1991 Dodge RAM 150 Car Insurance Quotes – 10 Discounts for Cheaper Rates

Searching for lower auto insurance rates for your Dodge RAM 150? Are you a victim of overpriced auto insurance? Believe me, there are many people just like you.

Because there are so many insurance providers from which to choose, it can be challenging to pick the most cost effective provider.

It’s a good idea to compare rates at least once a year since insurance rates are usually higher with each renewal. If you had the best deal on RAM 150 coverage two years ago a different company probably has better rates today. So ignore everything you know about auto insurance because you’re going to get a crash course in the quickest way to properly buy coverages and cut your premium.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Nevertheless, drivers need to have an understanding of the methods companies use to market on the web and take advantage of how the system works.

Don’t miss these ten discounts

Car insurance companies don’t list every discount very clearly, so the following is a list of both the well known and the harder-to-find auto insurance savings.

  • Claim Free – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company could earn a price break for each car.
  • Club Memberships – Belonging to a professional or civic organization may earn a discount on your policy on RAM 150 coverage.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20% or more.
  • E-sign – A handful of insurance companies will give a small break just for signing your application over the internet.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in high school.
  • Senior Discount – Older drivers may receive better auto insurance rates on RAM 150 coverage.
  • Defensive Driver – Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

Insurance companies who might offer these discounts are:

Check with every prospective company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

When might I need help?

When choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover whether you would benefit from an agent’s advice.

  • Am I covered if I hit a deer?
  • Is my trailer covered?
  • When do I need to add a new car to my policy?
  • Do I need roadside assistance coverage?
  • What exactly is covered by my policy?
  • Does my 1991 Dodge RAM 150 qualify for pleasure use?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Don’t believe everything you hear

Insurance coverage providers like Progressive, Allstate and Geico regularly use ads in print and on television. They all have a common claim that you can save if you move to them. How does each company make almost identical claims? It’s all in the numbers.

Different companies are able to cherry pick for the right customer that is profitable for them. For instance, a desirable insured might be over the age of 50, has no driving citations, and has a short commute. Any driver who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who are not a match for the “perfect” profile must pay higher premiums and this can result in business going elsewhere. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That’s why companies can make the claims of big savings. This illustrates why you need to get as many quotes as possible. Because you never know the company that will provide you with the cheapest Dodge RAM 150 insurance rates.

Car insurance 101

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Collision coverages – Collision coverage pays for damage to your RAM 150 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, hitting a mailbox, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge RAM 150.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, rock chips in glass and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance – Med pay and PIP coverage provide coverage for bills for things like doctor visits, X-ray expenses, prosthetic devices, chiropractic care and hospital visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability coverage – Liability insurance protects you from damage or injury you incur to people or other property. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims like court costs, emergency aid, bail bonds, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Save your cold hard cash

Cheap 1991 Dodge RAM 150 insurance can be bought from both online companies in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Throughout this article, we presented a lot of techniques to shop for insurance online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from the least-expected company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

Additional auto insurance information can be read at these links: