Compare 1993 Dodge Ram Wagon Insurance Quotes

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say there are many people just like you.

Many car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every company to find the best rate

If you have car insurance now, you should be able to reduce your rates substantially using these tips. Finding affordable coverage is not that difficult. Although vehicle owners must understand the methods companies use to market on the web and take advantage of how the system works.

Free Quotes for Insurance Coverage

Effectively comparing insurance coverage prices can be exhausting if you aren’t aware of the best way to get rate quotes. You can waste hours talking to insurance agencies in your area, or you could use online quotes to get rates in a matter of minutes.

Most of the best insurance companies are enrolled in a marketplace that enables customers to submit their information once, and at least one company can provide price quotes based on that information. This system prevents you from having to do repetitive form submissions to every company.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to doing it this way is that you can’t choose the companies you want pricing from. So if you want to choose from a list of companies for rate comparison, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you use exactly the same information for every company. If each company quotes different deductibles then you won’t be able to truly determine the lowest rate. Quoting even small variations in coverage limits can make a big difference in price. And when comparing insurance coverage rates, know that having more price comparisons provides better odds of finding better pricing.

Is there truth in advertising?

Auto insurance companies such as Geico, State Farm and Progressive continually stream ads in print and on television. They all seem to have a common claim that you’ll save big after switching to their company. How can each company say the same thing?

Insurance companies have a preferred profile for the type of customer that earns them a profit. An example of a desirable insured might be profiled as over the age of 50, a clean driving record, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and therefore will save quite a bit of money when switching.

Consumers who are not a match for the requirements will have to pay more money and this can result in business going elsewhere. The ads say “people who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently advertise the way they do.

Because of the profiling, drivers should get as many comparisons as possible. You cannot predict which insurance companies will fit your personal profile best.

These factors can influence Dodge Ram Wagon insurance rates

Consumers need to have an understanding of the factors that go into determining your insurance rates. Having a good understanding of what determines base rates enables informed choices that may reward you with lower insurance prices.

  • Better credit means lower rates – Credit score is a large factor in your rate calculation. So if your credit score is lower than you’d like, you could save money insuring your 1993 Dodge Ram Wagon by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with poor credit.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores can get you lower premiums. Safe vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Dodge Ram Wagon earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Big city or small town – Residing in a rural area has it’s advantages when insuring your vehicles. Lower population translates into fewer accidents. City drivers regularly have congested traffic and longer commutes to work. Higher commute times translates into higher accident risk.
  • Low deductibles can be expensive – Coverage for physical damage, also known as collision and other-than-collision, protects your Dodge from damage. A few examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Your deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more expense you have to pay, the lower your rates will be for Ram Wagon coverage.
  • Liability coverage protects you – Liability coverage is the coverage that protects you when a court rules you are at fault for damages from an accident. It will provide you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • Lower rates with optional equipment – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.

Discounts are great for lower rates

The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Some trigger automatically when you quote, but a few need to be asked for prior to receiving the credit.

  • No Claims – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Driver’s Ed – Have your child complete a driver education course if it’s offered in school.
  • Senior Citizens – Mature drivers can possibly qualify for a small decrease in premiums for Ram Wagon coverage.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • College Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Paperless Signup – A few companies may give you up to $50 for buying a policy and signing up online.

It’s important to note that many deductions do not apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, you’re out of luck. Any qualifying discounts will cut your premiums.

Companies that possibly offer these discounts include:

It’s a good idea to ask every prospective company which discounts they offer. Discounts may not be available in your state.

You may need specialized coverage

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if your situation might need professional guidance.

  • Why do I need rental car insurance?
  • How much can I save by bundling my policies?
  • How does medical payments coverage work?
  • Are rental cars covered under my policy?
  • Is my 1993 Dodge Ram Wagon covered for flood damage?
  • Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Specific coverages for a 1993 Dodge Ram Wagon

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on most auto insurance policies.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, damage from flooding and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like nursing services, doctor visits and funeral costs. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Ram Wagon.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Liability auto insurance

This will cover damage or injury you incur to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair bills for other people’s vehicles, funeral expenses, loss of income, pain and suffering and medical services. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

In Summary

Throughout this article, we presented quite a bit of information on how to compare 1993 Dodge Ram Wagon insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest rates come from the smaller companies. Regional companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an accident victim reduced physical damage coverage and learned later that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

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