Lower Your 2000 Dodge Ram Pickup 1500 Car Insurance Quotes

Trying to find better insurance coverage rates? Buyers have options when searching for the best price on Dodge Ram Pickup 1500 insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to compare rates. There are both good and bad ways to buy insurance coverage so we’re going to tell you the best way to get price quotes on a Dodge and get the best price possible either online or from local insurance agents.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Consumers only need to know how to find the lowest price online.

Cut your car insurance rates with discounts

Car insurance companies don’t list all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known ways to save on car insurance. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge can qualify you for lower rates on the low mileage vehicles.
  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break when shopping for car insurance for Ram pickup coverage.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Ram pickup coverage with certain companies.
  • Accident Waiver – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Ram pickup coverage.

Drivers should understand that most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

Companies who might offer these discounts may include but are not limited to:

Double check with each insurance company which discounts they offer. Discounts may not be available in your state.

Factors that can influence insurance rates for a Dodge Ram Pickup 1500

It’s important that you understand some of the elements that come into play when calculating insurance coverage rates. Knowing what controls the rates you pay enables informed choices that may reward you with better insurance coverage rates.

The list below includes a partial list of the pieces insurance coverage companies consider when setting rates.

  • Your spouse saves you money – Having a spouse actually saves money on your insurance coverage policy. It means you’re more mature and responsible and statistics show married couples file fewer claims.
  • Men pay higher rates – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. They both have accidents at a similar rate, but men cause more damage. Men also get more serious tickets such as reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
  • With age comes lower rates – Young drivers are statistically proven to be less responsible when behind the wheel so insurance coverage rates are higher. Older insureds tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Discounts for multiple policies – Most companies will award you with lower prices to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to compare other company rates to make sure you are getting the best deal.
  • Lower deductibles cost more – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Dodge. Examples of covered claims are a windshield shattered by a rock, vandalism, and windstorm damage. Physical damage deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more money you’re willing to pay, the lower your rates will be for Ram pickup coverage.
  • Pleasure use saves money – The higher the mileage driven every year the more you will pay for insurance coverage. Most insurance companies apply a rate determined by how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. An improperly rated Ram Pickup 1500 can result in significantly higher rates. Double check that your insurance coverage declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
  • Don’t sacrifice liability coverage – Liability insurance will protect you if a jury decides you are liable for personal injury or accident damage. It will provide legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • Small claims can cost you – If you file claims often, you can look forward to either higher rates or even cancellation. Companies give cheaper rates to drivers who file claims infrequently. Car insurance is meant to be used in the event of larger claims.

You are unique and your auto insurance should be too

When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if you could use an agent’s help.

  • Which companies will insure high-risk drivers?
  • What can I do if my company won’t pay a claim?
  • Does insurance cover tools stolen from my truck?
  • Why is insurance for a teen driver so high?
  • What is covered by UM/UIM coverage?
  • Is business property covered if stolen from my car?
  • Do I have coverage if my license is suspended?
  • How does medical payments coverage work?
  • Is my Dodge Ram Pickup 1500 covered if I use it for business?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Beware of misleading car insurance ads

Consumers can’t ignore all the ads for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. All the ads say the same thing that you can save if you move your coverage to them.

How do they all claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the driver that makes them money. For example, a profitable customer might be profiled as over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. A customer who matches those parameters is entitled to the best price and most likely will cut their rates substantially.

Potential insureds who are not a match for these standards will have to pay higher rates which usually ends up with business not being written. The ad wording is “customers that switch” not “everybody who quotes” save that much. That’s why companies can state the savings. Because of the profiling, you absolutely need to get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings on Dodge Ram Pickup 1500 insurance.

Insurance coverages and their meanings

Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Dodge Ram Pickup 1500.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability coverages

This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like structural damage, funeral expenses, repair costs for stationary objects and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a mailbox, crashing into a ditch, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, a broken windshield, rock chips in glass and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for dental work, surgery and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

In Summary

Drivers leave their current company for a variety of reasons including questionable increases in premium, being labeled a high risk driver, delays in responding to claim requests and high prices. It doesn’t matter what your reason, switching companies can be less work than you think.

In this article, we presented a lot of techniques to save on 2000 Dodge Ram Pickup 1500 insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Cheaper insurance is possible on the web and with local insurance agents, so you should compare both to have the best selection. Some auto insurance companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

Additional information is available at the links below