Cheap 2008 Dodge Ram Pickup 2500 Insurance Quotes

Are you intimidated by the sheer number of insurance company choices? Many other consumers are too. Drivers have so many choices that it can easily become a real hassle to find lower rates.

Get lower rates on Dodge Ram Pickup 2500 insurance

Auto insurance companies do not advertise all available discounts very clearly, so we break down some of the best known and also the lesser-known savings tricks you should be using.

  • Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Ram pickup insurance than drivers with accident claims.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • One Accident Forgiven – Some insurance companies will forgive one accident before your rates go up if you are claim-free for a certain period of time.
  • Student in College – Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with a substantially lower rate.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can get savings up to 30%.
  • Driver’s Ed – Require your teen driver to complete a driver education course if it’s offered in school.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, you’re out of luck.

For a list of insurers with discount auto insurance rates, follow this link.

Comprehensive Car Insurance Comparison

There are a variety of methods to compare 2008 Dodge Ram Pickup 2500 car insurance quotes, but one way is more efficient than others. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could use online quoting to achieve your goal.

Most of the larger companies participate in an industry program that allows shoppers to submit one quote, and each participating company returns a competitive quote. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose the insurers you want pricing from. If you wish to select specific providers to receive pricing from, we put together a list of companies who write car insurance in your area. Click to view list.

Which method you use is up to you, but compare the exact same coverage information on every quote you get. If you enter different deductibles you will not be able to make an equal comparison. Just a small difference in coverages may cause a big price difference. And when comparing car insurance rates, know that comparing more company’s prices helps locate a better price.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether you might need professional guidance.

  • Should I put collision coverage on all my vehicles?
  • Are my friends covered when driving my car?
  • Does my liability insurance cover pulling a trailer or camper?
  • How much underlying liability do I need for an umbrella policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I missing any policy discounts?

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

Information about specific coverages

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive (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 then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, a broken windshield, damage from getting keyed, hitting a deer and vandalism. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like hospital visits, nursing services, rehabilitation expenses and chiropractic care. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverages – This pays for damage to your Ram Pickup 2500 resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability insurance – Liability insurance can cover damage that occurs to other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things like bail bonds, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Dodge Ram Pickup 2500.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

A fool and his money are soon parted

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your aim should be to find the BEST coverage for the lowest price while still protecting your assets.

People leave their current company for any number of reasons including unfair underwriting practices, lack of trust in their agent, being labeled a high risk driver and even delays in paying claims. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

Budget-conscious 2008 Dodge Ram Pickup 2500 insurance is attainable online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide online price quotes and these small, regional companies work with independent agents.

Even more information is located at these sites: