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Dodge RAM 150 Insurance Rates

Comparing car insurance by comparing rates online is simple to do, in addition you might just save a little. The critical component is to get rates from all companies in order to accurately compare the lowest priced insurance.

Using the web to shop for car insurance direct can be complicated if you have never used online quoting. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The best method to find the cheapest Dodge RAM 150 insurance cost involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine Dodge insurance rates

Auto insurance rates on a Dodge RAM 150 can fluctuate considerably subject to many criteria. A few of these criteria are:

  • Traffic citations increase rates
  • Credit rating impacts rates
  • Male drivers pay higher rates
  • The deductible you choose
  • NTSB crash rating for your vehicle
  • What you do for a living
  • The amount of protection requested
  • Owning a home can lower rates

A final factor that can impact Dodge RAM 150 insurance rates is the model year. Used vehicles have a much lower replacement value in comparison to older models so the cost to replace them can decrease annual premiums. But new Dodge models may have a trim level with safety features including anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights which may help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Auto liability insurance - Dodge RAM 150 liability coverage provides protection from injuries or damage you cause to people or other property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your Dodge RAM 150 can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance - This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your Dodge RAM 150 comprehensive insurance. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when the "other guys" either have no liability insurance or not enough. Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.

How Much are Dodge RAM 150 Insurance Rates?