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.
Year/Make Model: 2018 Ram ProMaster 2500 HIGH |
Ownership Status: Financed |
Discounts: Paperless, Automatic Card Payments, Homeowner |
Selected Coverages With Dairyland |
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Bodily Injury Liability: $25,000 per person/$50,000 per accident |
Property Damage Liability: $25,000 Comprehensive: $1.000 Deductible Collision: $1,000 Deductible Car Loan Protection: Selected |
Other Rejected Coverages: Uninsured/Underinsured Motorist, Medical Payments, Rental Reimbursement, Roadside Assistance |
Customer was needing to insure 2 vehicles in total. However the Ram 2500 was difficult to place with a carrier due to the type of vehicle. One of the agents that works with A Plus Insurance was determined to find a policy for our customer. They also selected a 12 month policy term to lock in their rate for longer.
Please note that this is only meant as an example and prices may vary depending on several factors.
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.
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.
Why the 2018 Ram ProMaster is Great for Vanlife:
- Spacious Interior:
- The boxy design maximizes interior space, making it easier to install beds, kitchen units, and storage.
- High Roof Option:
- With the high roof, most people can stand comfortably inside, making day-to-day van living more convenient.
- 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.
- Ease of Customization:
- The van’s interior is straightforward and open, making it a favorite for DIY builds and professional conversions alike.
Vanlife Conversion Ideas:
- Sleeping Area:
- A fixed platform bed with storage underneath is common. The 2500’s length allows for a full or queen-size mattress.
- 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.
- Bathroom:
- Portable toilets and outdoor showers with water tanks mounted under the van are common solutions.
- Storage Solutions:
- Overhead cabinets, under-bed storage, and wall-mounted shelves make the most of vertical space.
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:
- Standard Full Coverage Auto Insurance:
- Covers liability, collision, and comprehensive damage.
- May not cover customizations or personal belongings inside the van.
- RV Insurance:
- Recommended for fully converted vans.
- Covers personal belongings, customizations, and liability.
- Progressive, State Farm, and Nationwide offer RV policies for camper vans.
- 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.
Maintenance Tips for Vanlife:
- Regular Oil Changes:
- The 3.6L V6 engine requires oil changes every 5,000–7,500 miles.
- Brake Checks:
- Given the heavy loads often carried in vanlife builds, frequent brake inspections are essential.
- Tire Maintenance:
- Ensure proper tire pressure and consider all-season or off-road tires if traveling through diverse climates.
- Electrical System Upkeep:
- If using solar panels and a battery bank, regularly check connections and battery health.
Popular Vanlife Routes in Colorado:
- San Juan Skyway Scenic Byway:
- A 236-mile loop through some of Colorado’s most beautiful mountain towns, including Ouray, Telluride, and Durango.
- Rocky Mountain National Park:
- Offers stunning views, wildlife encounters, and ample boondocking spots nearby.
- Great Sand Dunes National Park:
- Unique desert-like terrain surrounded by mountains, perfect for off-grid camping.
- Gunnison National Forest:
- Known for its vast wilderness, this area offers many free dispersed camping spots for vanlifers.
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.
Additional Vehicle Information:
Year/Make Model: 2015 GMC Yukon Denali XL |
Ownership Status: Financed |
Discounts: Paperless, Automatic Card Payments, Homeowner |
Selected Coverages With Dairyland |
---|
Bodily Injury Liability: $25,000 per person/$50,000 per accident |
Property Damage Liability: $25,000 Comprehensive: $1.000 Deductible Collision: $1,000 Deductible |
Other Rejected Coverages: Uninsured/Underinsured Motorist, Medical Payments, Rental Reimbursement, Roadside Assistance |
Please note that this is only meant as an example and prices may vary depending on several factors.