Cheap 1999 Dodge Ram Pickup 1500 Car Insurance Cost

Trying to find lower insurance rates for your Dodge Ram Pickup 1500? Have you fallen victim to high-priced insurance? Believe me, there are many people just like you. Since consumers have many options when it comes to insurance, it’s difficult to pick the lowest cost company.

The purpose of this post is to introduce you to how to get online quotes. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this strategy. Drivers just need to understand the best way to find the lowest price on the web.

Compare the Market for Auto Insurance

Finding lower auto insurance rates is not rocket science. The only requirement is to take a couple of minutes to compare quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The first (and easiest) way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This easy form keeps you from doing separate quote forms for each company. Completing one form compares rates from several companies.
  • Another way to compare prices requires you to visit the website for each individual company and request a quote. For instance, let’s assume you want comparison quotes from GEICO, Esurance and American Family. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make absolute certain that you use the exact same coverage information on every quote you get. If your comparisons have different liability limits then you won’t be able to make an equal comparison.

Why you might be paying too much to insure your Dodge Ram Pickup 1500

An important part of buying insurance is that you know the rating factors that help determine the price you pay for insurance coverage. Understanding what controls the rates you pay enables informed choices that could result in big savings.

The following are a few of the “ingredients” insurance coverage companies consider when setting premiums.

  • Do you have a high stress job? – Occupations such as doctors, business owners and financial analysts tend to pay higher average rates attributed to high stress and lots of time spent at work. Conversely, occupations like actors, engineers and the unemployed have the lowest average rates on Ram pickup coverage.
  • Consolidate policies to earn discounts – Some insurers provide better rates to customers who buy several policies from them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to shop around to make sure you are getting the best deal. Drivers may still find a better deal by insuring with multiple companies.
  • Your location affects your rates – Living in a rural area is a positive aspect when talking about insurance coverage. Drivers in populated areas have more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident and a lower car theft rate.
  • Protect yourself with liability coverage – Liability coverage will protect you in the event that you are found to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Better crash test results mean better rates – Safer cars get lower rates. Safe vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If the Dodge Ram Pickup 1500 earned at least four stars on you may qualify for a discount.
  • Pay less after the wedding – Having a wife or husband actually saves money on your insurance coverage policy. Having a significant other translates into being more mature and statistics show married couples file fewer claims.
  • Equipment add-ons that lower insurance coverage rates – Driving a car with anti-theft technology or alarm system can get you a discount on your insurance coverage. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.

Take advantage of discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help bring down the price. Most are applied when you complete an application, but a few must be requested specifically before you get the savings. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Ram pickup coverage than their less cautious counterparts.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on Ram pickup coverage.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Clubs and Organizations – Affiliation with a civic or occupational organization is a good way to get lower rates when shopping for insurance on Ram pickup coverage.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • E-sign – A handful of insurance companies will give a small break for buying your policy on their website.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.

It’s important to note that most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will help reduce the cost of coverage.

Companies that possibly offer these money-saving discounts include:

Before buying, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not apply in your area.

How to know if you need help

When it comes to choosing the right insurance coverage, there is no best way to insure your cars. Each situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight whether you could use an agent’s help.

  • Should I drop comprehensive coverage on older vehicles?
  • Who is covered when they drive my 1999 Dodge Ram Pickup 1500?
  • How high should my medical payments coverage be?
  • What is UM/UIM insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my cargo covered for damage or theft?
  • What is no-fault insurance?
  • Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

What insurance coverages do you need?

Understanding the coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages available from insurance companies.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, hitting a bird, a tree branch falling on your vehicle and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays for damage to your Ram Pickup 1500 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, colliding with a tree, driving through your garage door, rolling your car and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Ram Pickup 1500.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverages

Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as medical expenses, repair bills for other people’s vehicles, repair costs for stationary objects and structural damage. How much coverage you buy is your choice, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for ambulance fees, surgery, funeral costs, EMT expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Be a Smart Shopper

We just showed you a lot of tips how to shop for 1999 Dodge Ram Pickup 1500 insurance online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with an unexpected company. These companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

The cheapest insurance is definitely available on the web and also from your neighborhood agents, and you need to comparison shop both to have the best selection. A few companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

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