1999 Dodge Ram Van Insurance Cost – 8 Savings Tips

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 23, 2017

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Shopping for cheap auto insurance on the web can be intimidating for consumers new to comparison shopping online. With a ridiculous number of online companies, how can drivers even start to compare every company to locate the best pricing?

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these tips. Shopping for affordable insurance coverage is quite easy. But consumers should learn the methods companies use to compete online and take advantage of how the system works.

Don’t overlook these eight discounts

The cost of insuring your cars can be expensive, but companies offer discounts that you may not even be aware of. Most are applied at the time of purchase, but less common discounts must be manually applied before being credited.

  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Defensive Driving Course – Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
  • Discount for Swiching Early – Select companies give a discount for switching policies before your current policy expires. The savings is around 10%.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.
  • Low Mileage Discounts – Keeping the miles down on your Dodge can earn discounted rates on garaged vehicles.
  • Homeowners Savings – Owning a house may trigger a auto insurance policy discount because owning a home shows financial diligence.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
  • Drivers Ed for Students – Have your child enroll in driver’s education in school.

Keep in mind that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will help reduce the cost of coverage.

A partial list of companies that possibly offer some of the above discounts are:

Double check with each company which discounts they offer. Savings may not be available everywhere.

Is my situation unique?

When buying the best auto insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining whether or not you will benefit from professional help.

  • Should I waive the damage coverage when renting a car?
  • Is my dog or cat covered if injured in an accident?
  • Is my camper covered by my car insurance policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered if hit by an uninsured driver?
  • Is business equipment covered while in my vehicle?
  • Is pleasure use cheaper than using my 1999 Dodge Ram Van to commute?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Why am I required to buy high-risk coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Switch companies and save? Really?

Insurance providers like State Farm, Allstate and GEICO consistently run ads on TV and radio. They all make the same claim that you can save if you change to their company. How do they all say the same thing?

All the different companies are able to cherry pick for the type of customer they prefer to insure. An example of a profitable customer could possibly be between 30 and 50, is a homeowner, and chooses high deductibles. A customer who fits that profile will get the preferred rates and is almost guaranteed to save when they switch companies.

Potential insureds who don’t meet the requirements will be charged a higher premium and ends up with the customer not buying. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much. That’s why companies can make those claims.

That is why it is so important to compare many company’s rates. Because you never know which insurance companies will provide you with the cheapest Dodge Ram Van insurance rates.

Insurance coverages explained

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Van.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, backing into a parked car, hitting a mailbox, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability car insurance

This coverage provides protection from damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like emergency aid, pain and suffering, structural damage and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for hospital visits, nursing services, funeral costs, chiropractic care and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

A tidy conclusion

Discount 1999 Dodge Ram Van insurance can be bought both online as well as from independent agents, so compare prices from both to have the best rate selection. Some insurance coverage companies don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you a lot of techniques to get a better price on insurance. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest priced insurance coverage comes from the least-expected company.

Insureds change insurance companies for a number of reasons such as poor customer service, unfair underwriting practices, lack of trust in their agent or extreme rates for teen drivers. No matter why you want to switch, choosing a new insurance company can be easy and end up saving you some money.

For more information, link through to the following helpful articles:

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