Tightwads Guide to Insuring a Dodge RamCharger
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Finding affordable insurance for your Dodge RamCharger is probably the same story.
Step One: Compare Multiple Rate Quotes
If you haven't priced insurance for awhile, you may still think that the only way to compare rates is to drive around town to multiple insurance offices and meet with an agent. Welcome to the 21st century!
The best car insurance companies offer online quoting for a Dodge RamCharger and it's very easy to compare different rates by only using one form.
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Dodge RamCharger.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your RamCharger.
Step Two: Top Ways to Get Lower RamCharger Insurance
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your RamCharger that will also lower the rate you pay irregardless of which company you choose.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
- The SUV class of vehicles generally has higher insurance rates due to the higher chance that you'll drive in adverse weather conditions.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- Most Dodge vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- Insurance companies pay attention to which vehicles are stolen the most, so if your car is frequently targeted by thieves, chances are good you will pay more for insurance if you live in certain parts of the country.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
Step Three: Finalize your Car Insurance Policy
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
An important thing to keep in mind when buying a new policy is you want the effective date of the new policy to be the exact same as the date you are cancelling your old policy.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Dodge off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. Most car insurance companies will extend coverage to newly purchased vehicles, but only up to the limits of the best insured vehicle. So if you only carry liability insurance and no physical damage coverage, your new purchase will be inadequately insured until you specifically add it to the policy with full coverage.
Once your new policy has been purchased, you are required to keep the proof-of-insurance card in your vehicle at all times. This is required by state law and you can receive a citation if you cannot provide it. If you qualilfy as a high-risk driver after being convicted of a DUI, reckless driving or driving on a suspended license, you may be required to file an SR-22 with your state's DMV. Be sure your new car insurance company is aware of this filing requirement.
Additional Learning Resources
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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