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1993 Dodge Ram 50 Pickup 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: Apr 14, 2020

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Searching for the cheapest insurance coverage rates? Consumers have lots of choices when looking for the lowest priced Dodge Ram 50 Pickup insurance. You can either spend your time struggling with agents getting price quotes or save time using the internet to get rate quotes. There are both good and bad ways to buy insurance coverage so you’re going to learn the best way to price shop coverage for a Dodge and locate the lowest possible price either online or from local insurance agents.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. Drivers just need to know the most efficient way to compare price quotes online.

How to Compare Auto Insurance Costs

Finding lower auto insurance rates isn’t really that difficult. All you need to do is take the time to get quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

The first (and easiest) way to get quotes would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for boring form submissions for each company. One form submission will return quotes from many national carriers.It’s the quickest way to get rates.

A slightly less efficient method to shop for auto insurance online consists of going to the website of each company to request a price quote. For example, let’s assume you want comparison quotes from Auto-Owners, Farmers and GMAC. To get each rate you have to visit each site and enter your information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just compare the exact same coverage limits with each company. If you use higher or lower deductibles it’s impossible to determine which rate is truly the best.

Drivers who switch save $403 a year? Really?

Consumers can’t get away from ads for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. All the ads have a common claim about savings after switching to them.

How do they all claim to save you money?

All the different companies can use profiling for the type of customer that makes them money. A good example of a driver they prefer could possibly be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. Any new insured who meets those qualifications gets the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t meet these standards will be quoted more money which usually ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently claim big savings. This emphasizes why drivers should compare as many rates as you can. You cannot predict which insurance companies will provide you with the cheapest Dodge Ram 50 Pickup insurance rates.

Get lower rates on 1993 Dodge Ram 50 Pickup insurance

Companies that sell car insurance don’t list every discount in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Safety Course Discount – Taking part in a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Auto/Life Discount – Some companies give a break if you buy life insurance from them.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Student in College – Children who live away from home without a vehicle on campus can receive lower rates.
  • Clubs and Organizations – Affiliation with a professional or civic organization may earn a discount when buying insurance on Ram 50 pickup insurance.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Ram 50 pickup insurance with a few insurance companies.
  • Homeowners Pay Less – Simply owning a home can help you save on insurance because maintaining a house is proof that your finances are in order.

Consumers should know that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, insurance companies aren’t that generous.

Companies that may have some of the above discounts are:

Check with each insurance company what discounts are available to you. Discounts might not be offered in every state.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique.

These are some specific questions can help discover if your insurance needs may require specific advice.

  • What are the best liability limits?
  • What are the financial responsibility laws in my state?
  • What can I do if my company denied a claim?
  • Does car insurance cover theft of personal property?
  • Do I need special endorsements for business use of my vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I afford to buy a different vehicle if my 1993 Dodge Ram 50 Pickup is totaled?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Car insurance coverages and their meanings

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Coverage for liability

This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage protects against things such as pain and suffering, loss of income and court costs. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, scraping a guard rail, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like hospital visits, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive car insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a deer, damage from a tornado or hurricane, hail damage and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Ram 50 Pickup.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

The bottom line

Throughout this article, we presented a lot of information how to get a better price on 1993 Dodge Ram 50 Pickup insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance comes from some of the lesser-known companies.

Discount insurance is attainable on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped collision coverage and learned later they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

To learn more, take a look at the articles below:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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