Looking for lower auto insurance rates for your Dodge Ram Van? Have you fallen victim to high-priced auto insurance? Trust us, you are not the only one feeling buyer’s remorse. Drivers have so many auto insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, having more auto insurance companies makes it harder to adequately compare rates.
Finding a better price on car insurance doesn’t have to be difficult. Consumers just need to spend a few minutes to compare quotes provided by online insurance companies. This can be done in a couple of different ways.
The most efficient way to get quotes is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating separate forms to each individual car insurance company. Just one form gets you coverage quotes from multiple companies.
Another way to analyze rates requires you to visit the website of each company and complete a new quote form. For instance, we’ll assume you want rates from Auto-Owners, GEICO and State Farm. You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
The least recommended way to compare rates is driving to different agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you require the personal advice of a local agent. Drivers can get prices online but still have the advice of a local agent and we’ll touch on that later.
It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same information for every quote you compare. If you compare different liability limits it will be very difficult to make an equal comparison.
Companies that sell car insurance don’t always advertise every discount in a way that’s easy to find, so here is a list some of the more common as well as the least known ways to save on insurance. If you aren’t receiving every discount you deserve, you’re paying more than you need to.
It’s important to understand that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you could get a free insurance policy, insurance companies aren’t that generous.
Insurance companies that may offer these benefits are:
It’s a good idea to ask every prospective company which discounts they offer. Savings may not apply in your area.
When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help you determine whether or not you might need an agent’s assistance.
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.
Smart consumers have a good feel for the rating factors that play a part in calculating your insurance rates. Having a good understanding of what influences your rates enables informed choices that will entitle you to better insurance rates.
Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.
Liability insurance – This provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers claims such as funeral expenses, medical services and loss of income. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.
Comprehensive auto coverage – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for things like a broken windshield, hitting a deer and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Van.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as chiropractic care, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverages – This will pay to fix damage to your Ram Van caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as hitting a mailbox, sustaining damage from a pot hole, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.
Budget-conscious 2000 Dodge Ram Van insurance is attainable on the web in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not provide online quoting and most of the time these small, regional companies sell through independent agents.
When trying to cut insurance costs, you should never skimp on coverage in order to save money. There have been many situations where an insured cut physical damage coverage and learned later that it was a big mistake. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.