Lower Your 1991 Dodge Ramcharger Insurance Cost

Searching for lower insurance rates for your Dodge Ramcharger? Have you fallen victim to overpriced insurance? Trust us, there are lots of people in the same boat.

There is such a variety of auto insurance companies to pick from, and although it’s a good thing to be able to choose, it can be more difficult to locate the cheapest rates.

You should make it a habit to take a look at other company’s rates quite often since rates tend to go up over time. Even if you got the best price on Ramcharger coverage a couple years back other companies may now be cheaper. So forget all the misinformation about insurance because it’s time to teach you how to use online quotes to save on insurance.

Shopping for the lowest cost insurance coverage is simple if you know the tricks. In a nutshell, every driver who is shopping for insurance most likely will be able to lower their premiums. But car owners must understand the way insurance companies sell online and apply this information to your search.

How to Compare Insurance Coverage Costs

Comparing insurance coverage rates can be exhausting if you don’t utilize the most efficient way. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you could use online quoting to achieve your goal.

Many of the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and every company can provide price quotes determined by their information. This system prevents you from having to do repetitive form submissions for each company.

To use this form to compare 1991 Dodge Ramcharger insurance rates click here (opens in new window).

One minor caviat to using this type of form is you don’t know exactly the insurers to get pricing from. If you wish to select individual companies to compare, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use identical information with each company. If you have mixed coverages it will be very difficult to determine which rate is truly the best. Quoting even small variations in coverage limits can make a big difference in price. And when comparing insurance coverage rates, know that comparing more company’s prices provides better odds of finding the best rates.

Do you really save 40% when you switch?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads make the same claim of big savings if you change your policy. How does each company claim to save you money?

All the different companies are able to cherry pick for the right customer that earns them a profit. An example of a driver they prefer could be between the ages of 40 and 55, has no tickets, and has excellent credit. A customer who meets those qualifications will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who fall outside the “perfect” profile will be charged higher prices which leads to business not being written. The ads say “customers who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently make the claims of big savings.

That is why it’s extremely important to get quotes from several different companies. You cannot predict which auto insurance company will have the lowest Dodge Ramcharger insurance rates.

Dodge Ramcharger rates are complex

Smart consumers have a good feel for the rating factors that go into determining insurance rates. Understanding what determines base rates empowers consumers to make smart changes that can help you get better insurance rates.

  • Don’t get talked into coverage you don’t need – There are a ton of extra bells and whistles that you can buy when buying insurance. Things like rental car reimbursement, towing coverage and term life insurance are examples of these. They may seem like a good idea at first, but if they’re wasting money remove them from your policy.
  • Younger drivers pay higher rates – More mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers tend to get distracted easily when driving therefore insurance rates are much higher.
  • An active claims history can cost you – Car insurance companies award better rates to people who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is designed for major claims that would cause financial hardship.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire will be a fast way to increase your insurance rates. Not only will rates go up, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.

Cut your insurance rates with discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but a few must be asked for before they will apply.

  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Early Switch Discount – A few companies offer discounts for signing up before your current policy expires. It’s a savings of about 10%.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Ramcharger coverage with select insurance companies.
  • Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge can qualify you for better rates on cars that stay parked.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Memberships – Participating in certain professional organizations is a good way to get lower rates on your policy on Ramcharger coverage.
  • Accident Waiver – A few companies allow you one accident before raising your premiums if you are claim-free for a particular time prior to the accident.

Drivers should understand that most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will help reduce the amount you have to pay.

Insurance companies that may offer these money-saving discounts include:

Double check with each company what discounts are available to you. Savings might not be offered everywhere.

You are unique and your insurance coverage should be too

When it comes to choosing coverage, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help you determine if your insurance needs might need professional guidance.

  • Should I get collision insurance on every vehicle?
  • At what point should I drop full coverage?
  • Can I drive in Mexico and have coverage?
  • Does my insurance cover a custom paint job?
  • Do I need more liability coverage?
  • Is there coverage for injuries to my pets?
  • How does medical payments coverage work?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Information about specific coverages

Knowing the specifics of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages offered by car insurance companies.

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to a person or their property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical expenses, court costs and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Auto collision coverage

Collision insurance pays for damage to your Ramcharger resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists 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 Ramcharger.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, a broken windshield, damage from a tornado or hurricane and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like chiropractic care, ambulance fees, rehabilitation expenses, dental work and surgery. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Shop smart and save

The cheapest 1991 Dodge Ramcharger insurance can be sourced online in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at a price you can afford.

To read more, feel free to visit the following helpful articles: