Three Easy Steps to Lower Dodge RamCharger Insurance Rates
If comparing car insurance was easy, most of us would do it more often. But more than likely, it's challenging for most people and we always end up paying more than we want. Insuring your Dodge RamCharger is probably no exception.
Step One: Compare Multiple Rates
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. Welcome to the NEW way to buy car insurance!
Getting online rate quotes for a Dodge RamCharger from all the major insurance companies is very easy and only requires you to enter your information once.
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your RamCharger.
Step Two: How to Cut Costs on RamCharger Insurance
After completing step one above, you can now learn some of the other ways to slash your RamCharger insurance costs.
- Members of many professional organizations can receive discounts on car insurance, and if you're a senior citizen, that could earn you an additional discount.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- Since SUV's like the RamCharger generally have a larger power train, they cost a little more to insure.
- Ask your insurance company if there is a discount for completing a driver's safety course. It may get you up to a 10% discount at your next renewal.
- Newer car models are coming standard with advanced passenger safety systems, and these help reduce the risk of injury in an accident. Less injuries mean lower insurance rates.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your RamCharger falls into either category, it could cost you.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
Step Three: Choose a Company and Bind Coverage
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
If the Dodge RamCharger is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. Comprehensive (or Other than Collision) and collision coverage will extend to your new RamCharger if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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