Cheap 1996 Dodge Ram Pickup 2500 Car Insurance Rates

Want lower car insurance rates for your Dodge Ram Pickup 2500? Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say there are many people just like you. Many insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurer and get the definite best rate

If you have a policy now or are shopping for new coverage, you can use these tips to find better prices while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Consumers only need an understanding of the most efficient way to compare company rates online.

Comprehensive Insurance Comparison

Reducing your 1996 Dodge Ram Pickup 2500 insurance rates doesn’t have to be difficult. You just have to take the time to get quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

  1. The best way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do separate quote forms for each company. A single form will return quotes direct from many companies.
  2. A slightly less efficient method to compare prices is going to the website for each individual company and fill out their own quote form. For examples sake, let’s assume you want to compare Auto-Owners, Farmers and Liberty Mutual. To find out each rate you need to visit each site to input your insurance information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make darn sure you compare the exact same coverage limits and deductibles with each company. If each company quotes different deductibles then you won’t be able to determine which rate is truly the best.

Elements that influence Dodge Ram Pickup 2500 insurance rates

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for insurance coverage. Understanding what determines base rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Traffic citations inflate rates – Your driving record has a big impact on rates. Even a single citation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers who get flagrant violations like DUI or reckless driving may be required to file a SR-22 with the DMV in their state in order to keep their license.
  • Lower miles equals lower premium – The more miles you rack up on your Dodge every year the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your insurance coverage policy properly reflects how each vehicle is driven, because it can save money. Incorrect usage on your Ram Pickup 2500 can cost quite a bit.
  • Always keep insurance in force – Driving your car without having proper coverage is illegal and insurance coverage companies will penalize you for letting your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance may earn you a revoked license or a big fine.
  • Do you need the policy add-ons? – There are many additional coverages that you can buy if you aren’t careful. Things like rental car reimbursement, towing coverage and membership fees may be wasting your money. These coverages may sound good when talking to your agent, but your needs may have changed so remove them from your policy.
  • Do you qualify for a multi-policy discount? – The majority of companies provide better rates to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to make sure you are getting the best deal. Consumers may find a better deal by buying insurance from more than one company.

Cut your auto insurance rates with discounts

Companies that sell car insurance don’t list all available discounts very clearly, so we took the time to find both well-publicized and the harder-to-find auto insurance savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
  • Defensive Driver – Taking a driver safety course can save you 5% or more if your company offers it.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for Ram pickup insurance than drivers with accidents.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, you’re out of luck.

Car insurance companies that possibly offer these benefits may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Discounts may not apply in every state.

You are unique and your car insurance should be too

When choosing the best car insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might point out if your insurance needs may require specific advice.

  • Can I afford to buy a different vehicle if my 1996 Dodge Ram Pickup 2500 is totaled?
  • I don’t drive much so do I pay less?
  • Why am I required to buy liability insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How can I find cheaper teen driver insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is the difference between comprehensive and collision coverage?
  • When should I drop full coverage on my 1996 Dodge Ram Pickup 2500?
  • Am I covered when pulling a rental trailer?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages and their meanings

Having a good grasp of insurance can be of help when determining the best coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, hail damage, hitting a bird, fire damage and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for EMT expenses, X-ray expenses and nursing services. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability – This coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like medical services, repair costs for stationary objects, bail bonds and attorney fees. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Dodge Ram Pickup 2500.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Be a smart shopper

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There have been many situations where consumers will sacrifice liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at an affordable rate.

The cheapest 1996 Dodge Ram Pickup 2500 insurance can be sourced online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.

Much more information about insurance is located at the links below