Shoppers have options when shopping for the lowest priced Dodge Ram 1500 Van insurance. They can either waste time calling around to compare prices or leverage the internet to get rate quotes.
There are both good and bad ways to compare car insurance rates and we’ll show you the proper way to compare rates for a Dodge and get the best price possible either online or from local insurance agents.
Free Quotes for Car Insurance
There are a variety of methods to shop for car insurance, and some are easier and takes less work. You can waste a lot of time talking about coverages with agents in your area, or you can utilize the web to get pricing more quickly.
Most of the larger companies belong to an insurance system where insurance shoppers submit one quote, and at least one company provides a quote determined by their information. This prevents consumers from doing repetitive form submissions for each company you want a rate for.
To compare rates now click here to start a free quote.
The one downside to using this type of system is you can’t choose the providers to get quotes from. So if you want to select specific insurance companies to compare prices, we have a listing of low cost car insurance companies in your area. Click to view list.
It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits for each comparison quote. If the quotes have different deductibles then you won’t be able to decipher which rate is best.
The car insurance bait and switch
Consumers can’t get away from ads for car insurance savings by Progressive, Allstate and GEICO. All the companies make the same claim that you can save if you switch to their company.
How can each company make the same claim?
Different companies have a certain “appetite” for the right customer that earns them a profit. A good example of a preferred risk could possibly be over the age of 40, has no prior claims, and has excellent credit. Any driver who fits that profile receives the best rates and most likely will save quite a bit of money when switching.
Drivers who don’t measure up to these standards will be charged a higher premium which usually ends up with business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that much. That’s the way insurance companies can make those claims.
That is why you need to compare as many rates as you can. You cannot predict which insurance companies will have the lowest rates.
Your Dodge Ram 1500 Van insurance rate is a complex equation
Smart consumers have a good feel for some of the elements that come into play when calculating your car insurance rates. Knowing what influences your rates enables informed choices that can help you get much lower annual insurance costs.
The list below includes a few of the “ingredients” car insurance companies consider when setting your rates.
- Being married can save on car insurance – Being married can actually save you money on your policy. It is viewed as being more mature and it’s proven that married drivers get in fewer accidents.
- Lower rates come with age – More mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel. Teen drivers have a tendency to be more careless when driving therefore car insurance rates are much higher.
- Are you male or female? – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both tend to get into accidents at a similar rate, but men cause more damage. Men also have more aggressive citations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
- Type of vehicle determines base rates – The performance level of the vehicle you are buying insurance for makes a substantial difference in determining your rates. Due to the fact that the Dodge Ram 1500 Van is classified as a van and minivan, insurance will be similar in price than the average rate where you live. Economy passenger models usually have the lowest rates, but the cost you end up paying is determined by many additional factors.
- Don’t skimp on liability – Your policy’s liability coverage will protect you in the event that you are found to be at fault for personal injury or accident damage. It will provide legal defense coverage starting from day one. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
- Higher deductibles cost less – Deductibles for physical damage define the amount you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and rolling your vehicle. The more the insured has to pay upfront, the less your car insurance will be for Ram van insurance.
- More people means more accidents – Choosing to live in less populated areas can save you money when talking about car insurance. Less people living in that area means reduced accidents. Drivers in populated areas have traffic congestion and longer commute times. More time commuting can result in more accidents.
Cut your premium with discounts
Insuring your fleet can be pricey, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply at quote time, but some must be requested specifically before being credited. If you don’t get every credit you deserve, you are paying more than you should be.
- Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiring. It’s a savings of about 10%.
- More Vehicles More Savings – Having multiple cars or trucks with the same company can get a discount on all vehicles.
- Clubs and Organizations – Affiliation with a professional or civic organization is a good way to get lower rates when buying car insurance for Ram van insurance.
- Military Rewards – Being on active duty in the military could mean lower rates.
- Drivers Ed for Students – Have your child take driver’s ed class in high school.
- Auto/Home Discount – If you have multiple policies with the same company you could get a discount of at least 10% off all policies.
- Sign Online – Some insurance companies give back up to $50 just for signing your application online.
- Accident Forgiveness – Certain companies permit an accident before raising your premiums as long as you don’t have any claims for a certain period of time.
Drivers should understand that many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will help reduce the cost of coverage.
To see a list of insurance companies who offer car insurance discounts, click here to view.
What is the best insurance coverage?
When choosing the best car insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might point out whether you will benefit from professional help.
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Who is covered when they drive my Dodge Ram 1500 Van?
- How many claims can I have before being cancelled?
- Do I need added coverage for expensive stereo equipment?
- Am I covered when driving on a suspended license?
- Why am I required to buy high-risk coverage?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.
What is YOUR best insurance company?
When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There have been many cases where someone dropped uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The aim is to get the best coverage possible for the lowest price while not skimping on critical coverages.
You just read a lot of ways to compare Dodge Ram 1500 Van insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. Consumers may even find the best prices are with the smaller companies.
Lower-priced Dodge Ram 1500 Van insurance is available from both online companies and also from your neighborhood agents, so you should compare both to have the best selection. Some companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.
