Cheapest 1991 Dodge Ram Charger Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 27, 2023

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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.

Frequently Asked Questions

What factors affect the cost of insurance for a 1991 Dodge Ram Charger?

Several factors can influence the cost of insurance for a 1991 Dodge Ram Charger, including:

  • Age and driving experience: Younger or inexperienced drivers may face higher insurance rates.
  • Location: Insurance costs can vary based on where you live, considering factors like crime rates and population density.
  • Vehicle usage: If you use your 1991 Dodge Ram Charger for business purposes or have a long daily commute, it may affect your insurance rates.
  • Driving history: A clean driving record usually leads to lower insurance premiums.
  • Insurance coverage: The type and amount of coverage you choose will impact the cost of your insurance policy.
  • Deductible: Opting for a higher deductible can lower your premium but would require paying more out of pocket in the event of a claim.

Are older vehicles like the 1991 Dodge Ram Charger more expensive to insure?

Generally, older vehicles like the 1991 Dodge Ram Charger tend to have lower insurance costs compared to newer models. This is because older vehicles usually have a lower market value, which translates to lower premiums for comprehensive and collision coverage. However, factors such as the vehicle’s safety features, repair costs, and the availability of replacement parts can still affect insurance rates.

How can I find the cheapest insurance for my 1991 Dodge Ram Charger?

To find the cheapest insurance for your 1991 Dodge Ram Charger, consider the following steps:

  • Shop around: Obtain quotes from multiple insurance companies to compare prices and coverage options.
  • Maintain a good driving record: A clean driving history can help you qualify for better rates.
  • Increase your deductible: Opting for a higher deductible can lower your premium, but make sure you can afford the out-of-pocket costs if you need to make a claim.
  • Inquire about discounts: Ask your insurance provider about available discounts, such as multi-policy discounts or safe driver incentives.
  • Consider usage-based insurance: Some insurance companies offer programs where your premium is based on your driving habits, potentially reducing costs if you have safe driving behavior.

Can I get classic car insurance for my 1991 Dodge Ram Charger?

Classic car insurance is typically available for vehicles that are at least 20 to 25 years old and meet certain criteria, such as being well-maintained, limited in use, and retaining their original design. While the 1991 Dodge Ram Charger may not qualify as a classic car in the traditional sense, you can still explore specialty insurance options designed for older vehicles, as they may offer competitive rates and tailored coverage for your specific needs.

Are there any specific safety features or modifications that can lower insurance costs for a 1991 Dodge Ram Charger?

Equipping your 1991 Dodge Ram Charger with certain safety features or modifications may help reduce insurance costs. Some features to consider include:

  • Anti-theft devices: Installing an alarm system or a GPS tracking device can deter theft and potentially lead to lower premiums.
  • Safety upgrades: Adding features like anti-lock brakes or airbags can enhance the safety of your vehicle, which insurance companies may reward with lower rates.
  • Defensive driving course: Completing a defensive driving course can demonstrate your commitment to safe driving and may make you eligible for a discount on your insurance.

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