2010 Dodge Ram Pickup 1500 Insurance Quotes – 7 Discounts for Cheapest Rates

If you are a novice to online car insurance shopping, you may be overwhelmed by the large number of companies offering insurance.

Consumers should take time to do rate comparisons periodically since insurance rates are rarely the same from one policy term to another. If you had the best price for Ram pickup coverage a couple years back you will most likely find a better rate today. Block out anything you think you know about car insurance because we’re going to demonstrate how to use the internet to find the best coverage while lowering your premiums.

The easiest way to compare policy rates is to understand most of the larger companies participate in a system to compare rate quotes. The one thing you need to do is give the companies some data including the ages of drivers, distance driven, if the vehicle is leased, and your general credit rating. Your details gets sent immediately to many highly-rated insurers and they return cost estimate very quickly.

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

Take advantage of discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Some discounts apply automatically when you complete an application, but some may not be applied and must be requested specifically before being credited.

  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Homeowners Pay Less – Owning a house can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Club Memberships – Participating in a qualifying organization may earn a discount on auto insurance for Ram pickup coverage.

Drivers should understand that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free auto insurance policy, it doesn’t quite work that way. Any amount of discount will reduce your premiums.

For a list of providers with the best auto insurance discounts, click this link.

How to know if you need help

When it comes to choosing the right insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • When do I need to add a new car to my policy?
  • What is roadside assistance coverage?
  • Does my insurance cover my expensive audio equipment?
  • What happens if I owe more than my 2010 Dodge Ram Pickup 1500 is worth?
  • Am I covered when driving a rental car?
  • Are my friends covered when driving my car?
  • Do I need replacement cost coverage on my 2010 Dodge Ram Pickup 1500?
  • Can I rent a car in Mexico?
  • What can I do if my company denied a claim?
  • I have a DUI can I still get coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Are insurance companies telling the truth?

Insurance companies such as State Farm and Allstate continually stream ads in print and on television. They all seem to make the same claim about savings after switching to them. But how can every company say the same thing? This is how they do it.

Insurance companies can use profiling for the driver they prefer to insure. A good example of a profitable customer might be profiled as a mature driver, has no prior claims, and has a short commute. Any new insured who matches those parameters receives the best rates and as a result will probably cut their rates substantially.

Potential insureds who don’t meet the requirements will be charged a more expensive rate and this can result in business not being written. The ads state “customers who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can state the savings.

That is why it is so important to quote coverage with many companies. It is impossible to predict the company that will have the lowest Dodge Ram Pickup 1500 insurance rates.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sustaining damage from a pot hole, colliding with a tree, rolling your car and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2010 Dodge Ram Pickup 1500.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance – This protects you from damage or injury you incur to people or other property by causing an accident. 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 liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like funeral expenses, loss of income and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, vandalism, theft and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like prosthetic devices, ambulance fees, funeral costs and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

More effort can pay off

As you restructure your insurance plan, do not buy poor coverage just to save money. There are many occasions where consumers will sacrifice liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at the best price, not the least amount of coverage.

Drivers change insurance companies for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, delays in responding to claim requests or high prices. Regardless of your reason, finding a great new company is actually quite simple.

Lower-priced 2010 Dodge Ram Pickup 1500 insurance can be purchased online and with local insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Additional information is located below: