2004 Dodge Ram Pickup 2500 Insurance Rates – 10 Tips for Cheapest Quotes

Trying to find lower auto insurance rates for your Dodge Ram Pickup 2500? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me when I say you’re not the only one.

Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest cost out there.

The method we recommend to compare policy rates utilizes the fact most larger insurance companies allow for online access to quote your coverage. The only thing you need to do is give the companies some data such as whether you are single or married, your general credit rating, if the car is leased, and driver details. That rating data is then submitted to many different companies and they return cost estimate very quickly.

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

Do you qualify for a discount?

Companies offering auto insurance do not list every available discount in an easy-to-find place, so here is a list both well-publicized as well as the least known ways to save on insurance.

  • Defensive Driving Course – Taking part in a driver safety course could save 5% or more if your company offers it.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Homeowners Savings – Being a homeowner may trigger a insurance policy discount because maintaining a house is proof that your finances are in order.
  • Club Memberships – Participating in certain professional organizations could trigger savings when shopping for insurance on Ram pickup coverage.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Distant Student – Any of your kids who are attending college and don’t have a car may qualify for this discount.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

Drivers should understand that most discount credits are not given the the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of providers offering insurance discounts, click this link.

What coverages do I need?

When choosing the best insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you may require specific advice.

  • How much underlying liability do I need for an umbrella policy?
  • Am I covered if I crash into my own garage door?
  • Can I still get insurance after a DUI?
  • Are my friends covered when driving my car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Are rock chip repairs covered?
  • Does coverage extend to a rental car in a foreign country?
  • Does my 2004 Dodge Ram Pickup 2500 need full coverage?
  • Do I really need UM/UIM coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Switch companies and save? Really?

Insurance coverage companies such as State Farm, Allstate and GEICO regularly use ads on TV and radio. They all seem to make the same claim that you can save if you move your policy. How do they all make the same claim? This is how they do it.

Different companies have a preferred profile for the type of driver that earns them a profit. An example of a profitable customer might be profiled as between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. Any driver who matches those parameters will get very good rates and most likely will save a lot of money.

Potential insureds who don’t meet the requirements must pay higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently make the claims of big savings. This illustrates why drivers must quote coverage with many companies. It’s just too difficult to predict which insurance coverage company will give you the biggest savings on Dodge Ram Pickup 2500 insurance.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Comprehensive or 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 can pay for things like damage from flooding, falling objects, damage from getting keyed and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from 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. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as loss of income, structural damage, legal defense fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Dodge Ram Pickup 2500.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

Collision coverage covers damage to your Ram Pickup 2500 resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, colliding with another moving vehicle, rolling your car, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses like funeral costs, nursing services, doctor visits, EMT expenses and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Affordable insurance is out there

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There are many occasions where drivers have reduced collision coverage only to regret they didn’t purchase enough coverage. The aim is to get the best coverage possible at a price you can afford.

In this article, we covered many tips how you can shop for 2004 Dodge Ram Pickup 2500 insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the lowest rates come from a smaller regional carrier. They may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.

Even more information can be found by following these links: