Slash your Dodge Ram 1500 Van Insurance Rates in Three Steps
If shopping your car insurance around was fun, we'd do it much more often. But we always seem to pay too much for coverage and most people would rather go to the dentist. Finding good insurance for your Dodge Ram 1500 Van probably leaves you feeling the same way.
Step One: Insurance Rate Comparison Quotes
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Not anymore!
The first step to finding lower Dodge Ram 1500 Van rates is to get quotes from all the major car insurance companies. This is fast and easy and only requires you to complete one form.
To find affordable coverage for your Dodge Ram 1500 Van, the first step is to click the link below and complete the short form.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Ram 1500 Van is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: Techniques to Lower your Ram 1500 Van Insurance Rates
There are many contributing factors that determine what you pay to insure your Dodge. You can help yourself (and your wallet) by paying attention to the following rate factors.
- How is your credit rating? The better credit you have, the less insurance will cost for your Ram 1500 Van. If you have bad credit, work on improving your credit score and repair past credit problems.
- Having recently completed a class in driver's safety could earn you a discount of 5% to 10%. Check with your insurance company to see if they offer that credit.
- If switching companies, always have the effective date of the new policy be identical to the expiration date on the old policy. This prevents a lapse in coverage and companies charge higher rates if you have any lapses.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- 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.
- Consider raising your comprehensive and collision deductibles if you carry full coverage. By accepting more risk yourself, your car insurance company will cut you a break on your physical damage premiums.
- If you're a young driver, you will pay more to insure a Ram 1500 Van. There isn't anything you can do about your age, but rates will drop as you mature.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- The advancement of car safety features such as traction control, stability control, front and side-impact air bags and all-wheel drive all help keep insurance costs down.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
Step Three: Buy the Best Policy
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Dodge added prior to the expiration of this grace period. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Ram 1500 Van won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
Upon completion of buying your policy, you need to print out the financial responsibility card that must be kept in your vehicle at all times. Replace any old cards and promptly replace expired cards. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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