Five Minutes to the the Cheapest Dodge Ram 2500 Van Insurance Price
Are you sick and tired of not being able to afford to buy car insurance? Your situation is no different than most other car owners in Nevada. Because there are so many options when it comes to car insurance, it’s difficult to find the best company.
Lower rates by qualifying for discounts
Companies don’t always advertise all available discounts in a way that’s easy to find, so we took the time to find some of the more common as well as the least known savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re paying more than you need to.
- Senior Citizens – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Ram van insurance.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
- Federal Employees – Employees or retirees of the government may qualify you for a discount for Ram van insurance with select insurance companies.
- One Accident Forgiven – Some insurance companies permit an accident before your rates go up so long as you haven’t had any claims prior to the accident.
- No Claims – Claim-free drivers pay much less when compared to bad drivers.
- Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy could earn a price break for each car.
- Safe Driver Discount – Safe drivers may receive a discount up to 45% less for Ram van insurance than drivers with accident claims.
- Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
- Low Mileage – Keeping the miles down on your Dodge can qualify you for better rates on cars that stay parked.
- Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
As a disclaimer on discounts, most credits do not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.
For a list of insurance companies offering car insurance discounts in Nevada, click here.
Neighborhood agents for car insurance
Some people would prefer to sit down with an agent and there is nothing wrong with that. Good agents can answer important questions and help in the event of a claim. The biggest benefit of comparing insurance prices online is you can get the lowest rates but also keep your business local.
To help locate an agent, after submitting this simple form, your information gets sent to local insurance agents who will battle to get your business. There is no reason to drive around since price quotes are sent to the email address you provide. Now that’s easy!
Picking an insurance company needs to be determined by more than just the premium amount. Here are some questions to ask:
- If you are a high risk driver, do they have special markets for your coverage?
- Do they have any clout with companies to ensure a fair claim settlement?
- How long has their agency been open?
- Is the agent and/or agency licensed to do business in Nevada?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- What will you get paid if your car is a total loss? How is that amount determined?
If you want to select a specific agent in Nevada, click here.
After getting acceptable answers to your questions in addition to an acceptable price estimate, you have narrowed it down to an insurer that meets your needs to insure your vehicles.
Buyer beware of car insurance advertising tricks
Consumers can’t get away from ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that you can save if you switch to their company.
How can each company make the same claim?
All the different companies have a certain “appetite” for the type of customer they prefer to insure. For example, a profitable customer could possibly be over the age of 50, is a homeowner, and drives less than 10,000 miles a year. A driver who meets those qualifications will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.
Potential insureds who fall outside the “perfect” profile will have to pay higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that much. That’s why companies can truthfully claim big savings. Because of the profiling, you absolutely need to quote coverage with many companies. It’s not possible to predict which insurance companies will give you the biggest savings.
More information about car insurance
Additional detailed information can be found at the Nevada Division of Insurance website. Nevada consumers can download brochures, report car insurance fraud, read consumer alerts, and learn about insurance regulations.
More related Nevada car insurance information:
In Summary
As you prepare to switch companies, you should never reduce coverage to reduce premium. There are many occasions where drivers have reduced full coverage to discover at claim time they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.
We just showed you a lot of ways to get a better price on Dodge Ram 2500 Van insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the best prices are with a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.