View 1999 Dodge Ram Pickup 2500 Car Insurance Quotes

Want better car insurance rates? Drivers have lots of choices when trying to find low-cost Dodge Ram Pickup 2500 insurance. You can either waste hours calling around to get rate comparisons or save time using the internet to compare rates.

There are both good and bad ways to buy car insurance and you need to know the proper way to get price quotes on a Dodge and locate the cheapest rates either online or from local insurance agents.

If you have a current insurance policy or need new coverage, you can use this information to shop for the lowest rates and possibly find even better coverage. This information will familiarize you with the most effective way to quote insurance and some tricks to saving. Drivers only need to know the tricks to compare rates online.

The quickest method to compare insurance rates in your area is to take advantage of the fact most of the larger companies actually pay money for the chance to give you rate quotes. To get started, all you need to do is provide the companies a bit of rating information including if a SR-22 is needed, coverage limits, driver details, and if it has an alarm system. The data is instantly provided to insurance companies and they respond with quotes immediately.

To compare multiple company rates now, click here and enter your zip code.

Discounts are great for lower rates

The price of auto insurance can be rather high, but there could be available discounts that many people don’t even know exist. Most are applied at the time of quoting, but some must be manually applied before they will apply. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Multiple Policy Discount – If you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts up to 30%.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Ram pickup coverage than drivers with accident claims.

Keep in mind that some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, you’re out of luck. But all discounts will cut the amount you have to pay.

A partial list of companies that may offer these benefits include:

Before buying, ask all companies you are considering which discounts they offer. Savings might not apply in your state.

You may need specialized coverage

When choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if your insurance needs will benefit from professional help.

  • Should I rate my 1999 Dodge Ram Pickup 2500 as pleasure use or commute?
  • Do I have coverage if my license is suspended?
  • Does coverage extend to my business vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my Dodge Ram Pickup 2500 covered if I use it for business?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Impacting insurance rates for a Dodge Ram Pickup 2500

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with better insurance rates.

Shown below are some of the factors used by your company to calculate rates.

  • Lower rates come with age – Older drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Teenage drivers have a tendency to get distracted easily behind the wheel and because of this, their insurance rates are much higher.
  • Poor driving leads to higher costs – Your driving citation history has a big impact on rates. Just one citation can increase rates forty percent or more. Good drivers get better rates than bad drivers. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state DMV in order to continue driving.
  • Where you live is a factor – Residing in less populated areas has it’s advantages when buying insurance. Less people living in that area means a lower chance of having an accident. City drivers tend to have congested traffic and longer commute times. Longer commute distances translates into higher accident risk.
  • Men pay higher rates – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. They both have accidents at about the same rate, but the males tend to have more serious accidents. They also get more serious tickets like DUI and reckless driving.
  • Add-on coverages can add up – There are many extra coverages that you can buy on your insurance policy. Coverages for personal injury protection, towing coverage and membership fees may be costing you every month. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Never go without insurance – Not having insurance can get your license suspended and insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance will get you a steep fine or even jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Save money with special equipment – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.

Beware of misleading insurance coverage ads

Consumers get pounded daily by advertisements that promise big savings by companies like State Farm, Allstate and GEICO. All the companies have a common claim that you’ll save big if you switch to them.

How do they all make almost identical claims?

All companies are able to cherry pick for the type of driver that earns them a profit. For example, a profitable customer could be over the age of 50, a clean driving record, and has a high credit rating. A driver who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Potential insureds who don’t qualify for the requirements will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully make those claims.

Because of the profiling, you should quote coverage with many companies. It’s not possible to predict which insurance coverage company will give you the biggest savings on Dodge Ram Pickup 2500 insurance.

Information about specific coverages

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Dodge Ram Pickup 2500.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, rock chips in glass, hitting a deer, damage from a tornado or hurricane and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

This covers damage to your Ram Pickup 2500 resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability

This coverage provides protection from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims, and 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. You commonly see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as bail bonds, medical expenses, attorney fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like pain medications, hospital visits, nursing services, X-ray expenses and dental work. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Take this to the bank

We just presented many tips how you can compare 1999 Dodge Ram Pickup 2500 insurance prices online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a small local company.

Consumers switch companies for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, delays in paying claims and lack of trust in their agent. It doesn’t matter why you want to switch switching insurance coverage companies is not as difficult as it may seem.

When you buy insurance online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed collision coverage only to find out that it was a big mistake. The aim is to find the BEST coverage at an affordable rate while still protecting your assets.

Even more information can be found at these sites: