1992 Dodge Ram Van Insurance Cost

Are you sick and tired of being strong-armed to insure your Dodge every month? Your situation is no different than many other drivers. Because you have many insurance coverage companies to choose from, it is hard for the average consumer to pick the best car insurance company.

It’s a good habit to do rate comparisons occasionally because rates tend to go up over time. Despite the fact that you may have had the best deal for Ram van coverage on your last policy other companies may now be cheaper. There is a lot of bad advice regarding insurance coverage online, so I’m going to show you a bunch of ideas how to quit paying high insurance coverage rates.

How to Get Insurance Coverage Comparison Quotes

There are a lot of ways to shop for insurance coverage, but there is one way that is more efficient than others. You can spend countless hours driving to insurance agencies in your area, or you could use online quotes to achieve your goal.

Many insurance companies take part in a program where insurance shoppers complete one form, and each company returns a rated price determined by their information. This prevents consumers from doing quote requests for every insurance coverage company.

To participate in this free quote system, click here to start a free quote.

The one downside to pricing coverage this way is that you can’t choose the insurers you want pricing from. So if you prefer to choose individual companies for rate comparison, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing identical coverages for each comparison quote. If you enter different limits and deductibles on each one you will not be able to determine the lowest rate for your Dodge Ram Van.

Take advantage of discounts

Car insurance can cost a lot, but you may find discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but some may not be applied and must be manually applied before they will apply. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Federal Employees – Simply working for the federal government may qualify you for a discount for Ram van coverage with a few auto insurance companies.
  • Good Student – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Student Driver Training – Have your child successfully complete driver’s ed class if offered at their school.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Passive Restraint Discount – Cars that have air bags may earn rate discounts of 20% or more.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may save at least 10% off all policies.
  • Military Discounts – Being on active duty in the military can result in better rates.

It’s important to note that many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will cut your premiums.

Insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Check with all companies you are considering which discounts they offer. Savings might not be offered everywhere.

How to know if you need help

When buying proper insurance coverage, there really is no cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions might help in determining if you might need an agent’s assistance.

  • Do I need added coverage for expensive stereo equipment?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Where can I get insurance after a DUI in my state?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when delivering products for my home-based business?
  • Do I need more liability coverage?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage options for a 1992 Dodge Ram Van

Having a good grasp of your insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Liability insurance – This can cover damage that occurs to people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like repair costs for stationary objects, loss of income, emergency aid and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Medical expense coverage – Med pay and PIP coverage provide coverage for immediate expenses such as hospital visits, rehabilitation expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive protection – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a broken windshield and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.