inattentive when behind the wheel so they pay higher auto insurance rates. Older people have been proven to be more responsible, are lower risk to insure and tend to be get fewer driving tickets.
  • Careless driving leads to higher rates – Being a careful driver has a huge affect on how much you pay. Good drivers get better prices compared to drivers with tickets. Even one chargable violation may increase your cost by twenty percent. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state DMV in order to continue driving.
  • Pleasure use or commuting – Driving more miles every year the higher your rates will be. Most companies calculate prices determined by how the vehicle is used. Vehicles not used for work or commuting receive lower rates than those used for commuting. Incorrect rating for your RAM 250 may be costing you. Make sure your auto insurance declarations sheet is showing the correct usage, because it can save money.

Ways to get car insurance quotes

There are multiple methods you can shop for car insurance and some are more efficient than others. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could save time and use the web to accomplish the same thing much quicker.

Many companies belong to an insurance system that allows shoppers to submit one quote, and each company returns a competitive quote for coverage. This prevents consumers from doing quote forms for each company you want a rate for.

To use this form to compare rates click to open in new window.

The only drawback to comparing rates this way is you are unable to specify the providers to get quotes from. So if you prefer to choose individual companies to compare, we put together a list of low cost car insurance companies in your area. Click to view list.

The approach you take is up to you, just do your best to enter the exact same information for every quote you compare. If you use different liability limits you will not be able to find the best deal for your Dodge RAM 250. Having just a slight variation in insurance coverages may result in large price differences. And when quoting car insurance, remember that comparing all the rates in your area helps locate more affordable rates.

Earn discounts to get lower-cost auto insurance rates

Companies that sell car insurance don’t always list every discount they offer in an easy-to-find place, so the list below contains both well-publicized and the harder-to-find credits available to you.

  • Distant Student Discount – who live away from home to go to college without a vehicle on campus may qualify for this discount.
  • Clubs and Organizations – Having an affiliation with certain professional organizations is a simple method to lower premiums when shopping for auto insurance.
  • Telematics Data Discounts – Insureds who allow data collection to analyze driving patterns by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if their driving habits are good.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can avoid monthly service charges.
  • First Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies may permit one accident before your rates go up if your claims history is clear for a set time period.
  • Discount for Life Insurance – Select auto insurance companies reward you with a discounted premium rate on car insurance if you buy life insurance from them.
  • Defensive Driver – Passing a defensive driving class can save you 5% or more and easily recoup the cost of the course.
  • Federal Government Employee – Active or former government employment could qualify for a slight premium decrease for RAM 250 coverage but check with your company.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, nobody gets a free ride. Any qualifying discounts will cut your policy cost.

Some of the larger companies that may have these money-saving discounts include:

It’s a good idea to ask every insurance company which discounts you may be entitled to. Some credits may not apply to policyholders in every state. To see a list of companies who offer cheap auto insurance quotes, click here to view.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

  • Can I drive in Mexico and have coverage?
  • Does medical payments coverage apply to all occupants?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my 1991 Dodge RAM 250 covered for flood damage?
  • How can I force my company to pay a claim?
  • Does my medical payments coverage pay my health insurance deductible?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage information

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Dodge RAM 250.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from 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 coverage protects against claims such as hitting a bird, damage from getting keyed, damage from a tornado or hurricane, theft and hail damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like funeral costs, chiropractic care, X-ray expenses and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision coverage covers damage to your RAM 250 caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, hitting a mailbox, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Have the Midas touch

In this article, we covered quite a bit of information on how to reduce 1991 Dodge RAM 250 insurance rates online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your auto insurance rates. You may even discover the biggest savings come from an unexpected company. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

When you buy car insurance online, make sure you don’t buy poor coverage just to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at the best cost and still be able to protect your assets.

Cost effective 1991 Dodge RAM 250 insurance is possible online and from local insurance agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some companies do not provide price quotes online and most of the time these smaller providers only sell through independent insurance agencies.

Additional information