1998 Dodge Ram Van Insurance Rates – 8 Ways to Save

Want better insurance rates? Drivers have a choice when trying to find low-cost Dodge Ram Van insurance. They can either waste time calling around to get rate comparisons or use the internet to get rate quotes.

There is a better way to shop for insurance and you need to know the proper way to get price quotes for a Dodge and find the best price possible from local insurance agents and online providers.

If you have a current insurance policy or need a new policy, you can use these techniques to find better prices while maintaining coverages. This article will help educate you on the most effective way to quote insurance and some money-saving tips. Drivers just need to know the most effective way to find the lowest price online.

Discounts are basically free money

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be specially asked for before being credited. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Sign Early and Save – A few companies offer discounts for switching to them before your current expiration date. It can save you around 10%.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Accident Free – Good drivers with no accidents pay less when compared to accident-prone drivers.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Ram van insurance with a few insurance companies.
  • Drive Less and Save – Fewer annual miles on your Dodge can earn lower rates on the low mileage vehicles.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates on Ram van insurance.
  • Organization Discounts – Participating in a professional or civic organization may earn a discount on insurance on Ram van insurance.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. Even though it may seem like you could get a free insurance policy, insurance companies aren’t that generous. But any discount will reduce the amount you have to pay.

Car insurance companies who might offer these money-saving discounts are:

It’s a good idea to ask all companies you are considering what discounts are available to you. All car insurance discounts might not be offered in every state.

Auto Insurance Prices

There are several ways to compare Dodge Ram Van auto insurance quotes, but there is one way that is more efficient than others. You can spend countless hours talking to agents in your area, or you could use online quotes to achieve your goal.

Many companies belong to an insurance system that allows shoppers to submit one quote, and each participating company returns a competitive quote based on that information. This system prevents you from having to do form submissions to each individual auto insurance company.

To access this free quoting program, click to open in new window.

One minor caviat to doing it this way is you can’t choose which carriers to get quotes from. If you wish to select specific insurance companies to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

Whichever method you choose, compare the exact same deductibles and coverage limits on every quote you get. If you are comparing differing limits you can’t possibly make a fair comparison for your Dodge Ram Van.

Which insurance is the “right” coverage?

When it comes to buying the best auto insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For instance, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Can I afford to buy a different vehicle if my 1998 Dodge Ram Van is totaled?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need an umbrella policy?
  • When should I remove comp and collision on my 1998 Dodge Ram Van?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

The insurance coverage bait and switch

Consumers constantly see and hear ads for car insurance savings by Geico, State Farm and Progressive. They all make an identical promise that you can save if you move to their company.

How can each company make the same claim?

All the different companies have a certain “appetite” for the type of driver that is profitable for them. For example, a driver they prefer could possibly be between 30 and 50, has no tickets, and drives less than 7,500 miles a year. A propective insured who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.

Consumers who don’t measure up to this ideal profile will have to pay a more expensive rate which leads to business not being written. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That is how insurance companies can advertise the savings.

Because of the profiling, you absolutely need to compare many company’s rates. You cannot predict the company that will provide you with the cheapest Dodge Ram Van insurance rates.

Car insurance 101

Understanding the coverages of a insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like nursing services, rehabilitation expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like rolling your car, hitting a mailbox, colliding with a tree, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, hitting a deer, hail damage, vandalism and damage from flooding. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance – This will cover damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like pain and suffering, emergency aid and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Dodge Ram Van.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Smart shoppers get results

You just read many tips how you can lower your 1998 Dodge Ram Van insurance rates. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. You may even find the best prices are with some of the lesser-known companies.

When you buy insurance online, do not reduce coverage to reduce premium. Too many times, drivers have reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

Cost effective insurance is available online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

More detailed auto insurance information is located in these articles: