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Dodge Ramcharger Insurance Rates

Drivers have lots of options when insurance shopping for your Dodge vehicle. You can buy direct from an insurance agent or go online to check prices from multiple companies. Finding cheaper auto insurance online can be fast and easy, plus you may find lower rates.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of companies selling insurance. Cutting your Ramcharger insurance cost is not rocket science. Drivers just need to take a couple of minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by these factors

Insurance premiums on a Dodge Ramcharger can vary widely depending on several factors. Including but not limited to:

  • Higher performance Ramcharger vehicles cost more
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • No coverage lapses saves money
  • Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older Dodge models so the cost to replace them can inflate annual premiums. Conversely, newer models have more advanced features such as a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which can give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Ramcharger from the list below.

Liability coverage - This coverage protects you from damage or injury you incur to people or other property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy higher limits if possible.

Collision - This pays for damage to your Dodge resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Ramcharger can be pricey, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverage - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Med pay and PIP coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Ramcharger Insurance Rates?