Cheapest 1994 Dodge Ram Pickup 1500 Insurance Rates in 2023
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UPDATED: Feb 27, 2020
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Looking for lower insurance rates for your Dodge Ram Pickup 1500? Are you confused by the wide range of insurance options? You’re not alone. Consumers have so many options available that it can be a real hassle to find the best price.
It’s important to compare rates periodically due to the fact that insurance rates are variable and change quite frequently. Even if you got the best price on Ram pickup insurance a couple years back you will most likely find a better rate today. There is a lot of bad information regarding insurance on the web, but by reading this article, you’re going to learn some guaranteed methods to save money.
Finding the best rates is quite easy. If you currently have a car insurance policy, you will be able to save some money using this strategy. But drivers need to learn how insurance companies compete online and use this information to your advantage.
How to Get Auto Insurance
There are several ways of comparing rate quotes from auto insurance companies in your area. The best way to compare 1994 Dodge Ram Pickup 1500 insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.
One of the simplest ways to get quotes is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for separate quote forms for each company. A single form gets rate comparisons direct from many companies. It’s the fastest way to compare.
A more time consuming way to analyze rates requires a trip to the website of each company to complete a price quote. For example, we’ll assume you want comparison quotes from GEICO, Liberty Mutual and State Farm. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.
Which method you use is up to you, but make absolute certain that you use apples-to-apples coverage information for every quote you compare. If the quotes have different liability limits it’s impossible to make an equal comparison. Quoting even small variations in insurance coverages could mean much higher rates. Keep in mind that getting more free quotes helps you find the best rates.
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What is the best insurance coverage?
When choosing coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine if you would benefit from professional advice.
- Am I better off with higher deductibles on my 1994 Dodge Ram Pickup 1500?
- I have health insurance so do I need medical payments coverage?
- Is a new car covered when I drive it off the dealer lot?
- Should I carry comprehensive and collision coverage?
- Are all vehicle passengers covered by medical payments coverage?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Does my insurance cover a custom paint job?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.
Auto insurance 101
Knowing the specifics of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Collision coverages – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as damaging your car on a curb, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Dodge Ram Pickup 1500.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like vandalism, damage from flooding, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Coverage for liability – Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability can pay for things such as emergency aid, bail bonds, funeral expenses and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like EMT expenses, X-ray expenses and prosthetic devices. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
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