Lower Your 2002 Dodge Ram Wagon Insurance Quotes

Want cheaper insurance rates? Drivers have options when trying to find affordable Dodge Ram Wagon insurance. You can either waste hours calling around trying to get quotes or leverage the internet to get rate quotes.

There is a right way and a wrong way to buy insurance and you need to know the proper way to quote coverages for a Dodge and get the cheapest rates.

Save with discounts on 2002 Dodge Ram Wagon insurance

Insuring your fleet can be pricey, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be requested specifically before you get the savings. If you don’t get every credit possible, you’re paying more than you need to.

  • Homeowners Savings – Simply owning a home can save you money because maintaining a house demonstrates responsibility.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Bundle and Save – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on Ram Wagon insurance with a few insurance coverage companies.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Paperwork-free – Some insurance companies give back up to $50 just for signing your application over the internet.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.

It’s important to understand that many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will help reduce the cost of coverage.

Companies that may have some of the above discounts include:

Double check with each company how you can save money. Discounts may not be available everywhere.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if your insurance needs might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Am I covered when driving in Canada or Mexico?
  • When should I remove comp and collision on my 2002 Dodge Ram Wagon?
  • Are split liability limits better than a combined single limit?
  • Does my 2002 Dodge Ram Wagon qualify for pleasure use?
  • What if I total my 2002 Dodge Ram Wagon and owe more than it’s worth?
  • How high should deductibles be on a 2002 Dodge Ram Wagon?
  • Do I need roadside assistance coverage?
  • Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage information

Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Dodge Ram Wagon.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Liability auto insurance – Liability insurance protects you from damages or injuries you inflict on people or other property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical expenses, repair bills for other people’s vehicles, court costs and pain and suffering. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, fire damage, hitting a bird, damage from getting keyed and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, sideswiping another vehicle, sustaining damage from a pot hole, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses such as funeral costs, nursing services, hospital visits and EMT expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Pennies from heaven

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There are many occasions where someone dropped full coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible for the lowest price.

We just showed you a lot of techniques to shop for 2002 Dodge Ram Wagon insurance online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance coverage is with the smaller companies.

People leave their current company for a variety of reasons including delays in paying claims, questionable increases in premium, unfair underwriting practices or policy non-renewal. Whatever your reason, choosing a new insurance company can be easy and end up saving you some money.

More detailed insurance coverage information is located in these articles: