1993 Dodge RAM 350 Insurance Quotes – 5 Tips for Best Rates

Trying to find low-cost insurance for your Dodge RAM 350 can be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to find car insurance online and you need to know the quickest way to compare rates for a new or used Dodge and find the best price possible.

You should take the time to do rate comparisons every six months because rates go up and down regularly. Just because you found the lowest price for RAM 350 insurance a year ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you’re about to learn the fastest and easiest way to eliminate unnecessary coverages and save money.

If you are insured now or are just looking to switch companies, you will benefit by learning to find the best rates and possibly find even better coverage. Finding the best coverage is not that difficult. Drivers just need to understand the tricks to shop online.

Do you qualify for a discount?

Car insurance companies don’t necessarily list every discount very clearly, so here is a list both well-publicized and also the lesser-known ways to save on insurance. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for RAM 350 insurance than drivers with accidents.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Distant Student – Children who are attending college without a vehicle on campus may qualify for this discount.

It’s important to note that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

Insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask every prospective company which discounts they offer. Discounts might not be offered in every state.

What coverages do I need?

When buying the best insurance coverage coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions might point out if your situation may require specific advice.

  • Is extra glass coverage worth it?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have newly-aquired coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is the minimum liability in my state?
  • Is my Dodge RAM 350 covered if I use it for business?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

The fine print in auto insurance ads

Consumers can’t ignore all the ads that promise big savings by companies like State Farm and Allstate. They all say the same thing that you’ll save big if you move to them.

But how can every company claim to save you money?

All the different companies are able to cherry pick for the driver that makes them money. A good example of a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and has a high credit rating. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who don’t measure up to the requirements will be charged a more expensive rate which leads to the customer not buying. The ads state “customers that switch” not “everybody who quotes” save that much. That’s why companies can make the claims of big savings. That is why drivers must get as many comparisons as possible. You cannot predict which insurance companies will give you the biggest savings on Dodge RAM 350 insurance.

Learn about auto insurance coverages for a Dodge RAM 350

Having a good grasp of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for liability

This protects you from damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like attorney fees, medical expenses and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for surgery, nursing services, doctor visits, pain medications and ambulance fees. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage

This covers damage to your RAM 350 resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, sideswiping another vehicle, driving through your garage door, colliding with a tree and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, fire damage, rock chips in glass and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Make a quick buck

Cheap 1993 Dodge RAM 350 insurance is available from both online companies as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Consumers leave their current company for many reasons like extreme rates for teen drivers, an unsatisfactory settlement offer, delays in paying claims and being labeled a high risk driver. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped full coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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