How Much Does 2000 Dodge Ram Wagon Car Insurance Cost?

Looking for cheaper insurance rates for your Dodge Ram Wagon? No one likes having to buy insurance, especially knowing the cost is too high.

Companies like Geico and Progressive all promote huge savings with catchy ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

It’s important to check insurance prices occasionally because prices are constantly changing. Despite the fact that you may have had the best rates on Ram Wagon insurance on your last policy you can probably find a lower rate today. So just ignore everything you know about insurance because you’re going to get a crash course in the fastest way to lower your annual insurance bill.

Which Auto Insurance is Cheapest?

All major auto insurance companies such as Progressive, Geico, Allstate and State Farm allow you to get price estimates on their websites. Getting online quotes doesn’t take much effort as you simply type in the coverages you want into a form. After you submit the form the system orders your credit score and driving record and returns a price based on these and other factors. Quoting online simplifies rate comparisons, but having to visit different websites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible if you are searching for a lower rate.

Quote rates the easy way

A more efficient way to locate the lowest prices requires only one form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online quotes much easier. Once the form is submitted, it gets priced and you are able to buy your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

To compare pricing, simply click here to open in new window and submit the form. If you have your current policy handy, we recommend you input coverages and limits exactly as they are listed on your policy. This ensures you will be getting rate comparison quotes based on similar coverages.

These discounts can slash car insurance rates

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be requested specifically before they will apply.

Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
Drive Less and Save – Keeping the miles down on your Dodge could be rewarded with better rates on cars that stay parked.
Defensive Driver – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
Auto/Home Discount – When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.

It’s important to note that many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, you won’t be that lucky. Any amount of discount will help reduce your premiums.

To see a list of insurance companies with the best car insurance discounts, follow this link.

When might I need the advice of an agent?

When it comes to buying the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can aid in determining if your insurance needs may require specific advice.

When would I need additional glass coverage?
Are my friends covered when driving my 2000 Dodge Ram Wagon?
When should I not file a claim?
How do I buy GAP insurance?
Does my car insurance cover rental cars?
How high should my medical payments coverage be?
What is UM/UIM insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance coverage information

Understanding the coverages of your insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Liability

This protects you from damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as bail bonds, court costs, attorney fees, medical services and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses for surgery, dental work, X-ray expenses and EMT expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Wagon.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, fire damage, damage from a tornado or hurricane, falling objects and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

This will pay to fix damage to your Ram Wagon 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 pays for claims such as rolling your car, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.