View 1997 Dodge Ram Wagon Car Insurance Cost

There isn’t a single person who anticipates paying for car insurance, in particular when it costs too dang much. Multiple car insurance companies compete to insure your vehicles, so it can be very hard to choose a company to find the absolute lowest price

If you have a current car insurance policy or are just looking to switch companies, you can follow these tips to find the best rates while maximizing coverage. Finding affordable coverage is not rocket science. Drivers just need to understand the proper methods to shop for car insurance online.

Ways to get auto insurance quotes

Cutting your auto insurance rates is a fairly straight forward process. All you need to do is take a couple of minutes to compare free auto insurance quotes provided by online insurance companies. It’s really simple and can be done by using one of the methods below.

  1. The fastest and easiest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do boring form submissions for each price estimate. One form will get you rate comparisons from multiple companies.
  2. Another way to obtain and compare quotes online requires a trip to each company website to complete a price quote. For example, we’ll assume you want to compare prices for Auto-Owners, GEICO and American Family. You would be required to go to every website to enter the same coverage data repeatedly, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but make sure you compare nearly identical deductibles and coverage limits with each company. If the quotes have differing limits it will be next to impossible to determine the best price for your Dodge Ram Wagon.

Find discounts to get cheap car insurance rates

Some insurers do not advertise all their discounts very well, so the below list has a few of the more well known in addition to some of the lesser obvious ways to save on car insurance.

  • Claim Free – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote in comparison with drivers with a long claim history.
  • Multiple Policy Discount – If you can combine your home and auto policy and insure them both with the same insurance company you could get a discount of up to 20% off your total premium.
  • Senior Discount – Seniors may receive a small discount on rates on Ram Wagon insurance.
  • Anti-lock Brake Discount – Vehicles that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Early Renewal Discounts – Some larger companies give discounts for switching to them before your current policy expires. You could save around 10% when you buy auto insurance online.
  • Federal Employees – Federal government employees can earn a discount up to 10% on Ram Wagon insurance with some car insurance companies.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So when the math indicates adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount will positively reduce the cost of your policy.

A few popular companies and a selection of discounts are:

  • GEICO has discounts for daytime running lights, five-year accident-free, defensive driver, anti-theft, emergency military deployment, multi-policy, and federal employee.
  • SAFECO offers discounts including bundle discounts, teen safe driver, multi-car, anti-lock brakes, and homeowner.
  • State Farm has savings for student away at school, passive restraint, good student, good driver, driver’s education, multiple autos, and accident-free.
  • MetLife may have discounts that include claim-free, defensive driver, good driver, accident-free, multi-policy, and good student.
  • 21st Century offers discounts for driver training, theft prevention, teen driver, defensive driver, good student, 55 and older, and homeowners.
  • Progressive offers premium reductions for multi-policy, online signing, online quote discount, homeowner, continuous coverage, and multi-vehicle.

Before purchasing a policy, check with each insurance company to apply every possible discount. Some credits might not be available to policyholders in your area.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • Am I covered if I hit a deer?
  • How do I buy GAP insurance?
  • Can I still get insurance after a DUI?
  • I have health insurance so do I need medical payments coverage?
  • What is the ISO rating for a 1997 Dodge Ram Wagon?
  • How does medical payments coverage work?
  • What if I owe more than I can insure my car for?
  • Are my tools covered if they get stolen from my vehicle?
  • When should I not file a claim?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and can provide invaluable advice.

What affects Dodge Ram Wagon insurance prices?

One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that come into play when calculating the rates you pay for insurance. If you have a feel for what determines base rates, this enables informed choices that could result in lower insurance prices. Many different elements are taken into consideration when you get your auto insurance bill. Most are fairly basic such as traffic violations, although others are not quite as obvious such as your credit history or your financial responsibility.

  • Frequent insurance claims increase prices – Car insurance companies provide cheaper rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is intended for major claims that would cause financial hardship.
  • Policy lapses lead to higher rates – Having an insurance coverage lapse is a fast way to pay more for insurance. Not only will rates go up, being ticketed for driving with no insurance may result in fines and jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Credit score impacts rates – Having a good credit rating can be an important factor in calculating your premium rate. Insureds that have excellent credit scores tend to file fewer claims than drivers who have lower credit scores. If your credit leaves room for improvement, you may save money insuring your 1997 Dodge Ram Wagon if you clean up your credit.
  • Cheaper rates after marriage – Having a significant other may save some money when shopping for insurance. Marriage may mean you are more responsible it has been statistically shown that drivers who are married file infrequent claims.
  • Cautious drivers pay less – Only having one speeding ticket or other violation can increase rates forty percent or more. Drivers with clean records get better prices as compared to careless drivers. Drivers who get multiple violations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to file a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
  • Pay less with a high IIHS safety rating – Safer cars are cheaper to insure. Vehicles engineered for safety reduce occupant injuries and fewer injuries means lower claim amounts and lower rates for you. If your Dodge Ram Wagon is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Deter theft and pay less – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping auto theft and help lower rates.
  • Certain vocations pay higher premiums – Did you know your job can affect your rates? Jobs such as doctorsair traffic controllers and miners generally pay higher rates than the rest of us attributed to high stress and long work hours. On the other hand, careers such as scientists, athletes and performers have lower than average premiums on Ram Wagon insurance.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t escape the ads for the lowest price car insurance by Allstate, GEICO and Progressive. All the ads advertise claims that you’ll save big if you just switch your car insurance policy to them.

How do they all charge you a lower premium?

Companies give the cheapest rates for the type of driver they prefer to insure. For example, this type of driver should be over the age of 40, has never had a claim, and drives newer vehicles. A propective insured that fits those parameters will get very good auto insurance rates and is almost guaranteed to save when they switch companies.

Potential customers who are not a match for this ideal profile will be quoted a more expensive rate which translates to the customer not buying. The trick is to say “drivers who switch” but not “everyone who gets a quote” save money. That’s why companies can truthfully make the claims of big savings. This really emphasizes why you should compare rate quotes every year. It’s just not possible to know the company that will have the best rates.

Auto insurance coverages and their meanings

Knowing the specifics of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on most auto insurance policies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as EMT expenses, funeral costs, pain medications, nursing services and rehabilitation expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things like bail bonds, emergency aid, repair bills for other people’s vehicles and structural damage. How much coverage you buy is your choice, but buy higher limits if possible.

Comprehensive protection

This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, a broken windshield, hitting a bird, theft and vandalism. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, hitting a mailbox, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

At the end of the day…

You just learned a lot of ways to save on 1997 Dodge Ram Wagon insurance. It’s most important to understand that the more times you quote, the better your comparison will be. Drivers may discover the lowest rates come from some of the lesser-known companies. Smaller companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Progressive and GEICO.

More affordable auto insurance is attainable from both online companies and with local insurance agents, so get free auto insurance quotes from both of them to have the best rate selection. Some insurance companies may not offer the ability to get quotes online and usually these smaller companies only sell through independent agencies.

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