Save on 2004 Dodge Ram Pickup 1500 Insurance Rates

Trying to find the cheapest auto insurance rates for your Dodge Ram Pickup 1500? Cutting costs on auto insurance can seem to be challenging for consumers new to comparison shopping online. You have so many options available that it can easily become a challenge to locate the lowest price.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these methods. Locating the best coverage is not that difficult. But drivers must understand how the larger insurance companies price insurance differently.

Cut your premium with discounts

Companies that sell car insurance don’t list all available discounts very clearly, so we break down both the well known and also the lesser-known ways to save on auto insurance.

  • Passive Restraints and Air Bags – Vehicles with factory air bags may earn rate discounts of up to 25% or more.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Good Student – This discount can save 20 to 25%. The discount lasts up to age 25.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Driver’s Ed – Have your child successfully complete driver’s ed class in high school.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Use Seat Belts – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.

It’s important to note that some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous.

For a list of insurance companies who offer auto insurance discounts, follow this link.

The best way we recommend to compare rate quotes is to know the fact all the major auto insurance companies have advanced systems to give you rate quotes. To start a quote, the only thing you need to do is give them some information including the type of vehicles you drive, how much you drive, your credit rating estimate, and how your vehicles are used. Your information is sent automatically to insurance companies and you receive quotes quickly.

Factors that can influence Dodge Ram Pickup 1500 insurance rates

Smart consumers have a good feel for the different types of things that help determine your auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

  • Careful drivers pay lower rates – Just one moving violation can boost insurance rates by twenty percent. Careful drivers get better rates than their less careful counterparts. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Do you know you’re credit rating? – Credit score is a big factor in determining what you pay for auto insurance. People with high credit ratings tend to be more responsible than drivers who have lower ratings. Therefore, if your credit is low, you could potentially save money when insuring your 2004 Dodge Ram Pickup 1500 by spending a little time repairing your credit.
  • Do men or women drive better? – Statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. Men and women have accidents at about the same rate, but the men have costlier accidents. Men also statistically receive more costly citations like reckless driving and DUI. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Lower rates come with age – Young drivers are known to be careless and easily distracted when behind the wheel so auto insurance rates are higher. Older insureds are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
  • Drive less and save money – Driving more miles in a year the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate than vehicles that are driven to work every day. An improperly rated Ram Pickup 1500 can result in significantly higher rates. Verify your auto insurance coverage properly reflects the proper vehicle usage, because it can save money.
  • Marriage brings a discount – Having a spouse actually saves money on your auto insurance policy. Marriage means you’re more mature and statistics show being married results in fewer claims.
  • Do you work long hours in a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, architects and accountants are shown to have higher rates than average because of stressful work requirements and long work days. On the flip side, jobs such as pilots, athletes and performers pay the least for Ram pickup insurance.
  • Don’t skimp on liability – Liability coverage is the protection in the event that a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage starting from day one. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.

What is the best insurance coverage?

When buying adequate coverage, there really is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need more liability coverage?
  • Why am I required to buy high-risk coverage?
  • Am I covered when using my vehicle for business?
  • What is roadside assistance coverage?
  • How can I find cheaper teen driver insurance?
  • What can I do if my company denied a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Save $474 a year? Really?

Companies like State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. All the ads have a common claim that you can save if you switch to their company. How does each company claim to save you money?

All companies have a certain “appetite” for the type of customer that is profitable for them. A good example of a profitable customer could be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who don’t measure up to this ideal profile will have to pay higher prices and ends up with business going elsewhere. Company advertisements say “people who switch” not “people who quote” save that much. That is how companies can claim big savings. Because of the profiling, you need to compare as many rates as you can. It’s impossible to know which insurance companies will fit your personal profile best.

Car insurance coverage basics

Knowing the specifics of your car insurance policy can help you determine the best coverages for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for ambulance fees, dental work and surgery. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Dodge Ram Pickup 1500.

Since a lot of drivers 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.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, a broken windshield and falling objects. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as funeral expenses, repair bills for other people’s vehicles, court costs, pain and suffering and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Collision protection

This coverage pays for damage to your Ram Pickup 1500 from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Smart shoppers get results

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced physical damage coverage to discover at claim time they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

People leave their current company for many reasons like extreme rates for teen drivers, delays in paying claims, unfair underwriting practices and even high rates after DUI convictions. It doesn’t matter what your reason, finding the right car insurance provider can be less work than you think.

Discount 2004 Dodge Ram Pickup 1500 insurance is attainable both online as well as from independent agents, so you should be comparing quotes from both to have the best selection. A few companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

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