Paying for high-priced Dodge Ram 3500 Wagon Van insurance can overdraw your personal savings and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet.
Insurance companies such as GEICO, Progressive and Allstate constantly blast consumers with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.
If you are paying for car insurance now, you will be able to cut costs considerably using these methods. Finding the best rates is easy if you know what you’re doing. Nevertheless, car owners must learn how the larger insurance companies market on the web and take advantage of how the system works.
Policy discounts you shouldn’t miss
Companies offering auto insurance don’t necessarily list all available discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known ways to save on auto insurance.
- Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Ram Wagon van insurance than drivers with accidents.
- Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
- Own a Home – Owning a home may trigger a auto insurance policy discount because owning a home shows financial diligence.
- E-sign – A few companies may give you up to $50 for buying your policy on their website.
- 55 and Retired – Older drivers can possibly qualify for a small decrease in premiums on Ram Wagon van insurance.
- Memberships – Participating in certain professional organizations may earn a discount when shopping for auto insurance on Ram Wagon van insurance.
- Distant Student – Kids in college who are attending college and do not have access to a covered vehicle may qualify for this discount.
- Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy could earn a price break for each car.
- Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
Keep in mind that most discounts do not apply the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. Just because you may think all those discounts means the company will pay you, you’re out of luck.
To choose insurers who offer auto insurance discounts, click this link.
Finding Auto Insurance Deals
The are a couple different ways of comparing price quotes and find the best price. By far the easiest way to find the lowest Dodge Ram 3500 Wagon Van rates consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.
The fastest way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating multiple quote forms to each individual auto insurance company. Just one form gets you coverage quotes from several companies.
A harder way to compare rate quotes requires visiting the website for each individual company to complete their respective quote request forms. For example, let’s assume you want to compare Auto-Owners, Progressive and Allstate. To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.
The least efficient way to get comparison rates is to spend time driving to different agent offices. Buying insurance online makes this process obsolete unless you have a need for the trained guidance only provided by licensed agents. Drivers can compare the best prices online but buy from a local insurance agent and we’ll touch on that later.
It’s up to you how you get prices quotes, just compare exactly the same coverage limits and deductibles for each price quote. If your comparisons have different values for each quote it’s not possible to truly determine the lowest rate. Having just a slight variation in insurance coverages may cause a big price difference. Just remember that getting more free quotes provides better odds of finding better pricing.
Don’t assume everyone needs the same coverage
When buying coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that could help you determine whether or not you would benefit from professional advice.
- Am I covered when delivering products for my home-based business?
- Am I covered when using my vehicle for business?
- Which companies will insure high-risk drivers?
- Can I still get insurance after a DUI?
- Are split liability limits better than a combined single limit?
- Are rental cars covered under my policy?
- Are my tools covered if they get stolen from my vehicle?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Do I pay less if my vehicle is kept in my garage?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Coverages available on your auto insurance policy
Learning about specific coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.
Liability auto insurance
Liability insurance will cover injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability insurance covers claims such as repair costs for stationary objects, bail bonds, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.
Comprehensive auto coverage
This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as a broken windshield, rock chips in glass, hitting a deer, falling objects and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision protection
This will pay to fix damage to your Ram 3500 Wagon Van caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like crashing into a ditch, rolling your car, sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Dodge Ram 3500 Wagon Van.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for bills like funeral costs, EMT expenses, prosthetic devices, dental work and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Quote often and quote early
When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where someone dropped uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.
You just read many tips how you can reduce Dodge Ram 3500 Wagon Van insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the best prices are with a smaller regional carrier. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.
