1991 Dodge RAM 150 Insurance Cost – 8 Discounts for Best Prices

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 2, 2022

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Finding lower premiums on auto insurance is difficult for beginners to buying insurance online. You have so many options that it can turn into a real hassle to compare prices.

Consumers need to price shop coverage occasionally since rates change frequently. Just because you found the lowest price for RAM 150 insurance a year ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding auto insurance on the internet, so with this article, you’re going to get the easiest ways to reduce your auto insurance bill.

If you are paying for car insurance now, you will be able to save some money using these methods. Pricing the cheapest protection is simple if you know the tricks. But vehicle owners must learn the way insurance companies sell insurance online.

Comparison of Auto Insurance

The are a couple different ways to get quotes from auto insurance companies in your area. The fastest way to find competitive 1991 Dodge RAM 150 insurance rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

The fastest way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do multiple quote forms for each company you want a rate for. A single form will get you price quotes from multiple low-cost companies. It’s the fastest way to compare.

A more difficult way to find lower rates requires you to visit the website for each individual company and fill out their own quote form. For instance, let’s say you want to compare rates from Progressive, Esurance and American Family. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

Whichever method you choose, make absolute certain that you use identical quote information for each comparison quote. If you compare different limits and deductibles on each one it’s impossible to determine which rate is truly the best. Having just a slight variation in coverages could mean much higher rates. Just remember that getting more free quotes will enable you to find a lower rate.

Slick advertising tricks that work

Allstate, GEICO and Progressive consistently run ads in print and on television. All the companies have a common claim that you can save if you change to them. How can each company make the same claim? It’s all in the numbers.

All companies have a preferred profile for the right customer that earns them a profit. For example, a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. A driver who matches those parameters receives the best rates and most likely will cut their rates substantially.

Potential customers who don’t meet the requirements will be quoted a more expensive rate and this can result in business going elsewhere. The ads say “drivers who switch” but not “drivers who get quotes” save that kind of money. This is how companies can make the claims of big savings.

This emphasizes why you need to get as many comparisons as possible. It’s not possible to predict the company that will provide you with the cheapest Dodge RAM 150 insurance rates.

Get lower rates on Dodge RAM 150 insurance

Car insurance can cost a lot, but there could be available discounts that you may not know about. Certain discounts will be triggered automatically at quote time, but less common discounts must be asked about before being credited.

  • Distant Student – Children who live away from home without a vehicle on campus may be able to be covered for less.
  • Driver Safety – Successfully completing a defensive driving course can save you 5% or more depending on where you live.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Passive Restraint Discount – Cars that have air bags can get savings up to 30%.
  • Clubs and Organizations – Participating in certain professional organizations could qualify you for a break when shopping for auto insurance for RAM 150 insurance.

Keep in mind that most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, it doesn’t quite work that way. Any qualifying discounts will reduce your premiums.

Car insurance companies that may have these benefits are:

Check with each company which discounts you may be entitled to. Savings may not be available in every state.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

These are some specific questions can aid in determining if you may require specific advice.

  • Is upholstery damage covered by car insurance?
  • Is my teen driver covered when they drive my company car?
  • Do I have newly-aquired coverage?
  • How do I buy GAP insurance?
  • Will my rates increase for filing one claim?
  • Am I insured when driving a different vehicle?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverage considerations

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, hitting a bird, falling objects, hitting a deer and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision coverage covers damage to your RAM 150 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, crashing into a building, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge RAM 150.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for expenses for things like prosthetic devices, dental work, hospital visits and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Auto liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as bail bonds, court costs, structural damage, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

The bottom line

When trying to cut insurance costs, you should never skimp on coverage in order to save money. There have been many situations where an insured dropped physical damage coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Low-cost 1991 Dodge RAM 150 insurance is available both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

We covered some good ideas how you can lower your insurance rates. It’s most important to understand that the more you quote, the better your comparison will be. Consumers may even find the most savings is with an unexpected company.

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