Compare 1991 Dodge Ram Van Insurance Quotes

Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us, there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

There are many auto insurance companies to choose from, and even though it’s nice to be able to choose, it can be more difficult to find the lowest cost provider.

How to Buy Insurance Coverage Online

Effectively comparing insurance coverage prices can take time and effort if you don’t understand the most efficient way to do it. You could waste time talking about coverages with insurance agencies in your area, or you can utilize online quotes to get the quickest rates.

Many popular insurance companies take part in a program where insurance shoppers enter their policy data once, and every company can give them a price based on that data. This prevents consumers from doing form submissions to every company. To find out how much you can save on insurance coverage click here to start a free quote.

The only drawback to doing it this way is buyers cannot specifically choose the insurers you will receive quotes from. If you wish to select individual companies for rate comparison, we put together a list of companies who write insurance coverage in your area. Click here to view list.

Whichever method you choose, make absolute certain that you use identical coverages and limits with each company. If you are comparing higher or lower deductibles it will be impossible to determine the lowest rate for your Dodge Ram Van. Having just a slight variation in insurance coverages may result in large price differences. And when price shopping your coverage, quoting more helps locate a lower rate.

How much can you save with discounts?

Car insurance can cost a lot, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically when you quote, but a few must be asked about prior to receiving the credit.

  • Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiring. It can save you around 10%.
  • Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Save over 55 – Older drivers can possibly qualify for a discount up to 10% for Ram van coverage.
  • Drive Safe and Save – Safe drivers may save up to 50% more for Ram van coverage than their less cautious counterparts.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.

Drivers should understand that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like you could get a free insurance policy, it doesn’t quite work that way. Any amount of discount will cut the amount you have to pay.

Insurance companies who might offer these money-saving discounts include:

Check with each company which discounts you may be entitled to. Discounts might not apply everywhere.

These factors can influence what you pay for Dodge Ram Van insurance

It’s important that you understand some of the elements that help determine the price you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with better car insurance rates.

  • Your location affects your rates – Living in small towns and rural areas can save you money when insuring your vehicles. City drivers tend to have traffic congestion and much longer commute distances. Lower population translates into fewer accidents.
  • Proper usage rating affects rates – The higher the mileage driven each year the higher your rates will be. The majority of insurers rate vehicles based on how the vehicle is used. Cars not used for work or commuting get more affordable rates than those used for commuting. If your policy improperly rates your Ram Van may be costing you. Ask your agent if your car insurance declarations sheet properly reflects the correct usage for each vehicle.
  • Better crash test results mean better rates – Cars with high safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If your Dodge Ram Van has ratings of a minimum four stars on you are probably receiving a discount.
  • Low deductibles can be expensive – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Dodge. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, or theft. Your deductibles are how much you are willing to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be for Ram van coverage.
  • Equipment add-ons that lower car insurance rates – Owning a car with anti-theft technology or alarm system can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Older drivers save more – Youthful drivers are known to be more careless when behind the wheel so car insurance rates are higher. Older insureds are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.

How much car insurance do I need?

When buying the best insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For example, these questions could help you determine whether you could use an agent’s help.

  • When should I remove comp and collision on my 1991 Dodge Ram Van?
  • Do I really need UM/UIM coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • How much can I save by bundling my policies?
  • Does my 1991 Dodge Ram Van qualify for pleasure use?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need replacement cost coverage on my 1991 Dodge Ram Van?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Save $483 a year? Really?

Allstate, GEICO and Progressive consistently run ads in print and on television. All the companies make the same claim about savings if you change to their company. How does each company make almost identical claims? This is how they do it.

All companies have a preferred profile for the type of customer that is profitable for them. For instance, a profitable customer could be a mature driver, has no tickets, and drives less than 10,000 miles a year. A driver who matches those parameters will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who are not a match for this ideal profile will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone that quotes” save that much. This is how insurance companies can confidently make those claims.

Because of the profiling, you should compare many company’s rates. You cannot predict which insurance companies will have the lowest Dodge Ram Van insurance rates.

Educate yourself about auto insurance coverages

Learning about specific coverages of auto insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on the average auto insurance policy.

Collision protection

This coverage will pay to fix damage to your Ram Van resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses such as rehabilitation expenses, funeral costs and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, theft, hitting a bird, falling objects and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Dodge Ram Van.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Liability car insurance

This can cover damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like pain and suffering, repair bills for other people’s vehicles, court costs, emergency aid and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Affordable insurance is out there

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. There have been many cases where an insured cut full coverage and discovered at claim time that it was a big mistake. The ultimate goal is to find the BEST coverage at the best price, not the least amount of coverage.

You just learned some good ideas how to reduce 1991 Dodge Ram Van insurance prices online. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from a small mutual company. They can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

More detailed insurance coverage information is available in these articles: