Cheaper 1996 Dodge Ram Van Insurance Cost

Searching for the lowest cost insurance coverage online may be intimidating for people who are new to buying insurance on the web. Because there are so many choices, how can you possibly compare every company to locate the best available rates?

It’s important to take a look at other company’s rates before your policy renews since rates are constantly changing. Even if you think you had the best price on Ram van insurance six months ago there may be better deals available now. So forget anything you know (or think you know) about insurance coverage because you’re about to learn the quickest way to find better rates and still maintain coverage.

Dodge Ram Van premiums are determined by many factors

An important part of buying insurance is that you know some of the elements that help determine your auto insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Bundling policies can get discounts – Some companies will award you with lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to shop around to verify if the discount is saving money.
  • Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Marriage brings a discount – Being married actually saves money on your auto insurance policy. Having a spouse usually means you are more mature and responsible and it’s proven that drivers who are married are more cautious.
  • Liability coverage is peace of mind – Liability coverage is the protection if ever you are found liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.

Cheap Car Insurance Comparisons

Comparing car insurance rates can take hours if you don’t understand the most efficient way to do it. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can utilize the internet to accomplish the same thing much quicker.

Most major companies belong to an insurance system where prospective buyers only type in their quote data once, and every company can give them a price based on that information. This system prevents you from having to do quotation requests for each company.

To compare 1996 Dodge Ram Van rates using this form now click here (opens in new window).

The only downside to using this type of system is you are unable to specify which carriers you will receive quotes from. So if you want to select specific providers to compare rates, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make absolute certain that you use exactly the same deductibles and coverage limits for every company. If your comparisons have higher or lower deductibles then you won’t be able to determine the lowest rate for your Dodge Ram Van. Just a small difference in insurance coverages could mean much higher rates. Just keep in mind that obtaining a wide range of quotes helps locate better pricing.

Cut prices on 1996 Dodge Ram Van insurance

Companies that sell car insurance don’t always advertise every available discount very well, so here is a list both the well known as well as the least known discounts you could be receiving.

  • Multiple Vehicles – Having multiple vehicles on the same insurance policy may reduce the rate for each vehicle.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may save 10% to 20% off each policy.
  • Defensive Driving Course – Taking part in a driver safety course can save you 5% or more depending on where you live.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Ram van insurance with select insurance companies.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

Insurance companies that may offer these money-saving discounts are:

Double check with each insurance company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether your personal situation may require specific advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Which companies will insure high-risk drivers?
  • Can I afford low physical damage deductibles?
  • When can I cancel my policy?
  • Are split liability limits better than a combined single limit?
  • What if I owe more than I can insure my car for?
  • How much can I save by bundling my policies?
  • Should I carry comprehensive and collision coverage?
  • Am I covered if I crash into my own garage door?
  • If my 1996 Dodge Ram Van is totaled, can I afford another vehicle?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverages

Understanding the coverages of auto insurance helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for liability

Liability insurance provides protection from damage that occurs to other’s property or people. It protects YOU against claims from other people. 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. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things like medical expenses, emergency aid, legal defense fees, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, hitting a deer and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Van.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for collisions

Collision insurance pays for damage to your Ram Van resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, colliding with another moving vehicle, rolling your car, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses for funeral costs, dental work, rehabilitation expenses, chiropractic care and doctor visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Final thoughts

In this article, we presented a lot of techniques to lower your 1996 Dodge Ram Van insurance rates. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with a lesser-known regional company.

When you buy insurance online, you should never buy less coverage just to save a little money. Too many times, an insured dropped full coverage only to regret that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at the best price while still protecting your assets.

Consumers change insurance companies for a variety of reasons including not issuing a premium refund, policy cancellation, questionable increases in premium and even delays in responding to claim requests. Regardless of your reason, choosing a new company is not as hard as you think.

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