Lower Your 2000 Dodge Ram Wagon Car Insurance Rates

Confused by the number of insurance options? Many other drivers are as well. Consumers have so many choices that it can easily become a real hassle to locate the lowest price.

You should take the time to compare prices before your policy renews because prices go up and down regularly. Even if you think you had the best rates for Ram Wagon coverage two years ago you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about insurance because you’re going to get a crash course in how to quote online to reduce your cost while increasing coverage.

Locating more affordable car insurance is simple if you know the tricks. Basically, everyone who carries car insurance stands a good chance to be able to save money. But vehicle owners do need to understand how insurance companies price online insurance and apply this information to your search.

How to Compare Insurance Coverage Costs

Most companies like Allstate, Geico and Progressive provide price estimates directly from their websites. Obtaining pricing is fairly simple as you just enter the amount of coverage you want as detailed in the form. Upon sending the form, the company’s rating system requests reports for credit and driving violations and generates a price.

This streamlines rate comparisons, but the work required to visit a lot of sites and enter the same data into a form can get tiresome after awhile. But it’s very important to compare as many rates as possible if you want to find better prices.

There is an easier way!

The smarter way to locate the lowest prices utilizes a single form to get prices from multiple companies. It saves time, eliminates form submissions, and makes online quotes much more efficient. As soon as you send your information, it gets priced and you can select your choice of the quotes returned.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. It takes just a few minutes to complete and can result in significant savings.

To save time and use this form to compare rates, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you type in the coverages identical to your current policy. This way, you are getting an apples-to-apples comparison using the same coverage and limits.

Impacting insurance rates for a Dodge Ram Wagon

Smart consumers have a good feel for the factors that help determine insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Bump up deductibles to save – The deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, vandalism, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for Ram Wagon coverage.
  • Multi-policy discounts can save money – Most insurance companies will award you with lower prices to people who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to verify if the discount is saving money.
  • Older drivers pay less – Teenage drivers tend to be more careless when driving so they pay higher insurance rates. Having to add a young driver to your insurance policy can really hurt. More mature drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
  • Do men or women drive better? – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both sexes cause accidents in similar numbers, but the male of the species cause more damage. Men also tend to get cited for more serious violations like DUI and reckless driving. Young males are several times more likely to be in an accident and are penalized with high insurance rates.
  • Pleasure use or commuting – The more miles you rack up on your Dodge every year the higher your rates will be. Almost all companies rate vehicles determined by how the vehicle is used. Vehicles left parked in the garage receive lower rates compared to those used for work or business. Having the wrong rating on your Ram Wagon may be wasting your money. Make sure your insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
  • Being married is a good thing – Having a wife or husband can get you a discount on insurance. It translates into being more mature and responsible and it’s proven that married couples file fewer claims.
  • Don’t cancel a policy without a new one in place – Driving without insurance is against the law and your next policy will cost more because you let your insurance lapse. Not only will you pay more, but being ticketed for driving with no insurance will get you a license revocation or jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Your insurance rates can be influenced by your job – Occupations such as lawyers, executives and stock brokers are shown to have the highest rates attributed to high stress and lots of time spent at work. On the other hand, occupations such as actors, students and retirees pay the least for Ram Wagon coverage.

Cut your insurance coverage rates with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be applied at the time of purchase, but a few must be specifically requested prior to getting the savings.

  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Paperwork-free – Certain companies will give a small break just for signing your application online.
  • Accident Waiver – Some insurance companies permit an accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Homeowners Pay Less – Owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home shows financial diligence.
  • Claim Free – Drivers who don’t have accidents pay much less as compared to bad drivers.
  • Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will help reduce your overall premium however.

A partial list of companies that may offer these benefits include:

Check with every prospective company which discounts you may be entitled to. Discounts might not apply in your area.

You are unique and your insurance coverage should be too

When it comes to buying coverage, there isn’t really a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help highlight if you may require specific advice.

  • When would I need rental car insurance?
  • How many claims can I have before being cancelled?
  • Am I covered if I hit a deer?
  • Which companies will insure high-risk drivers?
  • Can my babysitter drive my car?
  • Is there coverage for injuries to my pets?
  • Are split liability limits better than a combined single limit?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my teenager covered with friends in the car?
  • What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Auto insurance coverages

Understanding the coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like rehabilitation expenses, EMT expenses and doctor visits. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, hail damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage will pay to fix damage to your Ram Wagon caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Liability coverage

This coverage will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, medical expenses, repair bills for other people’s vehicles, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

A little work can save a LOT of money

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut collision coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Affordable 2000 Dodge Ram Wagon insurance can be sourced on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

Consumers switch companies for a variety of reasons including not issuing a premium refund, delays in paying claims, being labeled a high risk driver or poor customer service. Regardless of your reason, finding a new company is pretty easy and you might even save some money in the process.

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