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Dodge Ram Wagon Insurance Rates

Finding cheaper auto insurance by getting online quotes is easy, in addition you may find lower rates. The key is to get rates from as many companies as possible so you can get the best prices.

Consumers who are new to the process of comparing rates may think finding cut-rate Ram Wagon insurance is nearly impossible. Finding a better price on auto insurance can be relatively painless. Consumers just need to spend a few minutes to compare quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

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Criteria which help determine your insurance rates

Insurance premiums for your Dodge Ram Wagon can fluctuate considerably based upon several criteria. A few of these criteria are:

  • Your driving record
  • Credit rating impacts rates
  • Your gender can raise or lower rates
  • Low deductibles cost more
  • NTSB crash rating for your vehicle
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older Dodge models so repair costs are higher which may result in higher rates. But newer models have more advanced features including pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification which may give discounted rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability - Liability insurance protects you from injuries or damage you cause to other's property or people that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision coverages - This pays for damage to your Dodge resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance - Med pay and PIP coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance program or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Ram Wagon Insurance Rates?