Save on 1993 Dodge Ram Van Insurance Cost

Trying to find cheaper insurance coverage rates for your Dodge Ram Van? No sane person gets a kick out of paying for insurance coverage, in particular when they could find better prices if they shop around. People have so many insurers to insure vehicles with, and though it is a good thing to have a choice, so many choices can make it hard to find the lowest rates.

You should take the time to check insurance coverage prices periodically since prices go up and down regularly. Just because you had the best deal on Ram van coverage six months ago you may be paying too much now. Block out anything you think you know about insurance coverage because we’re going to demonstrate the best methods to find the best coverage while lowering your premiums.

How to buy insurance coverage

Effectively comparing insurance coverage prices can take hours if you don’t know the easiest way. You could spend your day talking about coverages with insurance agencies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many insurance companies take part in a program that enables customers to only type in their quote data once, and each company returns a rated price for coverage. This system prevents you from having to do quotation requests to each company. To submit your quote information now, click here to open in new window.

One minor caviat to pricing coverage this way is you can’t choose which insurance companies to get pricing from. So if you want to select specific insurance companies to compare rates, we have a page of insurance coverage companies in your area. View list of insurance companies.

Whichever method you choose, be sure to compare the same coverage information with every price quote. If your comparisons have different deductibles it’s not possible to determine which rate is truly the best.

Will just any policy work for me?

When buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you would benefit from professional advice.

• If I drive on a suspended license am I covered?
• Do I need medical payments coverage since I have good health insurance?
• Should I have combined single limit or split liability limits?
• Can I drive in Mexico and have coverage?
• Does my liability insurance cover pulling a trailer or camper?
• Can I afford to buy a different vehicle if my 1993 Dodge Ram Van is totaled?
• Why is insurance for a teen driver so high?
• Should I get collision insurance on every vehicle?
• What is roadside assistance coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as dental work, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability

This coverage provides protection from damage that occurs to other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for claims like medical services, repair costs for stationary objects, structural damage, medical expenses and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Dodge Ram Van.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision coverage

This pays for damage to your Ram Van resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, a broken windshield, hitting a deer and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.