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Dodge Ram 50 Pickup Insurance Rates

Drivers have lots of options when attempting to insure your Dodge vehicle. You can either contact an agent or go online to compare rates from companies. Finding cheaper car insurance by quoting online can be fast and easy, plus you can save money.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of companies offering insurance. There are several ways to compare rate quotes and find the best price. The fastest way to compare Ram 50 Pickup insurance quotes is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by these things

Car insurance premiums on a Dodge Ram 50 Pickup can be significantly different depending on several factors. Including but not limited to:

  • Higher performance Ram 50 Pickup vehicles cost more
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Add-on coverages such as rental reimbursement
  • Your occupation
  • Insurance coverage level
  • Home ownership saves money

An additional factor which can affect Ram 50 Pickup insurance rates is the year of the vehicle. Models that are a few years old have a lower value than newer models so the cost to replace them may result in lower rates. Although new Dodge models may have safety features included like adaptive headlights, anti-lock brakes, traction control, and a telematics system that may help lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Ram 50 Pickup from the list below.

Liability coverages

This coverage provides protection from damage or injury you incur to people or other property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your Ram 50 Pickup can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper Ram 50 Pickup insurance rates.

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Dodge Ram 50 Pickup Insurance Rates?