2008 Dodge Ram Pickup 1500 Insurance Rates

Cutting costs on car insurance can be a challenge for people who are new to shopping for insurance online. Consumers have so many options that it can easily become a real hassle to find lower rates.

How to Get Car Insurance Comparison Quotes

Shopping for lower car insurance rates can be a lot of work if you don’t understand the easiest way. You could waste time discussing policy coverages with agents in your area, or you can stay home and use online quoting to get pricing more quickly.

Many popular insurance companies take part in a program where prospective buyers send in one quote, and each company then gives them pricing. This saves time by eliminating quotation requests to every company.

To access this free quoting program, click here (opens in new window).

The one disadvantage to pricing coverage this way is that consumers can’t choose the companies to receive prices from. So if you prefer to choose from a list of companies to request quotes from, we have a page of car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but double check that you are using the exact same coverage limits and deductibles on every quote you get. If you use differing limits then you won’t be able to truly determine the lowest rate. Quoting even small variations in coverage limits can make a big difference in price. And when comparison shopping, getting more free quotes gives you a better chance of getting a lower rate.

Discounts can save BIG

The price of auto insurance can be rather high, but you may find discounts that you may not know about. Some trigger automatically when you get a quote, but lesser-known reductions have to be inquired about before they will apply.

  • Good Student Discount – This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiring. It can save you around 10%.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Ram pickup insurance.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance.
  • Passive Restraints – Factory air bags or automatic seat belts can get savings of more than 20%.

It’s important to note that most credits do not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way. But any discount will help reduce your premiums.

Insurance companies that may have these discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. Some discounts might not be offered everywhere.

Will just any policy work for me?

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if your situation might need professional guidance.

  • When can I cancel my policy?
  • Does liability extend to a camper or trailer?
  • Does my medical payments coverage pay my health insurance deductible?
  • How do I insure my teen driver?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What can I do if my company denied a claim?
  • Is pleasure use cheaper than using my 2008 Dodge Ram Pickup 1500 to commute?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages

Understanding the coverages of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability auto insurance – Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others. 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 means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as medical services, emergency aid, bail bonds, attorney fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Medical costs insurance – Med pay and PIP coverage pay for bills for things like funeral costs, rehabilitation expenses, pain medications and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays for damage to your Ram Pickup 1500 caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, crashing into a building, hitting a parking meter, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as vandalism, rock chips in glass and hail damage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Dodge Ram Pickup 1500.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.