Cheapest 1998 Dodge Ram Van Insurance Rates in 2023
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UPDATED: Aug 24, 2022
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Want the cheapest auto insurance rates for your Dodge Ram Van? Tired of paying out the nose to buy car insurance? Your situation is no different than many other drivers. There are many auto insurance companies to buy insurance from, and although it’s a good thing to be able to choose, so many choices can make it hard to find the lowest cost provider.
Consumers should take time to check auto insurance prices occasionally since rates are adjusted regularly by insurance companies. Just because you found the lowest rates for Ram van coverage a year ago you can probably find a better price now. There is a lot of bad information regarding auto insurance online, so with this article, you’re going to get the easiest ways to find affordable auto insurance.
The quickest method to compare insurance rates in your area takes advantage of the fact most insurance companies will pay a fee to give you rate quotes. The only thing you need to do is provide details including the type of vehicles you drive, how much coverage you want, if you require a SR-22, and your credit rating estimate. Your rating data is instantly provided to all major companies and you will get price comparisons very quickly.
To check rates for your , click here and enter the information requested.
Save 15 percent in 15 minutes? Is it for real?
Consumers can’t ignore all the ads for cheaper car insurance by State Farm and Allstate. They all seem to say the same thing that you’ll save big if you move to their company.
But how can every company claim to save you money? It’s all in the numbers.
All the different companies have a preferred profile for the driver that earns them a profit. A good example of a driver they prefer might be over the age of 50, is a homeowner, and drives newer vehicles. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.
Consumers who do not match the “perfect” profile must pay more money which leads to the customer not buying. The ad wording is “customers who switch” not “people who quote” save that much. That is how companies can make those claims.
This illustrates why you absolutely need to compare as many rates as you can. It’s just too difficult to predict which insurance companies will have the lowest Dodge Ram Van insurance rates.
Don’t overlook these discounts
Insuring your fleet can be pricey, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be asked about in order for you to get them. If you don’t get every credit available, you are throwing money away.
- Senior Citizens – If you qualify as a senior citizen, you may be able to get better car insurance rates for Ram van coverage.
- Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
- Claim Free – Drivers with accident-free driving histories pay much less as compared to frequent claim filers.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Ram van coverage than their less cautious counterparts.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
- Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
It’s important to understand that most credits do not apply the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way. But all discounts will help reduce the cost of coverage.
Companies who might offer some of the above discounts are:
Check with every prospective company how you can save money. Discounts might not be offered in every state.
Is my situation unique?
When it comes to choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that For example, these questions could help you determine if you will benefit from professional help.
- Who is covered when they drive my 1998 Dodge Ram Van?
- Can my teen driver be rated on a liability-only vehicle?
- If I drive on a suspended license am I covered?
- Do I have coverage when pulling a U-Haul trailer?
- Am I covered if I crash into my own garage door?
- Is my teen driver covered when they drive my company car?
- Should I rate my 1998 Dodge Ram Van as pleasure use or commute?
- Should I drop comprehensive coverage on older vehicles?
- What if I total my 1998 Dodge Ram Van and owe more than it’s worth?
If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
Parts of your car insurance policy
Understanding the coverages of car insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages available from car insurance companies.
Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as colliding with another moving vehicle, driving through your garage door, backing into a parked car, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 1998 Dodge Ram Van.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.
Auto liability insurance – Liability coverage can cover damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.
Liability can pay for things like funeral expenses, emergency aid, medical expenses and court costs. How much liability should you purchase? That is your choice, but buy higher limits if possible.
Comprehensive protection – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers things like damage from getting keyed, a tree branch falling on your vehicle and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like dental work, surgery, X-ray expenses, pain medications and EMT expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
More comparisons equals lower rates
The cheapest 1998 Dodge Ram Van insurance can be sourced both online and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage for the lowest price.
We just covered a lot of techniques to compare insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the best price on insurance is with a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.
For more information, link through to the resources below:
- Side Impact Crash Tests (iihs.org)
- What Auto Insurance is Cheapest for a Dodge Ram in Fresno? (InsureFresno.com)
- Information for Teen Drivers (GEICO)
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- Vehicle Size and Weight FAQ (iihs.org)
- How to Avoid Staged Accidents (State Farm)
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