1994 Dodge Ram Van Insurance Cost

Looking for lower auto insurance rates for your Dodge Ram Van? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you you’re not alone. Big companies like State Farm and Geico persitently shower you with ads and consumers find it hard to separate fact from fiction and find the best price available.

If you are insured now or are shopping for new coverage, you will benefit by learning to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers just need to understand the best way to shop for insurance online.

How to Get Auto Insurance Comparison Quotes

Finding a lower price on 1994 Dodge Ram Van insurance is a fairly straight forward process. Drivers just need to take time to get quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

One of the simplest ways to find low rates is an all-inclusive rate comparison (click to open form in new window). This easy form saves time by eliminating multiple quote forms for each company you want a rate for. One form gets rate comparisons from many national carriers.

A slightly less efficient method to compare prices consists of visiting the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll assume you want comparison quotes from Nationwide, Esurance and Farmers. You would have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but make sure you use apples-to-apples information for each price quote. If you enter differing limits it’s not possible to find the best deal for your Dodge Ram Van.

Save big with these discounts

Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be asked about before you will receive the discount. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

Anti-theft System – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
Defensive Driver – Taking a defensive driving course could save 5% or more if you qualify.
Federal Government Employee – Active or retired federal employment could cut as much as 10% off for Ram van insurance with a few auto insurance companies.
Accident Free – Drivers who don’t have accidents can earn big discounts as compared to drivers who are more careless.
Auto/Life Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
College Student – Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will help reduce your premiums.

Car insurance companies that may have these benefits include:

Before buying, ask each company what discounts are available to you. Savings might not apply in your area.

But I don’t know anything about car insurance

When it comes to choosing coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might point out if your insurance needs might need professional guidance.

Are there companies who specialize in insuring high-risk drivers?
Do I have coverage when using my vehicle for my home business?
Do I have newly-aquired coverage?
What is medical payments coverage?
Why is insurance for a teen driver so high?
When can I cancel my policy?
Do I need rental car coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Detailed coverages of your car insurance policy

Learning about specific coverages of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages offered by car insurance companies.

Liability insurance

This provides protection from damage or injury you incur to a person or their property that is your fault. This coverage 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 per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like funeral expenses, pain and suffering, loss of income, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your Ram Van resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, crashing into a building, sideswiping another vehicle, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Van.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as rehabilitation expenses, dental work, doctor visits, funeral costs and nursing services. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, hitting a deer and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.