Save on 1996 Dodge Ram Van Insurance Rates

Consumers who are new to comparison shopping online are likely to discover sourcing inexpensive auto insurance is tougher than they thought.

Consumers need to compare prices at least once a year because insurance coverage prices are rarely the same from one policy term to another. Even if you got the best rates on Ram van coverage at your last renewal you will most likely find a better rate quote today. Block out anything you think you know about insurance coverage because you’re about to learn one of the best ways to reduce your cost while improving coverage.

If you have car insurance now, you should be able to save some money using these techniques. The purpose of this post is to let you in on how car insurance quotes work. But vehicle owners benefit from understanding how big insurance companies market on the web.

How to compare insurance rate quotes

To find the best insurance rates, there are several ways to compare prices from many insurance companies in your state. The best way to compare Dodge Ram Van insurance prices involves getting comparison quotes online. It’s really quite simple and can be done by using one of the methods below.

One of the best ways to get quotes would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do separate forms for each company you want a rate for. Filling out one form will return quotes instantly. Recommended for those who want to invest the least amount of time.

A less efficient way to get comparison quotes is going to the website of each company and go through the quote process again. For sake of this example, we’ll assume you want to compare rates from Farmers, Allstate and GEICO. You would need to spend time on each company’s site and repeatedly enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, double check that you are using the exact same coverages on every price quote you get. If you are comparing different data it will be very difficult to find the best deal for your Dodge Ram Van. Even a minor difference in coverage limits may cause a big price difference. And when comparing insurance rates, know that comparing a wide range of rates increases your odds of finding more affordable rates.

The Dodge Ram Van insurance premium equation

Lots of factors are considered when pricing auto insurance. Some are obvious such as your driving history, but other factors are less apparent such as your marital status or how safe your car is.

  • Marriage can save on car insurance – Being married may cut your premiums on your policy. Having a spouse demonstrates that you tend to be more financially stable and statistics show married drivers tend to have fewer serious accidents.
  • Your gender affects rates – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. It does not mean females are better at driving than males. Women and men are responsible for auto accidents at about the same rate, but men have costlier accidents. Men also statistically receive more major tickets such as DWI and reckless driving.
  • Better prices with anti-theft devices – Selecting a car model with advanced anti-theft systems can help bring down rates. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Vocation stress can make you pay more – Occupations like real estate brokers, social workers and stock brokers usually pay higher premiums than the average policyholder because of intense work requirements and long work days. Conversely, careers such as farmers, students and retirees pay the least on Ram van coverage.
  • With age comes lower premiums – Young drivers have been known to be easily distracted in a vehicle and because of this, their car insurance rates are much higher. Mature drivers are shown to be more cautious, statistically cause fewer accidents , and usually have better credit.
  • Credit rating impacts costs – Having a bad credit score factor in determining your rates. So if your credit rating can be improved, you could pay less to insure your 1996 Dodge Ram Van if you improve your credit rating. People that have very good credit scores tend to be more responsible and file fewer claims than drivers who have lower credit ratings.
  • Compare rates if you combine your policies – Some car insurance companies will give lower prices for people that have more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s always a smart idea to check prices from other companies to help guarantee you have the best rates.

Do you qualify for discount auto insurance?

Some companies don’t list every disount available in an easy-to-find place, so the following list contains both well-publicized and the more hidden credits available to bring down your rates.

  • Telematics Discount – Drivers who agree to allow data collection to analyze driving habits by using a telematic data system such as Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Ram van coverage than their less cautious counterparts.
  • Safety Restraint Discount – Requiring all passengers to buckle their seat belts can save a little off the PIP or medical payment premium.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in school or through a local driver safety program.
  • Defensive Driver – Taking a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Military Deployment Discount – Having a deployed family member could trigger a small discount.
  • E-sign – Many larger companies may give you up to $50 get auto insurance digitally online.
  • Discounts for Government Workers – Active or former government employment may reduce rates when you quote auto insurance on Ram van coverage but check with your company.
  • Organization Discounts – Belonging to certain professional organizations can get you a small discount on your policy.

While discounts sound great, it’s important to understand that most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

A list of auto insurance companies and their possible discounts are:

  • Farm Bureau offers premium reductions for good student, multi-vehicle, youthful driver, safe driver, multi-policy, and 55 and retired.
  • State Farm offers discounts for passive restraint, safe vehicle, student away at school, multiple autos, good student, and accident-free.
  • Progressive policyholders can earn discounts including multi-policy, continuous coverage, online signing, good student, multi-vehicle, and online quote discount.
  • Allstate may include discounts for senior citizen, 55 and retired, premier plus, eSmart discount, farm vehicle, defensive driver, and EZ pay plan discount.
  • Nationwide may offer discounts for easy pay, business or organization, good student, Farm Bureau membership, and multi-policy.
  • MetLife includes discounts for claim-free, multi-policy, defensive driver, good driver, accident-free, good student

When getting free auto insurance quotes, it’s a good idea to all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts may not be offered in every state. To choose auto insurance companies that provide some of the discounts listed above, follow this link.

What insurance coverages do I need?

When it comes to choosing adequate coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your situation would benefit from professional advice.

  • Do I have coverage when making deliveries for my home business?
  • Who is covered by my policy?
  • Is my babysitter covered when using my vehicle?
  • When would I need rental car insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • Are rental cars covered under my policy?
  • What are the financial responsibility laws in my state?
  • Does my 1996 Dodge Ram Van need full coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like structural damage, legal defense fees, medical expenses, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, rock chips in glass, hail damage, a tree branch falling on your vehicle and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, sideswiping another vehicle, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are set the same as your liablity limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as EMT expenses, X-ray expenses and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Make an honest buck

Insureds change insurance companies for a variety of reasons including poor customer service, extreme rates for teen drivers, being labeled a high risk driver or even denial of a claim. Whatever your reason, choosing a new company is not as difficult as it may seem.

There are still a few companies who may not have internet price quotes and many times these smaller providers sell through local independent agents. Affordable 1996 Dodge Ram Van insurance is definitely available on the web and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from.

We just showed you many ideas to get a better price on 1996 Dodge Ram Van insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding the cheapest auto insurance. You may even find the most savings is with the least-expected company.

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