Average Insurance Costs:

• National Averages: The average annual premium for a 2018 Ram ProMaster is approximately $1,486, equating to about $124 per month. Insuraviz
• Colorado Specifics: Insurance premiums in Colorado tend to be higher than the national average. For a RAM ProMaster Cargo Van, the average annual cost in Colorado is around $2,555. CarEdge

Factors Influencing Premiums:

• Driver’s Age and Driving Record: Younger drivers or those with traffic violations may face higher premiums.
• Credit History: In Colorado, credit scores can impact insurance rates.
• Coverage Levels: Opting for higher liability limits or lower deductibles increases premiums.
• Location: Urban areas with higher traffic density may result in increased premiums.

Tips to Lower Premiums:

• Compare Quotes: Obtain quotes from multiple insurers to find competitive rates.
• Bundle Policies: Consider combining auto and home insurance for potential discounts.
• Maintain a Clean Driving Record: Safe driving can lead to lower premiums over time.
• Adjust Deductibles: Increasing your deductible can reduce premium costs, but ensure it’s an amount you can afford if a claim is necessary.

Total 12 Month Premium: $5,113.48

Monthly Installments: $428.69

2018 Ram ProMaster 2500 High Roof for Vanlife

The 2018 Ram ProMaster 2500 High Roof is a popular choice for vanlife enthusiasts due to its spacious interior, easy maneuverability, and customizable layout. Its front-wheel-drive system and relatively low floor height make it ideal for converting into a camper van.

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Key Specifications:

• Engine: 3.6L V6 producing 280 horsepower.
• Transmission: 6-speed automatic.
• Fuel Economy: 13 MPG city / 18 MPG highway.
• Cargo Space: 353 cubic feet.
• Height: 99.4 inches (High Roof model).
• Max Towing Capacity: 5,100 lbs.
• Payload Capacity: 4,070 lbs.

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Why the 2018 Ram ProMaster is Great for Vanlife:

1. Spacious Interior:
   • The boxy design maximizes interior space, making it easier to install beds, kitchen units, and storage.
2. High Roof Option:
   • With the high roof, most people can stand comfortably inside, making day-to-day van living more convenient.
3. Front-Wheel Drive:
   • Unlike rear-wheel-drive competitors, the ProMaster’s front-wheel drive improves traction in various weather conditions and allows for a lower cargo floor, providing easier access.
4. Ease of Customization:
   • The van’s interior is straightforward and open, making it a favorite for DIY builds and professional conversions alike.

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Vanlife Conversion Ideas:

1. Sleeping Area:
   • A fixed platform bed with storage underneath is common. The 2500’s length allows for a full or queen-size mattress.
2. Kitchen Setup:
   • Many vanlifers install a small kitchenette with a sink, stove, and mini-fridge. Solar power and a battery bank can provide off-grid electricity.
3. Bathroom:
   • Portable toilets and outdoor showers with water tanks mounted under the van are common solutions.
4. Storage Solutions:
   • Overhead cabinets, under-bed storage, and wall-mounted shelves make the most of vertical space.

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Insurance for Vanlife in Colorado:

If you’re converting your ProMaster for vanlife, you’ll likely need specialized insurance that covers both the vehicle and the contents inside.

Insurance Options:

1. Standard Full Coverage Auto Insurance:
   • Covers liability, collision, and comprehensive damage.
   • May not cover customizations or personal belongings inside the van.
2. RV Insurance:
   • Recommended for fully converted vans.
   • Covers personal belongings, customizations, and liability.
   • Progressive, State Farm, and Nationwide offer RV policies for camper vans.
3. Commercial Van Insurance (if applicable):
   • If you’re using the van for a business (e.g., mobile workspace or travel vlog), commercial insurance may be required.

Estimated Insurance Costs:

• Full Coverage Auto Insurance: $130–$200/month (standard drivers).
• RV Insurance: $150–$250/month, depending on the level of customization and contents coverage.
• High-Risk Drivers: $200–$300/month.

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Maintenance Tips for Vanlife:

1. Regular Oil Changes:
   • The 3.6L V6 engine requires oil changes every 5,000–7,500 miles.
2. Brake Checks:
   • Given the heavy loads often carried in vanlife builds, frequent brake inspections are essential.
3. Tire Maintenance:
   • Ensure proper tire pressure and consider all-season or off-road tires if traveling through diverse climates.
4. Electrical System Upkeep:
   • If using solar panels and a battery bank, regularly check connections and battery health.

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Popular Vanlife Routes in Colorado:

1. San Juan Skyway Scenic Byway:
   • A 236-mile loop through some of Colorado’s most beautiful mountain towns, including Ouray, Telluride, and Durango.
2. Rocky Mountain National Park:
   • Offers stunning views, wildlife encounters, and ample boondocking spots nearby.
3. Great Sand Dunes National Park:
   • Unique desert-like terrain surrounded by mountains, perfect for off-grid camping.
4. Gunnison National Forest:
   • Known for its vast wilderness, this area offers many free dispersed camping spots for vanlifers.

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Pros and Cons of Using a 2018 Ram ProMaster for Vanlife:

Pros:

• Ample interior space and high roof.
• Easy to drive and maneuver in cities and on highways.
• Affordable compared to other high-roof vans like the Mercedes Sprinter.
• Lower maintenance costs and widely available parts.

Cons:

• Lower fuel efficiency compared to smaller vans.
• Front-wheel drive may not perform as well in extreme off-road conditions.
• Limited towing capacity compared to some competitors.