Finding the cheapest insurance for a Dodge Ram 2500 Van can turn out to be an all-consuming task, but you can learn our car insurance buying tips and make it easy.
There are both good and bad ways to compare car insurance rates and we’ll show you the quickest way to price shop coverage for your Dodge and get the lowest price either online or from local insurance agents.
You should make it a habit to get comparison quotes yearly since insurance rates change frequently. Even if you got the best price for Ram van insurance a couple years back there is a good chance you can find better rates now. There is a lot of bad advice regarding car insurance online but by reading this article, you’re going to learn the best ways to reduce your car insurance bill.
Pay less by taking advantage of discounts
Insurance can be prohibitively expensive, but there are discounts available that you may not know about. Some trigger automatically at the time of purchase, but some may not be applied and must be asked for prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.
- Military Discounts – Having a deployed family member could mean lower rates.
- Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
- Senior Discount – Mature drivers may qualify for a discount up to 10% for Ram van insurance.
- Auto/Home Discount – If you insure your home and vehicles with one company you may save at least 10% off all policies.
- Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up on their website.
- Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
- New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
A little note about advertised discounts, some credits don’t apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will reduce your overall premium however.
To see a list of insurance companies with discount car insurance rates, follow this link.
Car insurance ads bend the truth
Consumers can’t ignore all the ads for cheaper car insurance by 21st Century, Allstate and State Farm. They all seem to make an identical promise of big savings if you switch to their company.
How can each company make the same claim?
Different companies have a preferred profile for the right customer they prefer to insure. A good example of a desirable insured could possibly be between 25 and 40, a clean driving record, and has excellent credit. A customer who meets those qualifications is entitled to the best price and most likely will pay quite a bit less when switching companies.
Potential customers who fall outside the “perfect” profile will be charged higher premiums and ends up with business not being written. Company advertisements say “customers that switch” not “people who quote” save money. This is how companies can truthfully make those claims.
That is why you absolutely need to compare many company’s rates. It is impossible to predict which company will give you the biggest savings.
More quotes mean more savings
When shopping online for car insurance, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage for the lowest price.
Lower-priced Dodge Ram 2500 Van insurance can be found online as well as from independent agents, so compare prices from both to have the best rate selection. Some insurance providers don’t offer online price quotes and these small insurance companies work with independent agents.
Consumers leave their current company for any number of reasons including policy cancellation, delays in responding to claim requests, policy non-renewal or even delays in paying claims. It doesn’t matter what your reason, finding a great new company can be easy and end up saving you some money.
