1994 Dodge Ram Wagon Car Insurance Rates – 8 Tricks for Cheapest Quotes

Trying to find the cheapest insurance coverage rates for your Dodge Ram Wagon? Searching for the cheapest insurance for a new or used Dodge Ram Wagon can normally be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the proper way to price shop coverage for a Dodge and locate the cheapest rates.

If you are insured now or are just looking to switch companies, you can use these techniques to reduce the price you pay while maximizing coverage. Shopping for cheaper coverage is quite easy. Drivers just need to know the proper methods to find the lowest price over the internet.

Cut your premium with these eight discounts

Car insurance can cost a lot, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be requested specifically before they will apply. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Low Mileage – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on Ram Wagon insurance with a few auto insurance companies.
  • Multi-policy Discount – When you have multiple policies with the same company you may save up to 20% off your total premium.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Homeowners Discount – Simply owning a home can help you save on auto insurance because owning a home demonstrates responsibility.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts could save 15% on the medical payments or PIP coverage costs.

Consumers should know that some credits don’t apply the the whole policy. Most only reduce individual premiums such as comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, companies wouldn’t make money that way. But all discounts will cut your overall premium however.

For a list of insurers with discount auto insurance rates, click here.

What is the best insurance coverage?

When it comes to buying proper insurance coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

  • Am I covered if I wreck a rental car?
  • I have a DUI can I still get coverage?
  • Am I covered when driving a rental car?
  • Do I need special endorsements for business use of my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • How high should deductibles be on a 1994 Dodge Ram Wagon?
  • Am I covered when driving someone else’s vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

How can Geico, State Farm and Progressive save drivers who switch?

Consumers constantly see and hear ads for the lowest price auto insurance by Geico, State Farm and Progressive. They all say the same thing that you can save after switching to their company.

How can each company make almost identical claims? This is how they do it.

Insurance companies have a preferred profile for the driver that earns them a profit. For instance, a preferred risk could be between the ages of 30 and 50, owns a home, and has a short commute. Any driver that hits that “sweet spot” will get the preferred rates and as a result will probably save quite a bit of money when switching.

Potential customers who don’t measure up to these standards will be charged higher rates which leads to the driver buying from a lower-cost company. The ads say “people who switch” not “everybody who quotes” save money. This is how companies can truthfully state the savings.

That is why drivers should quote coverage with many companies. It is impossible to predict which company will fit your personal profile best.

Information about specific coverages

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from getting keyed, a tree branch falling on your vehicle and fire damage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage covers damage to your Ram Wagon from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Ram Wagon.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as dental work, surgery, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability coverage

This coverage can cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, medical services, structural damage, loss of income and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Spend less. Save more.

When you buy insurance online, you should never sacrifice coverage to reduce premiums. There are too many instances where someone dropped collision coverage to discover at claim time they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at an affordable rate.

Drivers leave their current company for many reasons like poor customer service, delays in responding to claim requests, being labeled a high risk driver or policy non-renewal. It doesn’t matter why you want to switch finding the right insurance provider can be easier than you think.

You just learned many ways to shop for 1994 Dodge Ram Wagon insurance online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest rates come from an unexpected company.

More detailed insurance information is available by following these links: