Cheap 1999 Dodge Ram Wagon Insurance Rates

Vehicle owners fed up with high insurance prices and are new to comparing car insurance rates online will discover sourcing cheaper insurance coverage is not as easy as it seems.

Smart consumers take time to check car insurance prices yearly since prices are adjusted regularly by insurance companies. Just because you found the best deal for Ram Wagon coverage last year there is a good chance you can find better rates now. There are a lot of ways to save on car insurance out there, but I’m going to show you a lot of great tips on how to lower your car insurance rates.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to save some money using these techniques. Nevertheless, car owners do need to know the way insurance companies compete online and apply this information to your search.

Cheaper rates with discounts

Not many people think insurance is cheap, but you might find some hidden discounts to help bring down the price. Certain reductions will be credited at the time of quoting, but occassionally some discounts must be inquired about before you get the savings.

  • Active Service Discounts – Having a family member in the military could qualify you for better rates.
  • Data Collection Discounts – People who choose to allow data collection to monitor when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they are good drivers.
  • Low Mileage Discounts – Driving less can qualify you for lower auto insurancerates on the low mileage vehicles.
  • Buy New and Save – Insuring a vehicle that is new can save you some money because newer vehicles are generally safer.
  • No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote compared to drivers who are more careless.
  • Policy Bundle Discount – If you can combine your homeowners and auto policy with one company you may earn at least 10% off all policies.

As a sidenote, most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, you aren’t that lucky.

Popular auto insurance companies and a selection of discounts are detailed below.

  • 21st Century offers discounts for 55 and older, anti-lock brakes, defensive driver, automatic seat belts, and teen driver.
  • Progressive policyholders can earn discounts including multi-policy, continuous coverage, online quote discount, homeowner, good student, and online signing.
  • State Farm may offer discounts for good driver, multiple autos, anti-theft, passive restraint, defensive driving training, driver’s education, and safe vehicle.
  • Nationwide discounts include good student, accident-free, business or organization, defensive driving, and anti-theft.
  • Esurance may have discounts that include renters, anti-theft, good driver, defensive driver, good student, online shopper, and Switch & Save.
  • The Hartford offers premium reductions for driver training, defensive driver, bundle, vehicle fuel type, anti-theft, good student, and air bag.

Before you buy a policy, ask each company which discounts you qualify for. Some credits might not be available to policyholders everywhere. To find providers who offer auto insurance discounts, click here.

How to find the cheapest insurance coverage

To find the best insurance coverage prices, there are several ways of comparing price quotes from all the different companies. The easiest way to comparison shop is to get quotes online. This can be done using a couple different methods.

  • The first (and easiest) way to find low rates is a comparison rater form click to view form in new window. This quick form saves time by eliminating separate quote forms to each individual insurance coverage company. In just a few minutes this one form will get you rate comparisons from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  • A slightly less efficient method to analyze rates requires you to visit each individual company website and repeat the quote process. For examples sake, we’ll pretend you need rates from Progressive, State Farm and American Family. To do that, you would have to go to every website and enter your information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you are using nearly identical quote data for each quote you get. If you enter differing limits it will be next to impossible to determine the lowest rate for your Dodge Ram Wagon. Having just a slight variation in limits can result in a big premium difference. Just remember that comparing all the rates in your area provides better odds of finding better pricing.

Components of your Dodge Ram Wagon insurance prices

An important part of buying insurance is that you know the different types of things that come into play when calculating your policy premiums. If you know what influences your rates, this enables informed choices that can help you get better car insurance rates.

  • Drive lots and pay more – Driving more miles in a year’s time the more you’ll pay to insure it. A lot of companies charge to insure your cars determined by how the vehicle is used. Vehicles that are left in the garage can be on a lower rate level as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy is showing the correct driver usage, because it can save money. Incorrect rating for your Ram Wagon can result in significantly higher rates.
  • Don’t cut corners with liability insurance – The liability coverage on your policy will afford coverage if ever you are responsible for damages caused by your negligence. It will provide legal defense up to the limits shown on your policy. It is affordable coverage compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • File claims and pay more – Companies provide lower rates to drivers who file claims infrequently. If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Better credit means lower prices – Having a bad credit rating can be a huge factor in your rate calculation. So if your credit can use some improvement, you may save money insuring your 1999 Dodge Ram Wagon by improving your rating. Consumers who have very good credit scores tend to file fewer claims than drivers with poor credit scores.
  • Insure car and home with the same company – Lots of insurance companies afford better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. If you currently are using one company, it’s in your best interest to get quotes from other companies to ensure the best deal.
  • Safer vehicles mean better car insurance rates – Vehicles with good safety scores cost less to insure. The safest vehicles reduce occupant injuries and fewer injuries means your insurance company pays less and lower rates for you.
  • Discounts for married couples – Being married can get you a discount on car insurance. Marriage is viewed as being more mature than a single person it has been statistically shown that married couples file fewer claims.

What is the best insurance coverage?

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

For instance, these questions can help discover if your insurance needs might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • How much liability coverage do I need in my state?
  • Am I missing any policy discounts?
  • I have health insurance so do I need medical payments coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Should I have combined single limit or split liability limits?
  • What companies insure drivers after a DUI or DWI?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Coverage specifics

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Dodge Ram Wagon.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills for things like hospital visits, funeral costs, chiropractic care, pain medications and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage covers damage to your Ram Wagon from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, hitting a parking meter, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Liability car insurance – This coverage can cover injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as pain and suffering, medical expenses, court costs and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Comprehensive coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, hitting a bird, fire damage and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Be a money saver!

People switch companies for a number of reasons such as extreme rates for teen drivers, poor customer service, unfair underwriting practices or even lack of trust in their agent. It doesn’t matter why you want to switch switching insurance companies can be pretty painless.

We’ve covered many tips how you can lower your 1999 Dodge Ram Wagon insurance car insurance rates. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the lowest car insurance rates come from the smaller companies.

When searching for the cheapest insurance coverage quotes, you should never reduce needed coverages to save money. In many instances, consumers will sacrifice full coverage and discovered at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

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