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1991 Dodge Ramcharger Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 24, 2017

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Trying to find better auto insurance rates for your Dodge Ramcharger? Having to pay for overpriced auto insurance can drain your savings account and make it impossible to make ends meet. Shopping your coverage around is a smart way to tighten up your finances. You have so many insurance companies to buy insurance from, and although it’s nice to be able to choose, it can be more challenging to locate the cheapest rates.

It is always a good idea to price shop coverage quite often because rates trend upward over time. Even if you think you had the best rates on Ramcharger insurance six months ago the chances are good that you can find a lower rate today. Starting now, ignore everything you know about auto insurance because we’re going to show you how to quote online to find lower rates on auto insurance.

The fastest way that we advise to compare rates is to know most of the larger companies pay for the opportunity to provide you with a free rate quote. To get started, all you need to do is give them rating details like what you do for a living, the make and model of your vehicles, if your license is active, and if you lease or own. Your insurance information is submitted instantly to all major companies and they return quotes instantly to find the best rate.

To find lower rates now, click here and find out if lower rates are available.

Cut your insurance rates with discounts

The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. Certain discounts will be applied when you complete an application, but some may not be applied and must be requested specifically before you get the savings. If you don’t get every credit you qualify for, you are throwing money away.

  • Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Ramcharger insurance than their less cautious counterparts.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Passive Restraint Discount – Vehicles with factory air bags may earn rate discounts up to 30%.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.

It’s important to understand that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will reduce your overall premium however.

To see a list of companies who offer insurance discounts, click here to view.

You are unique and your insurance should be too

When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can help discover if you may require specific advice.

  • Is my trailer covered?
  • How can I find cheaper teen driver insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need rental car coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I have a commercial auto policy?
  • Is my 1991 Dodge Ramcharger covered for flood damage?
  • Am I getting all the discounts available?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Car insurance coverages explained

Having a good grasp of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most car insurance policies.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverage – Liability insurance can cover injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as funeral expenses, structural damage, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for immediate expenses for things like doctor visits, prosthetic devices, chiropractic care, rehabilitation expenses and nursing services. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, vandalism, a broken windshield and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

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