Save on 1991 Dodge Ram 50 Pickup Insurance Cost

Want the cheapest car insurance rates for your Dodge Ram 50 Pickup? Have you had enough of scraping the payment together to buy car insurance? You are in the same boat as the majority of other car owners. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with ads and it is challenging if not impossible to see past the corporate glitz and find the best price available.

More discounts equal less premium

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so we break down both the well known and also the lesser-known ways to save on insurance. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • 55 and Retired – Mature drivers may be able to get better insurance rates on Ram 50 pickup insurance.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.
  • Bundle and Save – When you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • Student Driver Training – Have your child enroll in driver’s education if offered at their school.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Ram 50 pickup insurance depending on your company.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on Ram 50 pickup insurance than drivers with accident claims.
  • Homeowners Savings – Simply owning a home can help you save on insurance due to the fact that maintaining a home requires personal responsibility.
  • Early Switch Discount – Select companies give a discount for switching to them before your current expiration date. It’s a savings of about 10%.
  • Low Mileage – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.

Keep in mind that some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you could get a free insurance policy, it just doesn’t work that way.

For a list of insurers with discount insurance rates, click here.

How to Compare Insurance Coverage

Shopping for lower insurance coverage rates can be a daunting task if you aren’t aware of the easiest way. You could spend your day driving to agents in your area, or you could save time and use the internet for quick rates.

Many companies take part in a program that enables customers to only type in their quote data once, and at least one company provides a quote based on the submitted data. This system prevents you from having to do repetitive form submissions to each individual insurance coverage company.

To enter your information into the quoting system, click here to open in new window.

The only drawback to using this type of system is you cannot specify the companies you want pricing from. So if you want to choose specific insurance companies to request quotes from, we have a listing of the cheapest insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but be sure to compare the exact same coverage limits and deductibles for each comparison quote. If you enter different values for each quote it will be impossible to determine which rate is truly the best.

Factors influencing Dodge Ram 50 Pickup insurance rates

Consumers need to have an understanding of the rating factors that help determine your auto insurance rates. Understanding what controls the rates you pay enables informed choices that may reward you with big savings.

  • Optional equipment can affect rates – Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • More than one policy can earn a discount – Many insurance companies provide better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to compare rates to ensure the best deal. You may still find better rates by splitting coverages up.
  • More people means more accidents – Residing in less populated areas is a positive aspect when it comes to auto insurance. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. Lower population means fewer accidents and also fewer theft and vandalism claims.
  • What are your deductibles? – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Dodge. A few examples of covered claims could be running into the backend of another car, collision with an animal, and windstorm damage. Physical damage deductibles are how much you are required to spend before a claim is paid by your company. The higher the amount you have to pay, the bigger discount you will receive on Ram 50 pickup insurance.
  • Males pay more for insurance – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both have accidents in similar percentages, but the male of the species cause more damage. Men also tend to receive more costly citations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.

It’s not one size fits all

When it comes to choosing the best car insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Does coverage extend to Mexico or Canada?
  • What is medical payments coverage?
  • Where can I find high-risk insurance?
  • Does my insurance cover a custom paint job?
  • How does medical payments coverage work?
  • Is a blown tire covered by insurance?
  • Does my 1991 Dodge Ram 50 Pickup need full coverage?
  • Do I have coverage when using my vehicle for my home business?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Auto insurance coverage information

Knowing the specifics of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from getting keyed, rock chips in glass and falling objects. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as prosthetic devices, X-ray expenses, pain medications, funeral costs and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, 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 policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as medical services, court costs, structural damage, funeral expenses and pain and suffering. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Ram 50 Pickup.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision protection

This covers damage to your Ram 50 Pickup resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, sustaining damage from a pot hole, sideswiping another vehicle, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

The best insurance company isn’t always the cheapest

Lower-priced 1991 Dodge Ram 50 Pickup insurance is possible from both online companies as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. A few companies don’t offer online quoting and these regional insurance providers work with independent agents.

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an insured cut liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

You just read some good ideas how you can compare insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. You may even discover the best prices are with some of the lesser-known companies. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

More information is available at the links below