Cheap 2001 Dodge Ram Cargo Insurance Quotes

Confused by the sheer number of auto insurance options? You’re not alone. Drivers have so many companies to choose from that it can easily become a ton of work to locate the lowest price.

Smart consumers take time to compare rates periodically because insurance rates fluctuate regularly. Despite the fact that you may have had the lowest rates for Ram Cargo coverage two years ago other companies may now be cheaper. You can find a lot of misleading information regarding auto insurance online but with this article, you’re going to get some tested techniques to find cheap auto insurance.

If you have car insurance now, you will be able to lower your premiums substantially using these tips. This information will instruct you on the most effective way to quote insurance and some tricks to saving. Although consumers do need to learn the way companies compete online and take advantage of how the system works.

Take advantage of discounts

Insuring your vehicles can cost a lot, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply at quote time, but a few need to be asked about before being credited.

  • Federal Employees – Active or retired federal employment can save as much as 8% for Ram Cargo coverage with select insurance companies.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for Ram Cargo coverage than their less cautious counterparts.
  • Student in College – Any of your kids who are attending college and don’t have a car can receive lower rates.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Early Signing – Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.
  • Passive Restraints and Air Bags – Factory air bags can receive discounts of 20% or more.
  • Drivers Ed for Students – Have your child complete a driver education course in school.

It’s important to note that most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you’re out of luck. But any discount will reduce your overall premium however.

Car insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Savings may not be available in every state.

Factors that can influence Dodge Ram Cargo insurance rates

It’s important that you understand the different types of things that come into play when calculating auto insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in big savings.

The list below includes some of the items companies use to determine premiums.

  • Battle of the sexes – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men cause accidents at about the same rate, but men cause more damage. Men also get more serious tickets like reckless driving and DUI. Young males are the most expensive to insure and thus pay the highest rates.
  • Do you need the policy add-ons? – There are a lot of extra bells and whistles you can purchase on your Ram Cargo policy. Things like roadside assistance, better glass coverage and motor club memberships may be wasting your money. They may seem good when talking to your agent, but if you don’t need them remove them from your policy.
  • How many coverages with the same company – Some auto insurance companies will award you with lower prices to policyholders who consolidate policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, you still need to compare rates to ensure the best deal. Drivers may still find a better deal by buying insurance from more than one company.
  • High crash test scores lower rates – Safer cars get lower rates. Safer cars have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Dodge Ram Cargo earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Proper usage rating affects rates – The more miles you rack up on your Dodge in a year’s time the higher your rates will be. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Cars not used for work or commuting qualify for better rates than those used for commuting. An improperly rated Ram Cargo may be costing you. Ask your agent if your auto insurance policy is rated on how each vehicle is driven.
  • Don’t let your coverage lapse – Having an insurance coverage lapse is a fast way to pay more for auto insurance. And not only will your rates increase, but not being able to provide proof of insurance will get you a license revocation or jail time.You may have to file a SR-22 with your state motor vehicle department.
  • Do you know you’re credit rating? – Your credit score is a big factor in your rate calculation. If your credit score is lower than you’d like, you could be paying less to insure your 2001 Dodge Ram Cargo by improving your rating. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit.

How to know if you need help

When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

  • Does my insurance cover my expensive audio equipment?
  • Can I make deliveries for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is the ISO rating for a 2001 Dodge Ram Cargo?
  • Am I covered when driving someone else’s vehicle?
  • Will filing a claim cost me more?
  • Where can I find DUI or SR-22 insurance?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Insurance specifics

Understanding the coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Coverage for collisions

This will pay to fix damage to your Ram Cargo resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, colliding with another moving vehicle, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Liability car insurance

This coverage will cover damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, attorney fees, structural damage, court costs and medical services. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses like ambulance fees, EMT expenses, hospital visits and surgery. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, theft, vandalism and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Keep this in mind

Discount 2001 Dodge Ram Cargo insurance is attainable from both online companies and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

People leave their current company for many reasons like unfair underwriting practices, not issuing a premium refund, high prices or even extreme rates for teen drivers. Regardless of your reason, finding a great new company is not as difficult as it may seem.

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There have been many situations where drivers have reduced full coverage only to discover later they didn’t purchase enough coverage. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

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