2002 Dodge Ram Pickup 2500 Insurance Cost – 5 Tricks for Best Prices

Trying to find lower insurance coverage rates for your Dodge Ram Pickup 2500? Are you confused by the number of insurance coverage options? Many other consumers are too. You have so many companies to choose from that it can easily become a real challenge to find the best price.

You should take the time to get comparison quotes periodically since rates change regularly. Despite the fact that you may have had the best deal for Ram pickup insurance a year ago you may be paying too much now. So just forget anything you know (or think you know) about insurance coverage because we’re going to show you the fastest and easiest way to save on insurance coverage.

Finding Insurance Deals

There are several ways of comparing price quotes and find the best price. The recommended way to compare 2002 Dodge Ram Pickup 2500 insurance prices is to perform an online rate comparison. This can be done using a couple different methods.

  1. The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form eliminates the need for boring form submissions for each company you want a rate for. Completing one form will return quotes instantly. This is perfect if you don’t have a lot of time.
  2. Another way to analyze rates requires a trip to the website for each individual company and complete a new quote form. For instance, we’ll pretend you want to compare Farmers, Esurance and GEICO. You would have to take the time to go to each site and enter your information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

However you get your quotes, make absolute certain that you use apples-to-apples coverages and limits for every quote you compare. If the quotes have unequal deductibles or liability limits it’s impossible to make an equal comparison. Slightly different insurance coverages may cause a big price difference. Just keep in mind that getting more free quotes will enable you to find lower pricing.

Discounts to lower 2002 Dodge Ram Pickup 2500 insurance rates

Companies don’t necessarily list all available discounts in a way that’s easy to find, so we took the time to find some of the more common and the more hidden car insurance savings.

  • Discount for Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • Homeowners Pay Less – Simply owning a home may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • No Claims – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
  • Multiple Policy Discount – If you have multiple policies with one company you could get a discount of at least 10% off all policies.

Consumers should know that most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free car insurance policy, you’re out of luck.

Companies that may offer these benefits include:

It’s a good idea to ask each company how you can save money. All car insurance discounts might not apply in your area.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there really is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that might point out whether or not you will benefit from professional help.

  • Will my insurance pay for OEM parts?
  • Should I have a commercial auto policy?
  • Can I still get insurance after a DUI?
  • Do I pay less for low miles?
  • How can I get my company to pay me more for my totalled car?
  • What discounts do I qualify for?
  • Am I covered if I break a side mirror?
  • Is my nanny covered when driving my vehicle?
  • What is medical payments coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Parts of your auto insurance policy

Having a good grasp of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things such as repair bills for other people’s vehicles, pain and suffering, funeral expenses, medical expenses and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as dental work, doctor visits, chiropractic care, funeral costs and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists 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 2500.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, hitting a bird and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, driving through your garage door, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.