Cheaper 1998 Dodge Ram Wagon Car Insurance Rates

Sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than most other car owners. Many car insurance companies vie for your insurance dollar, so it’s not easy to compare every insurer to discover the definitive cheapest price

You should make it a habit to do rate comparisons every six months since rates trend upward over time. If you had the best price on Ram Wagon coverage last year the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the best methods to lower your rates without sacrificing coverage.

If you have a current insurance policy or need new coverage, you can learn to reduce the price you pay and still get good coverage. Finding affordable coverage is quite easy. Drivers just need to know the most effective way to shop their coverage around online.

How to Compare Car Insurance Rates

Getting a lower price on 1998 Dodge Ram Wagon insurance is a fairly straight forward process. The only thing you need to do is take time getting comparison quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

  1. The fastest way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for separate quote forms for each company. Completing one form gets rate comparisons from many national carriers.
  2. A different way to find lower rates is to take the time to go to each individual company website to complete their respective quote request forms. For instance, we’ll assume you want to compare Auto-Owners, Progressive and Farmers. You would have to visit each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. The hardest way to get comparison rates is to waste gas driving to insurance agents’ offices. Shopping for car insurance online makes this process obsolete unless you prefer the trained guidance of a licensed agent. It is possible to find lower rates online and get advice from an agent in your area and we’ll talk about that later.

Whichever way you use, ensure you’re using the exact same coverage limits for each comparison quote. If you have different liability limits it will be next to impossible to make an equal comparison.

Do drivers who switch really save $468 a year?

Consumers constantly see and hear ads that promise big savings from the likes of Allstate, Geico and Progressive. They all say the same thing about savings if you change your coverage to them.

How does each company make the same claim? It’s all in the numbers.

Different companies can use profiling for the type of customer they prefer to insure. A good example of a driver they prefer could be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who matches those parameters gets the lowest rates and therefore will save a lot of money.

Consumers who don’t meet this ideal profile will be charged a more expensive rate and ends up with business going elsewhere. The ad wording is “drivers who switch” not “people who quote” save money. That is how companies can truthfully make those claims.

That is why it is so important to get a wide range of price quotes. It is impossible to predict which company will provide you with the cheapest Dodge Ram Wagon insurance rates.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but there are discounts available to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be specially asked for before being credited. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10% on Ram Wagon coverage.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Ram Wagon coverage than drivers with accidents.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Ram Wagon coverage with a few insurance coverage companies.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only cut individual premiums such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way. But any discount will bring down your premiums.

For a list of providers with discount insurance coverage rates, click this link.

How do I know if I need professional advice?

When it comes to choosing the best insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

  • Which companies will insure high-risk drivers?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I carry comprehensive and collision coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need roadside assistance coverage?
  • If I drive on a suspended license am I covered?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Educate yourself about auto insurance coverages

Learning about specific coverages of auto insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average auto insurance policy.

Collision – Collision insurance covers damage to your Ram Wagon resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like rolling your car, hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Liability coverage – This can cover damage that occurs to a person or their property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like loss of income, legal defense fees, court costs and emergency aid. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, damage from flooding, falling objects, rock chips in glass and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses like rehabilitation expenses, doctor visits and pain medications. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

You can do this!

When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, someone sacrificed physical damage coverage only to regret that they should have had better coverage. Your aim should be to buy a smart amount of coverage at the best price.

Lower-priced 1998 Dodge Ram Wagon insurance is attainable online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

We covered a lot of techniques to get a better price on insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the lowest priced auto insurance comes from a smaller regional carrier. These companies may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

Additional information