Six Minute Guide for Finding the Best Dodge Ram 2500 Van Insurance

Scraping up a payment for expensive Dodge Ram 2500 Van insurance can stress out your budget and possibly require you to analyze your spending habits. Comparing price quotes can save money and help to lower your monthly bill.

Companies like Allstate, Progressive and GEICO continually hit you with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

You should take the time to shop coverage around before your next renewal because insurance prices tend to go up over time. Despite the fact that you may have had the best rates for Ram van insurance at your last renewal there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to teach you the proper way to find lower rates on auto insurance.

Learn How to Buy Auto Insurance Cheaper

Lots of things are taken into consideration when quoting car insurance. Some of the criteria are obvious such as your driving record, although others are more transparent like where you live or how financially stable you are.

• Always have auto insurance – Not having insurance is a big no-no and your next policy will cost more because you let your coverage lapse. Not only will rates go up, not being able to provide proof of insurance may result in fines and jail time. You may then be required to submit proof of financial responsibility or a SR-22 with your state DMV.
• Advanced theft deterrents – Choosing a vehicle with advanced anti-theft systems can earn a premium discount. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all help stop auto theft and help lower rates.
• Defend yourself with liability coverage – A critical coverage on your policy, liability insurance will afford coverage if you are determined to be liable for causing personal injury or damage in an accident. This coverage provides legal defense which can cost a lot. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Get a ticket, pay higher rates – Your driving record impacts premiums far more than you think. Only having one moving violation can bump up the cost substantially. Drivers with clean records pay lower auto insurance prices compared to drivers with tickets. People who have serious violations such as DUI or reckless driving might be required by their state to submit a SR-22 form with their state’s licensing department in order to legally drive a vehicle.
• Bundle policies with the same company – Many insurance companies afford a discount to insureds who carry more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, you still need to check prices from other companies to guarantee you are still saving the most.
• How credit score affects auto insurance rates – Your credit rating can be an important factor in calculating your auto insurance rates. So if your credit history can be improved, you could save money insuring your Dodge Ram 2500 Van by improving your credit score. People that have good credit tend to be less risk to insure than drivers with lower ratings.
• How your age affects rates – Young drivers are known to be easily distracted when driving and because of this, their auto insurance rates are much higher. Mature drivers are shown to be more cautious, file fewer claims and are safer drivers.
• Lower comp and collision deductibles cost more – The deductibles you choose are how much the insured will be required to pay if a covered claim is submitted. Protection for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of some claims that would be covered would be a windshield broken by a bird, hail damage, and damage from wind. The more you choose to pay out-of-pocket, the less your auto insurance will be for Ram van insurance.

Get cheaper rates with these discounts

Auto insurance companies don’t always publicize the complete list of policy discounts very well, so we took the time to find both well-publicized as well as some of the hidden discounts that may be available.

• Pay Upfront and Save – If paying your policy premium upfront rather than spreading payments over time you may reduce your total bill.
• Clubs and Organizations – Participating in specific professional or occupational memberships or organizations can get you a small discount on your next auto insurance statement.
• Own a Home and Save – Owning a house can help you save on auto insurance because owning a home requires personal responsibility.
• Driver’s Ed – Cut your cost by having your teen driver participate in a local driver’s education class in school.
• Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings as much as 30%.
• Multi-car Discount – Buying coverage for primary and secondary vehicles with the same auto insurance company can get a discount for every vehicle.
• Life Insurance – If the company offers life insurance, you could get a discounted price on car insurance if you buy a life policy as well.
• Savings for New Vehicles – Insuring a new car may earn a small discount because newer vehicles have to meet stringent safety requirements.
• Military Deployment Discount – Being on active deployment in the military could mean lower prices.
• Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and will save you 10% or more.

One last thing about discounts, most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, you won’t be that lucky.

To locate companies offering auto insurance discounts, click here.

Local car insurance agents

Some people prefer to go talk to an agent and that is OK! Professional agents can help you choose the best coverages and help in the event of a claim. The best thing about price shopping on the web is that you can find the best rates but still work with a licensed agent. Buying insurance from neighborhood insurance agencies is especially important if you live in a smaller city or town.

By using this quick form, your insurance data is instantly submitted to participating agents who will give competitive quotes for your business. It simplifies rate comparisons since you won’t have to find an agent on your own since price quotes are sent to you. In the event you want to compare rates from a specific insurance company, you would need to go to their quote page and submit a quote form there.

Two types of auto insurance agents

When searching for a reputable insurance agent or broker, it helps to know the two types of insurance agents that you can select. agents are either captive or independent. Both sell affordable auto insurance policies, but it is a good idea to know the difference in how they write coverage because it can impact your selection of an agent.

Independent Agents (or Brokers)

Independent agencies are not employed by any specific company so they can quote policies with multiple insurance companies and find you cheaper rates. If you want to switch companies, your policy is moved internally and that require little work on your part.

If you are comparing auto insurance prices, you will definitely want to get several quotes from at a minimum one independent agency to have the most options to choose from.

Captive Auto Insurance Agents

Agents in the captive channel normally can only provide a single company’s rates and some examples include State Farm, Allstate, and Farm Bureau. They generally cannot provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Captive insurance agents are usually quite knowledgeable on the products they sell which aids in selling service over price.

To locate insurance agents near you, here is a link to find a good insurance agency.

Finding the right insurance agency is decision based upon more than just the price. The answers to these questions are important, too.

• Which company do they place the most coverage with?
• Is the agency active in community causes?
• What discounts might you be missing?
• Do the companies they represent have a solid financial rating?
• Do the agents have professional certifications like CPCU or CIC?
• Do they feel the quoted coverages are adequate?
• What companies can they write with?

Don’t give up on lower rates

Some insurance providers may not provide online price quotes and these smaller companies only sell through local independent agents. Lower-priced Dodge Ram 2500 Van insurance can be sourced from both online companies and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from.

When you , it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find for the lowest cost and still be able to protect your assets.