Three Step Guide to Cheaper Dodge Ram 1500 Van Insurance
If shopping your car insurance around was fun, we'd do it much more often. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. Finding affordable coverage for your Dodge Ram 1500 Van probably is no different.
Step One: Insurance Rate Comparison Quotes
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. Life has gotten easier!
Comparing insurance rates for a Dodge Ram 1500 Van only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
To start, click the link below to begin entering your information. After you complete the form, you will receive comparison rates from different companies so you easily determine if you can save money.
Apples-to-Apples! When doing comparison quotes for your Ram 1500 Van, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: Tried and True Ways to Save on Ram 1500 Van Insurance
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.
- Particular years and models of cars tend to be frequently stolen, and if your Ram 1500 Van is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- Driver's safety courses will often get you a discount off your rates. Check to see if your company offers the discount and find a qualifying class in your area.
- 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.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- 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.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
Step Three: Buy the Policy That's Right for You
Knowing which company to insure your Ram 1500 Van with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
If you're cancelling an old policy, make sure the new coverage starts the same day your old policy ends. This avoids any penalty for having a lapse in coverage which can cost you more.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. Comprehensive (or Other than Collision) and collision coverage will extend to your new Ram 1500 Van if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
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