View 1998 Dodge Ram Van Insurance Rates

Want better insurance coverage rates? Drivers have many options when trying to find low-cost Dodge Ram Van insurance. They can either spend hours calling around getting price quotes or utilize the internet to get rate quotes.

There is a better way to find insurance coverage online and you need to know the proper way to get price quotes for a Dodge and obtain the lowest price from local insurance agents and online providers.

How to Get Car Insurance

All major car insurance companies quote price estimates on their websites. Getting online quotes doesn’t take a lot of time as you simply type in the coverage amounts you desire as requested by the quote form. Once entered, the company’s rating system gets reports for credit and driving violations and provides a quote determined by many factors.

Being able to quote online makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it’s very important to perform this step if you want to find a better rate.

An easier way to compare car insurance pricing makes use of a single form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online price comparison a little more enjoyable. After sending the form, it is quoted and you are able to buy any or none of the price quotes you receive.

If you find a better price you can simply submit the application and purchase coverage. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

To save time and use this form to compare rates, click here and submit your coverage information. If you have coverage now, it’s recommended you complete the form with coverages and limits identical to your current policy. This makes sure you will be getting rate comparison quotes based on identical coverages.

Which policy gives me the best coverage?

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.

These are some specific questions may help you determine whether you may require specific advice.

  • Am I covered if my car is in a flood?
  • Should I file a claim if it’s only slightly more than my deductible?
  • If my pet gets injured in an accident are they covered?
  • Who is covered when they drive my 1998 Dodge Ram Van?
  • I have health insurance so do I need medical payments coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • What happens if I owe more than my 1998 Dodge Ram Van is worth?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, fire damage, hail damage, a tree branch falling on your vehicle and theft. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

Collision coverage pays for damage to your Ram Van caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with another moving vehicle, backing into a parked car, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like prosthetic devices, EMT expenses, X-ray expenses, funeral costs and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists 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.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance

This coverage will cover damage that occurs to other people or property. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like attorney fees, repair costs for stationary objects, legal defense fees and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.