Lower Your 2000 Dodge Ram Pickup 2500 Insurance Cost

Trying to find cheaper auto insurance rates for your Dodge Ram Pickup 2500? Nobody likes having to buy auto insurance, in particular when they are paying too much.

Consumers have many car insurance companies to pick from, and although it’s nice to be able to choose, it can be more difficult to compare rates and cut insurance costs.

Compare the Market for Auto Insurance

To find the best auto insurance prices, there are several ways to compare rate quotes from auto insurance companies in your area. The best method to find competitive 2000 Dodge Ram Pickup 2500 insurance rates involves getting comparison quotes online. This can be accomplished in a couple of different ways.

  1. Probably the best way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This method keeps you from doing repetitive form submissions for each company you want a rate for. Taking the time to complete one form will return price quotes direct from many companies.
  2. A different way to compare rate quotes is spending the time to visit each individual company website and complete a new quote form. For sake of this example, we’ll pretend you want comparison quotes from Nationwide, GEICO and GMAC. You would have to visit each site and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least recommended way of comparing rate quotes is to spend your day driving to different agent offices. Buying insurance online makes this process obsolete unless you prefer the professional advice that only a license agent can provide. However, consumers can price shop your coverage online but still have the advice of a local agent and we’ll cover that in a bit.

Which method you use is up to you, but ensure you’re using identical quote information on every quote. If you use different values for each quote it will be very difficult to decipher which rate is best. Slightly different insurance coverages can make a big difference in price. And when comparing auto insurance rates, know that obtaining a wide range of quotes helps you find the best price.

Save big with these discounts

Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but a few need to be asked for before being credited.

  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Accident Free – Drivers who don’t have accidents can earn big discounts compared to accident-prone drivers.
  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get better insurance rates for Ram pickup coverage.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Ram pickup coverage with a few insurance companies.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.

Insurance companies that may offer these money-saving discounts may include but are not limited to:

Double check with all companies you are considering how you can save money. All car insurance discounts may not apply in every state.

But I don’t know anything about car insurance

When choosing the best car insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different so your insurance should reflect that For example, these questions might help in determining if your insurance needs may require specific advice.

  • Can I get a multi-policy discount?
  • What happens if I owe more than my 2000 Dodge Ram Pickup 2500 is worth?
  • Do I have newly-aquired coverage?
  • Is my nanny covered when driving my vehicle?
  • If my pet gets injured in an accident are they covered?
  • When should I remove comp and collision on my 2000 Dodge Ram Pickup 2500?
  • Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages explained

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from auto insurance companies.

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, hitting a parking meter, driving through your garage door, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like doctor visits, surgery, chiropractic care and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, rock chips in glass, hitting a bird, damage from flooding and a broken windshield. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Ram Pickup 2500.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Auto liability – Liability insurance can cover damage that occurs to people or other property. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy as large an amount as possible.