Cheaper 1997 Dodge Ram Pickup 1500 Car Insurance Quotes

Sick and tired of trying to scrape together enough money to insure your Dodge every month? You are no different than the majority of other car owners.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with catchy ads and it can be hard to sift through the bull and take the time to shop coverage around.

It is always a good idea to price shop coverage at least once a year because rates tend to go up over time. Even if you think you had the best price for Ram pickup coverage last year there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out one of the best ways to reduce your cost while improving coverage.

Comparison of Car Insurance

There are several ways to shop for Dodge Ram Pickup 1500 car insurance, but one way is less time-consuming than others. You can waste hours talking to insurance agencies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

All the larger companies are enrolled in a marketplace that enables customers to submit their information once, and each company then gives them pricing based on that data. This prevents consumers from doing quote requests for each company you want a rate for.

To find out how much you can save on car insurance click here to open in new window.

The single downside to pricing coverage this way is you can’t choose which providers to get pricing from. If you prefer to choose from a list of companies to compare, we have a page of car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverage limits and deductibles on every quote you get. If you have higher or lower deductibles you will not be able to determine the lowest rate for your Dodge Ram Pickup 1500. Quoting even small variations in coverage limits may result in a large different in cost. And when comparing car insurance rates, know that obtaining a wide range of quotes helps locate the best price.

Discounts are great for lower rates

Properly insuring your vehicles can get expensive, but there are discounts available that many people don’t even know exist. Certain discounts will be applied when you purchase, but less common discounts must be requested specifically before you will receive the discount.

  • Driver Safety – Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Club Memberships – Being a member of a civic or occupational organization could trigger savings on your policy for Ram pickup coverage.
  • Distant Student – Kids in college living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Ram pickup coverage than drivers with accident claims.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.

Drivers should understand that most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will help reduce your premiums.

To see a list of companies who offer insurance coverage discounts, click here to view.

You may need specialized coverage

When choosing the best car insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine whether or not you might need an agent’s assistance.

  • What is roadside assistance coverage?
  • Does having multiple vehicles earn me a discount?
  • Do I need rental car coverage?
  • Can I drive in Mexico and have coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Dodge Ram Pickup 1500 rates influenced by many factors

Smart consumers have a good feel for the different types of things that come into play when calculating your insurance coverage rates. Understanding what determines base rates allows you to make educated decisions that can help you get better insurance coverage rates.

The list below includes a partial list of the pieces companies use to determine your rates.

  • Better credit means lower rates – Credit score is a important factor in your rate calculation. If your credit score is lower than you’d like, you could save money insuring your 1997 Dodge Ram Pickup 1500 by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Both sexes are in accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also receive more costly citations such as DWI and reckless driving.
  • Do you qualify for a multi-policy discount? – Most insurance companies provide better rates to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you’re getting this discount it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.
  • Do you work long hours in a high stress job? – Occupations such as doctors, architects and accountants have higher rates than average due to stressful work requirements and lengthy work days. On the flip side, occupations like scientists, athletes and retirees get better rates for Ram pickup coverage.
  • More claims means more premium – If you frequently file small claims, you can expect higher rates. Insurance companies provide cheaper rates to people who are claim-free. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Your location affects your rates – Being located in a rural area can save you money when it comes to insurance coverage. Drivers in populated areas tend to have traffic congestion and much longer commute distances. Less people living in that area means fewer accidents.
  • A lapse in coverage is a bad thing – Allowing your coverage to lapse will be a fast way to increase your insurance coverage rates. And not only will insurance be more expensive, failure to provide proof of insurance can result in a steep fine or even jail time.

Insurance coverage basics

Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Liability – Liability coverage can cover damage that occurs to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like court costs, pain and suffering, legal defense fees, bail bonds and structural damage. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, theft, hail damage and hitting a deer. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 1500.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are similar to your liability insurance amounts.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like nursing services, prosthetic devices, ambulance fees, funeral costs and pain medications. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision insurance covers damage to your Ram Pickup 1500 from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Make a quick buck

Low-cost 1997 Dodge Ram Pickup 1500 insurance is available both online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and these regional insurance providers work with independent agents.

We just presented many ideas to shop for insurance online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest rates come from the smaller companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

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