Compare 2010 Dodge Ram Pickup 2500 Insurance Rates

Price shopping your car insurance is difficult for consumers new to shopping for insurance online. Drivers have so many options available that it can turn into a real challenge to find lower rates.

It’s important to compare rates yearly since rates trend upward over time. If you had the lowest rates on Ram pickup coverage a year ago a different company probably has better rates today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the only way to find the best coverage while lowering your premiums.

How to Buy Insurance Coverage Online

There are multiple methods to shop for 2010 Dodge Ram Pickup 2500 insurance coverage, but there is one way that is less time-consuming than others. You can spend countless hours driving to agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Many companies take part in a program that allows shoppers to submit one quote, and at least one company then returns a price quote based on that data. This prevents consumers from doing repetitive form submissions to each individual insurance coverage company.

To compare 2010 Dodge Ram Pickup 2500 rates now click to open in new window.

The one disadvantage to using this type of system is that consumers can’t choose which companies you will receive quotes from. So if you want to choose specific providers to request quotes from, we have assembled a list of insurance coverage companies in your area. Click to view list.

Whichever way you use, make darn sure you compare exactly the same information on every quote you get. If your comparisons have higher or lower deductibles you can’t possibly make a fair comparison for your Dodge Ram Pickup 2500. Slightly different coverages could mean much higher rates. And when comparison shopping, having more price comparisons gives you a better chance of getting the best offered rates.

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to make the same claim that you can save after switching to their company. How do they all make almost identical claims? It’s all in the numbers.

Different companies have a preferred profile for the type of customer that is profitable for them. An example of a preferred risk could be between 30 and 50, has no tickets, and drives less than 10,000 miles a year. Any driver who matches those parameters is entitled to the best price and is almost guaranteed to save a lot of money.

Potential insureds who do not match this ideal profile will be quoted a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “people who quote” save that much. That’s why insurance companies can make those claims.

This emphasizes why drivers must quote coverage with many companies. It’s not possible to predict which insurance companies will fit your personal profile best.

Don’t overlook these discounts

Properly insuring your vehicles can get expensive, but companies offer discounts to help bring down the price. A few discounts will automatically apply when you get a quote, but less common discounts must be inquired about before being credited.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on Ram pickup coverage with a few car insurance companies.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Ram pickup coverage than drivers with accidents.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will bring down your overall premium however.

To see a list of companies with discount car insurance rates, click here to view.

Is my situation unique?

When buying the best auto insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different.

These are some specific questions can help discover if your situation may require specific advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Will my rates increase for filing one claim?
  • Why do I only qualify for high-risk insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I pay less if my vehicle is kept in my garage?
  • What is roadside assistance coverage?
  • Why does it cost so much to insure a teen driver?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverage basics

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, vandalism and damage from flooding. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as funeral costs, chiropractic care and rehabilitation expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Liability auto insurance – This can cover damages or injuries you inflict on a person or their property. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, repair costs for stationary objects, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Summing up your insurance search

You just learned some good ideas how to shop for 2010 Dodge Ram Pickup 2500 insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising.

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where an accident victim reduced liability coverage limits only to find out that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Budget-conscious insurance can be sourced both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

Helpful information