2002 Dodge Ram Cargo Car Insurance Rates – 5 Tricks for Cheaper Quotes

Trying to find lower insurance rates for your Dodge Ram Cargo? Did you fall for a flashy sales pitch and buy high-priced insurance? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Since consumers have many choices of insurance companies, it can be challenging to choose the most affordable company.

It is always a good idea to get comparison quotes once or twice a year because rates are usually higher with each renewal. Despite the fact that you may have had the best price for Ram Cargo coverage six months ago a different company probably has better rates today. There is a lot of bad advice regarding insurance online but we’re going to give you some excellent ideas to buy insurance cheaper.

Finding affordable coverage is not rocket science. Basically, anyone who buys insurance stands a good chance to be able to find better rates. Nevertheless, consumers need to have an understanding of the way insurance companies price online insurance and take advantage of how the system works.

The quickest method we recommend to compare insurance rates in your area utilizes the fact most insurance companies pay for the opportunity to provide you with free rate quotes. To get started, all you need to do is spend a couple of minutes providing details such as if the car is leased, how much coverage you want, distance driven, and whether you drive to work or school. Your information gets transmitted to multiple companies and you will get price comparisons within a short period of time.

To compare rates for a Dodge Ram Cargo now, click here then complete the form.

Your personal situation dictates your coverage

When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For example, these questions can aid in determining if you would benefit from professional advice.

  • What can I do if my company won’t pay a claim?
  • Do I really need UM/UIM coverage?
  • What is the difference between comprehensive and collision coverage?
  • Do I pay less for low miles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What if I don’t agree with a claim settlement offer?
  • Do I need to file an SR-22 for a DUI in my state?
  • What discounts do I qualify for?
  • Am I covered if I break a side mirror?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance policy coverages for a 2002 Dodge Ram Cargo

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

UM/UIM Coverage

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2002 Dodge Ram Cargo.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, falling objects, a tree branch falling on your vehicle and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for ambulance fees, surgery and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability

Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as legal defense fees, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.