Cheap 1995 Dodge Ram Van Insurance Rates

Drivers have lots of choices when trying to find affordable Dodge Ram Van insurance. They can either spend hours driving around trying to get quotes or save time using the internet to get rate quotes.

There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to quote coverages for a Dodge and locate the lowest price either online or from local insurance agents.

The best way we recommend to compare rates takes advantage of the fact auto insurance companies actually pay money for the chance to give rate comparisons. All you need to do is spend a couple of minutes providing details such as how your vehicles are used, how many miles driven, your education level, and whether you are single or married. Your details gets sent immediately to multiple different insurance companies and they return cost estimate with very little delay.

To find the cheapest 1995 Dodge Ram Van insurance rates, click here and enter your zip code.

Verify you’re getting all your discounts

Insuring your vehicles can cost a lot, but you may find discounts to help offset the cost. Most are applied when you get a quote, but some may not be applied and must be specially asked for prior to getting the savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • One Accident Forgiven – Certain companies will forgive one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Homeowners Savings – Owning a house may trigger a insurance coverage policy discount because of the fact that having a home is proof that your finances are in order.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Ram van insurance with certain companies.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • 55 and Retired – Mature drivers may receive a discount up to 10% for Ram van insurance.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save up to 5%.

Keep in mind that some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. So when it seems like you could get a free insurance coverage policy, it doesn’t quite work that way. Any amount of discount will reduce your overall premium however.

To see a list of insurance companies offering insurance coverage discounts, click this link.

When should I talk to an agent?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

These are some specific questions might help in determining whether or not you could use an agent’s help.

  • Am I covered if I crash into my own garage door?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I have a commercial auto policy?
  • Do I have coverage if my license is suspended?
  • How high should deductibles be on a 1995 Dodge Ram Van?
  • Do I have coverage when making deliveries for my home business?
  • Is my 1995 Dodge Ram Van covered for smoke damage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Factors influencing Dodge Ram Van insurance rates

It’s important that you understand the different types of things that come into play when calculating your insurance coverage rates. Having a good understanding of what influences your rates enables informed choices that will entitle you to better insurance coverage rates.

The list below includes some of the factors insurance coverage companies consider when setting prices.

  • Claim-free discounts can add up – Car insurance companies provide discounts to drivers who are claim-free. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the large, substantial claims.
  • High credit ratings translate to low rates – A driver’s credit score is a large factor in determining what you pay for insurance coverage. If your credit is lower than you’d like, you could potentially save money when insuring your 1995 Dodge Ram Van by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit.
  • Having a spouse can save you money – Having a spouse actually saves money on your policy. Having a spouse translates into being more responsible and statistics show drivers who are married are more cautious.
  • Lower miles equals lower premium – Driving more miles every year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars determined by how the vehicle is used. Cars not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your insurance coverage coverage properly reflects the proper vehicle usage, because it can save money. Incorrect usage on your Ram Van can cost quite a bit.
  • Do men or women drive better? – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Both sexes are in accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get more serious tickets such as reckless driving.

Don’t listen to company ads

Consumers can’t ignore all the ads for cheaper car insurance by companies like State Farm, Geico and Progressive. They all make the same claim about savings if you switch to them.

How does each company make the same claim?

All companies are able to cherry pick for the driver that earns them a profit. For example, a driver they prefer might be profiled as over the age of 50, is a homeowner, and has a short commute. A customer who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who don’t meet the requirements will be quoted higher rates and ends up with business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save that much. This is how insurance companies can claim big savings.

This emphasizes why you should compare as many rates as you can. It’s not possible to predict which insurance companies will fit your personal profile best.

Car insurance specifics

Having a good grasp of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like X-ray expenses, EMT expenses and funeral costs. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, damage from flooding, rock chips in glass and hail damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability – Liability insurance provides protection from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see 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 property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as pain and suffering, legal defense fees, medical services, funeral expenses and structural damage. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, damaging your car on a curb, hitting a parking meter and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Quote more. Save more.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your aim should be to get the best coverage possible at the best price.

Consumers leave their current company for a variety of reasons including policy cancellation, high prices, not issuing a premium refund and poor customer service. No matter why you want to switch, switching companies is actually quite simple.

You just read a lot of tips how to save on 1995 Dodge Ram Van insurance. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even discover the best price on insurance coverage is with some of the lesser-known companies.

More detailed insurance coverage information can be read at these sites: