1990 Dodge Ram 50 Pickup Insurance Quotes – 7 Tricks for Cheapest Rates

Have you had enough of being strong-armed to insure your Dodge every month? You are no different than millions of other consumers. With so many choices of insurance companies, it’s difficult to choose the most cost effective provider.

How to Get Insurance Comparison Quotes

Most companies like Allstate and Progressive give price estimates online. Getting online rates doesn’t take much effort as you just type in your required coverages into the quote form. After you complete the form, the system sends out for your driving record and credit report and returns pricing information based on many factors. Online price quotes makes it a lot easier to compare rates but the time it takes to visit different websites and enter the same data into a form can be a bit tiresome and repetitive. But it is imperative to get many rate quotes in order to get the best price possible.

A more efficient way to compare rates requires only one form to obtain quotes from multiple companies. It saves time, requires much less work on your part, and makes comparison shopping much more enjoyable. After sending the form, it gets priced and you can choose any of the quote results. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It just takes a couple of minutes and you’ll know if lower rates are available.

To quickly use this form to compare rates, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you copy the coverage information exactly as shown on your declarations page. This helps ensure you’re receiving a fair comparison for exact coverage.

There’s no such thing as the perfect policy

When choosing the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Is my 1990 Dodge Ram 50 Pickup covered for flood damage?
  • Am I covered if I wreck a rental car?
  • What is medical payments coverage?
  • Do all my vehicles need collision coverage?
  • Can I get a multi-policy discount?
  • How can I get high-risk coverage after a DUI?
  • At what point should I drop full coverage?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Insurance policy coverages for a Dodge Ram 50 Pickup

Understanding the coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.

Auto collision coverage

Collision insurance will pay to fix damage to your Ram 50 Pickup caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This will pay to fix 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 comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses for nursing services, pain medications and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like structural damage, bail bonds, legal defense fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Ram 50 Pickup.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.