Best 5 Ways to Save on Dodge Ram 1500 Van Insurance

Shoppers have lots of choices when shopping for the best price on Dodge Ram 1500 Van insurance. They can either waste time driving around to get rate comparisons or save time using the internet to compare rates.

There is a right way and a wrong way to shop for car insurance and we’ll show you the absolute fastest way to quote coverages on a Dodge and locate the best price possible.

If you have a current car insurance policy or are shopping for new coverage, you can use these tips to shop for the lowest rates and still get good coverage. The purpose of this article is to help educate you on how car insurance quotes work and some money-saving tips. Drivers only need an understanding of the proper way to compare prices online.

Don’t miss these 5 discounts

Car insurance is not cheap, but you can get discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but a few need to be asked about before being credited. If you don’t get every credit available, you are paying more than you should be.

• Multi-car Discount – Having more than one vehicle on the same car insurance policy could earn a price break for each car.
• Clubs and Organizations – Belonging to a professional or civic organization could qualify you for a break when shopping for car insurance for Ram van coverage.
• Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
• Bundle and Save – When you have multiple policies with one company you will save at least 10% off all policies.
• Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will bring down the cost of coverage.

Where Can I Get Cheap Car Insurance?

Getting a cheaper price on Dodge Ram 1500 Van insurance isn’t really that difficult. Consumers just need to invest a few minutes to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

• The best way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This method saves time by eliminating a different quote to each individual car insurance company. In just a few minutes this one form will return quotes from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
• A slightly less efficient method to compare rate quotes requires you to visit the website for every company you want to comare to request a price quote. For instance, let’s say you want comparison quotes from State Farm, Liberty Mutual and GEICO. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, ensure you are comparing identical deductibles and coverage limits for each comparison quote. If your comparisons have unequal deductibles or liability limits it will be next to impossible to decipher which rate is best.

When might I need help?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions could help you determine whether or not you would benefit from professional advice.

• Do I need motorclub coverage?
• Can I afford to buy a different vehicle if my Dodge Ram 1500 Van is totaled?
• Does coverage extend to a rental car in a foreign country?
• Do I need medical payments coverage since I have good health insurance?
• Am I covered when driving in Canada or Mexico?
• Which companies will insure high-risk drivers?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Coverage specifics

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for bills for surgery, X-ray expenses and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Auto liability insurance – This coverage can cover damage or injury you incur to other people or property. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like court costs, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive car insurance – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, damage from a tornado or hurricane, theft, hitting a bird and damage from getting keyed. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance pays for damage to your Ram 1500 Van caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Compare but don’t skimp

People change insurance companies for any number of reasons including questionable increases in premium, lack of trust in their agent, extreme rates for teen drivers and even delays in paying claims. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.

The cheapest Dodge Ram 1500 Van insurance is available both online and with local insurance agents, so compare prices from both to have the best selection. A few companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, make sure you don’t reduce needed coverages to save money. In many instances, an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at a price you can afford.