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Dodge Ram Van Insurance Rates

There are many options when comparing insurance rates on your Dodge vehicle. You can get prices from a local agent or price shop online to compare rates from companies. Finding cheaper auto insurance by quoting online is simple to do and there is a good chance you might just save a little.

Finding the best direct price on auto insurance can be a challenge if you have never used quoting online. But don't let that discourage you because comparing prices is actually very simple. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes to get quotes online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

Auto insurance rates for a Dodge Ram Van can be significantly different subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Use of your vehicle
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Whether you own your home

A final factor which can affect Ram Van insurance rates is the model year. Newer models have a higher actual cash value in comparison to later models so the payout to repair may end up costing you more. Although newer models may have a trim level with safety features included like blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection that may help lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Ram Van below.

Liability coverages - Ram Van liability coverage protects you from damage that occurs to other people or property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision coverages - This pays for damage to your Dodge caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Ram Van collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper Ram Van insurance rates.

Comprehensive coverages - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your Dodge Ram Van comprehensive insurance. The highest amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments - Med pay and PIP coverage reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are Dodge Ram Van Insurance Rates?