2001 Dodge Ram Wagon Insurance Rates – 9 Tips for Best Quotes

Finding low-cost insurance for a Dodge Ram Wagon can turn out to be difficult, but you can use the following methods and make it easy.

There is a better way to shop for insurance and we’ll show you the absolute fastest way to compare rates on a Dodge and obtain the lowest price from local insurance agents and online providers.

Comprehensive Insurance Comparison

Finding lower insurance rates can be surprisingly simple. All that’s required is to take a couple of minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

  • One of the best ways consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing repetitive form entry for each company. Just one form gets you price quotes instantly.It’s the quickest way to get rates.
  • A more time consuming way to shop for insurance online requires visiting the website for every company you want to comare to complete a price quote. For examples sake, let’s say you want comparison quotes from Progressive, Safeco and Liberty Mutual. To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but be sure to compare exactly the same coverage limits on every quote you get. If your comparisons have higher or lower deductibles it will be next to impossible to make an equal comparison.

Discounts mean cheaper Dodge Ram Wagon insurance rates

The price of auto insurance can be rather high, but you can get discounts to reduce the price significantly. A few discounts will automatically apply at quote time, but a few must be inquired about before you get the savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Sign Online – A handful of insurance companies give back up to $50 for buying your policy over the internet.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Accident Free – Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% off your PIP or medical payments premium.
  • 55 and Retired – Older drivers may be able to get a small decrease in premiums for Ram Wagon insurance.

It’s important to understand that most credits do not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way. But all discounts will bring down the amount you have to pay.

Car insurance companies that may offer some of the above discounts include:

Before buying, ask every prospective company which discounts they offer. Some discounts may not be available in your area.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether or not you might need professional guidance.

  • Do I need replacement cost coverage?
  • I don’t drive much so do I pay less?
  • What if I total my 2001 Dodge Ram Wagon and owe more than it’s worth?
  • Are split liability limits better than a combined single limit?
  • Does insurance cover damages from a DUI accident?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Where can I get insurance after a DUI in my state?
  • Am I covered when using my vehicle for business?
  • Is my cargo covered for damage or theft?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverage considerations

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills for things like dental work, rehabilitation expenses, doctor visits, hospital visits and ambulance fees. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

This pays for damage to your Ram Wagon resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, hitting a mailbox, colliding with a tree, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property by causing an accident. 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 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like bail bonds, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2001 Dodge Ram Wagon.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, fire damage, a broken windshield and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

In the end, you save

Consumers leave their current company for a number of reasons such as policy non-renewal, delays in responding to claim requests, unfair underwriting practices and even not issuing a premium refund. Regardless of your reason, finding a new company can be easy and end up saving you some money.

We just presented some good ideas how to shop for 2001 Dodge Ram Wagon insurance online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on insurance is with a small mutual company.

When you buy insurance online, never sacrifice coverage to reduce premiums. In many cases, an insured dropped full coverage and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at a price you can afford.

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