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5 Tips for Getting the Lowest Insurance Quotes for Your Dodge Ram
You’ve just purchased a brand new Dodge Ram and you’re itching to take it out on the road to see what it can do. But before you kick up some dust off-roading, you’re going to want to make sure that your new baby is fully insured in case anything happens. And while searching for car insurance quotes rates pretty low on the “Fun” scale, it’s one of the most important things you can do to make sure you have your car for a long time to come. Since most of us aren’t experts at finding auto insurance quotes, we’ve put together this list of help tips to get you started in the right direction.
Figure out how much coverage you need before hand: Getting a car insurance quote will require you to make a lot of decisions about the amount of coverage you want. Things such as how much liability coverage is required in your state, how much property coverage you want (if you want it at all), how much you can afford to pay as a deductible and whether you want additional coverage such as rental car reimbursements or comprehensive coverage are all decisions that you should make before looking for quotes. For more information on deciding how much coverage you need, see here (link to the article about different coverage types)
Use quote comparison websites: Using any one of a number of car insurance comparison services can save you the hassle of having to enter in your information into a bunch of separate insurance company websites. Sites such as Insweb allow you to compare insurance rates from a host of national insurance providers – and can even help you identify which company is offering the lowest car insurance premium.
Identify discounts that you qualify for:Most car insurance providers offer a variety of discounts to drivers to help promote safer driving. Some of the discounts that you may qualify for include a safe driver discount, defensive driver discount, good student discount, bundled insurance discount (if you have your car and home owners insurance with the same company), anti-theft discount, military discount and a low mileage discount for drivers who don’t plan on driving that much.
Take your time:Avoid the temptation to use “Instant” car insurance quote services. While the Internet has given consumers the ability to get car insurance at lightning speed, rushing through the process can often lead to missteps such as ignoring valuable discounts, getting too much (or too little) coverage, and settling for the first quote you get. Don’t let impatience get in the way of making sure you get the lowest car insurance quote possible.
Bundle your insurance coverage:If you already have a homeowner’s insurance policy with a company that you are happy with, you can save a lot of money by adding car insurance onto your policy. Most companies will give discount rates to customers who have more than one type of policy with them.
When searching for the lowest car insurance quotes for you Dodge Ram, it’s important not to get overwhelmed by the process or try to rush it just to get it over with. With the right research, tools and a little bit of patience, you’ll be able to find the best car insurance rates available and make sure your Ram stays right where it belongs – on the road!