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Dodge Ram Pickup 1500 Insurance Quotes

Drivers have lots of options when looking for the best insurance on your Dodge vehicle. You can get prices from an insurance agent or get quotes online to check prices from companies. Buying car insurance by quoting online saves time, is easy to do, plus you may find lower rates.

Shopping online for car insurance can be difficult if you are a beginner to online rate quotes. But relax because we're going to show you how. The are a couple different ways of comparing rates from local car insurance companies. The best way to find competitive Ram Pickup 1500 insurance cost is to get quotes online. This can be done by completing this short form.

Rates are impacted by the following

Insurance premiums paid to insure a Dodge Ram Pickup 1500 will vary greatly and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • Your accident history
  • Multiple policies can save money
  • How you use your vehicle
  • Add-on coverages such as rental reimbursement
  • Your job
  • Your coverage level
  • Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Older models have a lower value compared to new Dodge models so the costs to repair may end up costing you less. On the flip side, newer vehicles have more advanced features like dual-stage airbags, sideview assist mirrors, and active head restraints so those may give discounted rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Ram Pickup 1500 from the list below.

Liability coverages

This can cover damage or injury you incur to a person or their property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Collision coverage protection

Collision insurance covers damage to your Dodge from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to get cheaper Ram Pickup 1500 insurance quotes.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Ram Pickup 1500 Insurance Rates?