Cheapest 1993 Dodge Ram 250 Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Saving money on car insurance is hard for consumers not familiar with comparing rates online. There are so many options available that it can quickly become a real hassle to find the best price.
Consumers should take time to do rate comparisons periodically due to the fact that insurance rates are variable and change quite frequently. Just because you had the best price for RAM 250 coverage six months ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about car insurance on the internet, so by reading this article, you’re going to learn the best ways to slash your car insurance rates.
If you have car insurance now, you will be able to reduce your rates substantially using these tips. This information will introduce you to how to get online quotes and some tips to save money. But drivers can benefit from knowing the methods companies use to determine prices and use this information to your advantage.
The method we recommend to get policy rate comparisons is to take advantage of the fact most of the bigger providers participate in online systems to give you rate quotes. All you need to do is give them rating details including if it has an alarm system, marital status, level of coverage desired, and whether you have decent credit. That rating information is instantly sent to many different companies and you get price estimates with very little delay.
To compare rates for a 1993 Dodge RAM 250 now, click here then complete the form.
Why you might be paying too much to insure your Dodge RAM 250
Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with big savings.
The list below includes a partial list of the pieces auto insurance companies consider when setting rates.
- Liability coverage is cheap – Liability insurance provides coverage when you are found to be at fault for damages from an accident. It provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
- Don’t buy coverages you don’t need – There are quite a few extra bells and whistles you can purchase on your RAM 250 policy. Coverages for roadside assistance, better glass coverage and term life insurance may be costing you every month. These coverages may sound good at first, but if they’re wasting money eliminate them to save money.
- How many coverages with the same company – Some insurers will award you with lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to compare other company rates to verify if the discount is saving money. Drivers may still find better rates by insuring with multiple companies.
- Optional equipment can affect rates – Choosing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
- Do you know your deductibles? – Your deductibles define the amount you are required to spend before your auto insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more expense you’re willing to pay, the less your company will charge you for insurance for RAM 250 coverage.
- Tickets mean higher rates – Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Just one ticket may increase your cost by as much as thirty percent. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
Are you getting all your discounts?
Companies don’t always publicize all available discounts in an easy-to-find place, so we researched some of the more common and the more hidden savings tricks you should be using.
- Lower Rates for Military – Being deployed with a military unit could mean lower rates.
- Discount for Life Insurance – Some companies give a discount if you purchase life insurance.
- Drivers Ed for Students – Require your teen driver to complete a driver education course in high school.
- No Accidents – Claim-free drivers pay much less when compared to drivers who are more careless.
- Discount for Swiching Early – Some companies give discounts for signing up before your current expiration date. The savings is around 10%.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
- Driver Safety – Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
Keep in mind that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck.
Car insurance companies who might offer these money-saving discounts may include but are not limited to:
Check with every prospective company what discounts are available to you. All car insurance discounts might not apply everywhere.
When might I need an agent?
When choosing the best auto insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.
For instance, these questions might point out whether you will benefit from professional help.
- When should my teen driver be added to my policy?
- Am I covered if my car is in a flood?
- Does liability extend to a camper or trailer?
- Should I carry comprehensive and collision coverage?
- Am I covered when using my vehicle for business?
- Do I need more liability coverage?
- Why am I required to buy liability insurance?
- How many claims can I have before being canceled?
- Do I need added coverage for expensive stereo equipment?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.
Car insurance coverage breakdown
Knowing the specifics of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as rock chips in glass, damage from flooding, hitting a deer and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like rehabilitation expenses, prosthetic devices, EMT expenses and surgery. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability can pay for claims such as pain and suffering, medical expenses, loss of income and emergency aid. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge RAM 250.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Collision coverage protection
Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as colliding with a tree, rolling your car, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.
Stretch your dollar
Insureds leave their current company for a variety of reasons including policy non-renewal, not issuing a premium refund, lack of trust in their agent or even high rates after DUI convictions. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.
We just covered a lot of techniques to compare 1993 Dodge RAM 250 insurance prices online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with a small local company.
As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where an insured dropped collision coverage to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.
More information is available at the links below
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- Safe Vehicles for Teens (iihs.org)
- Shopping for a Safe Car (Insurance Information Insitute)
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