Lower Your 2006 Dodge Ram Pickup 2500 Car Insurance Rates

Scraping up a payment for overpriced Dodge Ram Pickup 2500 insurance can dwindle your personal savings and force you to make sacrifices. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet.

Companies like GEICO, 21st Century and Progressive continually hit you with ad campaigns and it can be hard to see past the corporate glitz and do the work needed to find the best deal.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. Choosing the best insurance company for you is not that difficult. But drivers need to learn the methods companies use to price insurance differently.

The best way to get rate comparisons is to know the fact most of the bigger providers will pay a fee to compare their rates. To begin a comparison, all you need to do is take a few minutes to give details like if you are currently licensed, whether or not you need a SR-22, the year, make and model of vehicles, and how your vehicles are used. The data is then sent to many of the top insurers and you should receive rate quotes quickly.

To get price quotes for your 2006 Dodge Ram Pickup 2500, click here and see if a lower rate is available.

Pay less by taking advantage of discounts

Companies offering auto insurance don’t always advertise every available discount very clearly, so the following is a list of some of the more common and also the lesser-known insurance coverage savings.

  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Senior Discount – Mature drivers may qualify for a discount up to 10% for Ram pickup insurance.
  • Good Student – This discount can save 20 to 25%. The good student discount can last well after school through age 25.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Ram pickup insurance than their less cautious counterparts.
  • Accident Waiver – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a set time period.
  • Memberships – Being a member of a professional or civic organization is a good way to get lower rates on insurance coverage for Ram pickup insurance.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. So when it seems like it’s possible to get free car insurance, companies don’t profit that way.

To see a list of companies with discount insurance coverage rates, follow this link.

Pieces of the Dodge Ram Pickup 2500 insurance rate puzzle

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that could result in better car insurance rates.

Shown below are some of the items used by your company to calculate premiums.

  • Safer occupants lowers premiums – Safer cars get lower rates. The safest vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If the Dodge Ram Pickup 2500 is rated at least four stars on Safercar.gov it may be receiving lower rates.
  • Where you live is a factor – Residing in a small town is a positive aspect when it comes to car insurance. Fewer people means fewer accidents and also fewer theft and vandalism claims. City drivers have to deal with more traffic problems and a longer drive to work. More time on the road means higher likelihood of an accident.
  • Older drivers save more – Teenage drivers have a tendency to be more careless behind the wheel so they pay higher car insurance rates. If you’ve ever had to add a teen driver to your policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
  • Don’t buy coverages you don’t need – There are a ton of additional coverages that you can get tricked into buying when buying car insurance. Insurance for personal injury protection, accidental death and motor club memberships are some examples. These may sound like a good investment when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
  • Don’t skimp on liability – Your policy’s liability coverage will protect you if you are found to be at fault for personal injury or accident damage. It provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Careful drivers pay lower rates – Only having one speeding ticket may increase your cost forty percent or more. Drivers with clean records get better rates compared to drivers with tickets. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Bundling policies can get discounts – Many car insurance companies will award you with lower prices to policyholders who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to comparison shop to ensure the best deal.
  • Optional equipment can affect rates – Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.

Your coverage should be tailored to you

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. These are some specific questions may help you determine if you might need an agent’s assistance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my cargo covered for damage or theft?
  • How much underlying liability do I need for an umbrella policy?
  • Do I really need UM/UIM coverage?
  • Am I getting all the discounts available?
  • When should my teen driver be added to my policy?
  • Are rock chip repairs covered?
  • Is my dog or cat covered if injured in an accident?
  • If my 2006 Dodge Ram Pickup 2500 is totaled, can I afford another vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Save $468 a year? Really?

Auto insurance companies such as Allstate and Progressive constantly bombard you with television and radio advertisements. They all seem to have a common claim that you can save if you switch your coverage to them. But how can every company claim to save you money? This is how they do it.

Different companies can use profiling for the right customer they prefer to insure. A good example of a profitable customer might be profiled as between 25 and 40, has no driving citations, and has excellent credit. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who are not a match for the “perfect” profile must pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save that much money. That’s the way insurance companies can confidently advertise the way they do. This illustrates why you need to get as many quotes as possible. It is impossible to predict which auto insurance company will have the lowest Dodge Ram Pickup 2500 insurance rates.

Detailed coverages of your car insurance policy

Knowing the specifics of your car insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages offered by car insurance companies.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, theft, rock chips in glass, a broken windshield and damage from flooding. The highest amount 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.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2006 Dodge Ram Pickup 2500.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses such as pain medications, hospital visits, nursing services, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

Liability coverage will cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as repair bills for other people’s vehicles, attorney fees, pain and suffering, bail bonds and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, colliding with a tree, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Get your money’s worth

We just presented many ideas to compare 2006 Dodge Ram Pickup 2500 insurance prices online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with an unexpected company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive or GEICO.

Budget-conscious insurance can be purchased both online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. Too many times, an insured cut physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your goal should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

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