1991 Dodge Ram Van Insurance Rates

Trying to find lower insurance coverage rates for your Dodge Ram Van? When trying to find more affordable insurance, do you get frustrated by the wide range of insurance coverage providers? You’re not alone. Vehicle owners have such a large number of options that it is a ton of work to find better insurance coverage rates.

The quickest method we recommend to compare car insurance rates is to know the fact almost all companies will pay a fee to compare their rates. The one thing you need to do is take a few minutes to give details like deductibles desired, your credit rating estimate, if your license is active, and if you lease or own. That rating information is instantly sent to multiple insurance providers and they return rate quotes instantly to find the best rate.

To compare rates now, click here and see if a lower rate is available.

These discounts can lower your insurance quotes

Companies offering auto insurance don’t always advertise every available discount very well, so the following is a list of some of the best known as well as some of the hidden credits available to you.

  • Full Payment Discount – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Federal Employees – Active or former government employment could provide a small rate reduction for Ram van coverage with a few insurance companies.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
  • Lower Rates for Military – Being deployed in the military could be rewarded with lower premium rates.
  • College Student Discount – Any of your kids who live away from home at college and do not have a car can be insured at a reduced rate.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to wear their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.

One last thing about discounts, most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance policy, insurance companies wouldn’t stay in business.

Car insurance companies that may offer quotes with some of the discounts shown above are:

Double check with every prospective company what discounts are available to you. Some credits may not apply to policies in your state. To see a list of providers that can offer you the previously mentioned discounts, follow this link.

Different people need different car insurance coverages

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Am I missing any policy discounts?
  • What vehicles should carry emergency assistance coverage?
  • Can my teen drive my company car?
  • Are all vehicle passengers covered by medical payments coverage?
  • When should I buy a commercial auto policy?
  • How much liability do I need to cover my assets?
  • Does my 1991 Dodge Ram Van need full coverage?
  • Can I afford to buy a different vehicle if my 1991 Dodge Ram Van is totaled?
  • Am I covered when using my vehicle for business?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Specific coverages for a Dodge Ram Van

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, falling objects, hitting a deer and rock chips in glass. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance – Liability coverage will cover damage that occurs to other people or property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see 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 property damage coverage for $100,000. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like court costs, pain and suffering and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical costs insurance – Med pay and PIP coverage pay for expenses for surgery, rehabilitation expenses, funeral costs, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your Ram Van resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a ditch, backing into a parked car, sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

UM/UIM Coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Dodge Ram Van.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.