How Much Does 1996 Dodge Ram Wagon Insurance Cost?

Wish you could get out of an expensive insurance coverage policy? It’s a common feeling and there are lots of residents who feel the same.

Multiple insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and get the definite lowest cost out there.

Car Insurance Discounts

Car insurance is not inexpensive, but you may be missing some discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time of quoting, but a few must be requested specifically prior to receiving the credit.

  • Policy Bundle Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you may earn at least 10% off all policies.
  • Telematics Discount – Insureds that choose to allow their car insurance company to spy on where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they are good drivers.
  • Defensive Driver – Taking part in a driver safety class may get you a small discount and also improve your driving technique.
  • No Charge for an Accident – This one isn’t a discount, but some companies like State Farm and Progressive may permit one accident before your rates go up if you are claim-free prior to being involved in the accident.
  • Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
  • More Vehicles More Savings – Having primary and secondary vehicles on one policy may reduce the rate for each vehicle.

It’s important to note that some credits don’t apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, you’re out of luck.

A few of the larger companies and their possible discounts include:

  • Progressive may include discounts for multi-policy, homeowner, continuous coverage, good student, online signing, online quote discount, and multi-vehicle.
  • The Hartford may have discounts that include air bag, driver training, anti-theft, vehicle fuel type, bundle, and good student.
  • Mercury Insurance may offer discounts for multi-policy, type of vehicle, multi-car, location of vehicle, anti-theft, and age of vehicle.
  • GEICO offers premium reductions for daytime running lights, military active duty, defensive driver, multi-vehicle, good student, and seat belt use.
  • AAA offers discounts including pay-in-full, AAA membership discount, anti-theft, multi-policy, and education and occupation.
  • State Farm includes discounts for accident-free, Drive Safe & Save, good student, multiple autos, student away at school, and good driver.

If you want low cost car insurance quotes, ask each insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not be offered in your area. To locate insurers with the best car insurance discounts, click here to view.

Five factors that affect insurance prices

A large part of saving on insurance coverage is knowing the factors that help calculate your premiums. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to lower insurance coverage prices.

The items below are just a few of the factors used by companies to determine your rates.

  • High coverage deductibles save money – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Dodge from damage. Examples of covered claims would be a broken side mirror, vandalism, or theft. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance on Ram Wagon coverage.
  • Urban areas may pay more – Having an address in less populated areas is a good thing when shopping for auto insurance. City drivers have more auto accidents and longer commutes to work. Lower population corresponds to lower accident rates and also fewer theft and vandalism claims.
  • Insurance prices and driver gender – Statistics show females are less aggressive when driving. Now that doesn’t mean women are better drivers. Both sexes get in fender benders in similar percentages, but the males tend to have higher claims. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers cause the most accidents and thus pay the highest rates.
  • Never let your insurance coverage lapse – Driving without insurance coverage in place is a big no-no and insurance coverage companies will penalize you for letting your insurance expire. Not only will you pay higher rates, not being able to provide proof of insurance could earn you fines and jail time.
  • Drive less and pay lower prices – The more you drive annually the higher the price you pay to insure it. Most insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time get more affordable rates than cars that get driven a lot. Ask your agent if your insurance coverage policy states the correct usage for each vehicle. A policy that improperly rates your Ram Wagon can cost quite a bit.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there isn’t really a perfect coverage plan. Every situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

  • What can I do if my company won’t pay a claim?
  • Are my friends covered when driving my car?
  • Do all my vehicles need collision coverage?
  • Am I covered when driving on a suspended license?
  • Is my teen driver covered when they drive my company car?
  • Should I have a commercial auto policy?
  • Does my 1996 Dodge Ram Wagon need full coverage?
  • Is my dog or cat covered if injured in an accident?
  • Does insurance cover damages from a DUI accident?
  • Which is better, split liability limits or combined limits?

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 an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Auto insurance coverage breakdown

Knowing the specifics of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from auto insurance companies.

Collision coverage

Collision coverage will pay to fix damage to your Ram Wagon resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, hail damage, damage from flooding and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Ram Wagon.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses such as chiropractic care, rehabilitation expenses and ambulance fees. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability car insurance

This can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

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 stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, attorney fees, medical services and loss of income. How much coverage you buy is up to you, but you should buy as much as you can afford.

Be Smart and Buy Smart

As you quote car insurance, don’t be tempted to skimp on coverage in order to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your focus should be to find the BEST coverage for the lowest price, not the least amount of coverage.

In this article, we presented many tips how you can reduce 1996 Dodge Ram Wagon insurance car insurance rates online. The key concept to understand is the more times you quote, the better your chances of lowering your premium rates. You may even discover the best car insurance rates are with a company that doesn’t do a lot of advertising. Smaller companies often have lower premium rates on specific markets compared to the large companies like Allstate and Progressive.

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