View 1991 Dodge Ram Van Insurance Quotes

Trying to find the cheapest auto insurance rates for your Dodge Ram Van? Finding lower premiums on auto insurance can seem to be hard for beginners to buying insurance online. There are so many options available that it can easily become a challenge to compare prices.

If you are paying for car insurance now, you will most likely be able to save some money using these methods. The purpose of this article is to tell you how car insurance quotes work and some tricks to saving. Although consumers must understand how big insurance companies sell online because it can help you find the best coverage.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but you may find discounts that can drop the cost substantially. Most are applied when you complete an application, but less common discounts must be specially asked for before you will receive the discount.

  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Defensive Driving Course – Taking part in a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Ram van coverage than drivers with accidents.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Sign Online – Some insurance companies will give a small break simply for signing digitally online.
  • Homeowners Pay Less – Owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.

It’s important to note that most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, you’re out of luck. But all discounts will help reduce the amount you have to pay.

A partial list of companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Some discounts may not apply everywhere.

Compare Car Insurance Today

There are several ways to compare Dodge Ram Van car insurance prices but one way is less time-consuming than others. You could spend your day talking to insurance agencies in your area, or you can stay home and use online quoting to achieve your goal.

Many insurance companies enroll in a system where prospective buyers submit their information once, and at least one company returns a competitive quote based on the submitted data. This eliminates the need for quote forms for each company you want a rate for.

To compare 1991 Dodge Ram Van rates using this form now click here (opens in new window).

One minor caviat to using this type of form is that consumers can’t choose which carriers to get pricing from. If you would rather choose individual companies to compare prices, we put together a list of companies who write car insurance in your area. Click to view list.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverage information for each comparison quote. If you are comparing different values for each quote it will be impossible to determine which rate is truly the best. Just a small difference in limits can make a big difference in price. Keep in mind that getting more free quotes gives you a better chance of getting lower pricing.

What determines your Dodge Ram Van insurance premium

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that can help you get better auto insurance rates.

The list below includes a few of the “ingredients” auto insurance companies consider when setting your rates.

  • The more you drive the more you pay – The more you drive every year the more you will pay for auto insurance. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars not used for work or commuting get more affordable rates than vehicles that are driven to work every day. An improperly rated Ram Van may be wasting your money. Ask your agent if your auto insurance policy properly reflects the correct driver usage.
  • Big city or small town – Residing in small towns and rural areas is a positive aspect when insuring your vehicles. Drivers in populated areas have more traffic problems and a longer drive to work. Lower population means fewer accidents.
  • You might want pay the small claims yourself – If you frequently file small claims, you can expect either higher rates or even cancellation. Auto insurance companies give better rates to policyholders who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Men pay higher rates – The statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Men and women have accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations such as DWI and reckless driving.

Different people need different coverages

When it comes to buying adequate coverage, there is no one size fits all plan. Everyone’s needs are different.

For instance, these questions could help you determine whether your personal situation could use an agent’s help.

  • Can I afford to pay high deductible claims out of pocket?
  • Do I need higher collision deductibles?
  • Should I carry comprehensive and collision coverage?
  • Is motorclub coverage worth it?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is a fancy paint job covered?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Drivers who switch save $493 a year? Really?

Car insurance companies such as State Farm and Allstate continually stream ads in print and on television. They all seem to have a common claim that you’ll save big after switching your policy. How do they all make almost identical claims?

Different companies are able to cherry pick for the driver that is profitable for them. An example of a profitable customer could possibly be between the ages of 40 and 55, has no driving citations, and drives newer vehicles. A propective insured who fits that profile will get the preferred rates and most likely will cut their rates substantially.

Consumers who do not match the requirements will be charged a higher premium and this can result in the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” save that much. That is how insurance companies can confidently make those claims.

That is why it is so important to get as many comparisons as possible. It’s impossible to know which insurance companies will give you the biggest savings on Dodge Ram Van insurance.

Educate yourself about auto insurance coverages

Knowing the specifics of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance – Liability coverage will cover damage that occurs to other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like court costs, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, damage from getting keyed, falling objects and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1991 Dodge Ram Van.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Medical expense insurance – Med pay and PIP coverage kick in for immediate expenses for things like doctor visits, X-ray expenses, EMT expenses and funeral costs. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision coverage – Collision insurance covers damage to your Ram Van resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

A penny saved is a penny earned

We covered some good ideas how you can lower your 1991 Dodge Ram Van insurance rates. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a small local company.

Consumers change insurance companies for many reasons like policy non-renewal, lack of trust in their agent, delays in responding to claim requests and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.

Cheaper insurance can be purchased both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

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