Buyers have a choice when searching for the best price on Dodge Ram 2500 Wagon Van insurance. They can either waste time struggling with agents getting price quotes or use the internet to compare rates. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the best way to price shop coverage on a Dodge and find the best price possible.
You probably qualify for some discounts
Car insurance companies do not list every available discount in an easy-to-find place, so we took the time to find both the well known and also the lesser-known auto insurance savings.
- Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
- Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
- Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
- Safety Course Discount – Successfully completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
- No Charge for an Accident – Some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
- Multiple Policy Discount – If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
- Claim Free – Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way.
To see a list of insurers offering auto insurance discounts, click here to view.
Free Quotes for Auto Insurance
All major auto insurance companies like State Farm, GEICO and Progressive allow you to get coverage price quotes directly from their websites. This process is quite simple as you simply type in your required coverages as requested by the quote form. Upon sending the form, the company’s rating system obtains credit information and your driving record and provides a quote.
Being able to quote online makes comparing rates easy, but the time required to go to a lot of sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to do this in order to get the lowest auto insurance rates.
The smarter way to find cheaper rates utilizes a single form to return rates from several different companies. It saves time, requires less work, and makes comparison shopping much more enjoyable and efficient. Immediately after submitting the form, it is quoted with multiple companies and you can pick your choice of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process takes just a few minutes to complete and you will know how your current rates stack up.
In order to compare rates using this form now, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended you copy the coverage information as shown on your current policy. Doing this guarantees you are getting a price comparison based on similar coverages.
There’s no such thing as the perfect policy
When it comes to choosing the best auto insurance coverage, there is no one size fits all plan. Each situation is unique.
For instance, these questions might help in determining whether you might need professional guidance.
- Am I covered when delivering products for my home-based business?
- At what point should I drop full coverage?
- If my Dodge Ram 2500 Wagon Van is totaled, can I afford another vehicle?
- How much underlying liability do I need for an umbrella policy?
- Is there coverage for injuries to my pets?
- Should I have combined single limit or split liability limits?
- Do I have coverage when using my vehicle for my home business?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.
More quotes mean more savings
The cheapest Dodge Ram 2500 Wagon Van insurance is available both online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and many times these smaller companies only sell through independent insurance agents.
When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.
Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, high prices, denial of a claim and even not issuing a premium refund. No matter why you want to switch, switching companies can be less work than you think.
