1997 Dodge Ram Pickup 2500 Insurance Quotes

Looking for the cheapest insurance coverage rates for your Dodge Ram Pickup 2500? Finding lower premiums on insurance coverage can be hard for people who are new to buying insurance online. Consumers have so many options available that it can turn into a big hassle to compare prices.

Shopping for affordable coverage is quite easy. Just about every vehicle owner who shops for auto insurance will more than likely be able to find lower rates. Although car owners do need to learn the way insurance companies compete online and apply this information to your search.

Vehicle Insurance Comparison

When shopping for auto insurance there are multiple ways of comparing price quotes from local auto insurance companies. The recommended way to compare 1997 Dodge Ram Pickup 2500 insurance prices is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

1. The fastest way consumers can analyze rates is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do separate quotes for each company. Completing one form gets rate comparisons from all major companies. This is by far the quickest method.
2. A different way to shop for auto insurance online requires a visit to each company’s website to request a price quote. For example, we’ll pretend you want rates from Nationwide, Farmers and Allstate. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverages on every quote. If you are comparing different values for each quote it will be very difficult to decipher which rate is best. Having just a slight variation in coverage limits may cause a big price difference. And when quoting auto insurance, remember that more quotes provides better odds of finding a better price.

More discounts equal less premium

Car insurance is not cheap, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but some must be specially asked for before being credited.

• Military Rewards – Having a deployed family member may qualify for rate reductions.
• Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for Ram pickup insurance with a few insurance companies.
• Accident Free – Drivers with accident-free driving histories pay much less compared to frequent claim filers.
• Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
• Defensive Driving Course – Taking part in a driver safety course can save you 5% or more if you qualify.
• New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.
• Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save 5% or more.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
• Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.

Consumers should know that some credits don’t apply the the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you can get free auto insurance, insurance companies aren’t that generous. Any amount of discount will help reduce your premiums.

For a list of companies with the best insurance discounts, click this link.

It’s not one size fits all

When it comes to choosing coverage, there really is no best way to insure your cars. Every situation is different.

For instance, these questions might help in determining if your situation could use an agent’s help.

• Is borrowed equipment or tools covered if stolen or damaged?
• Where can I find DUI or SR-22 insurance?
• Which is better, split liability limits or combined limits?
• How many claims can I have before being cancelled?
• Do I have coverage if my license is suspended?
• What vehicles should carry emergency assistance coverage?
• Is my dog or cat covered if injured in an accident?
• Is my nanny covered when driving my vehicle?
• Do all my vehicles need collision coverage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage information

Understanding the coverages of a car insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverage protection

This will pay to fix damage to your Ram Pickup 2500 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, backing into a parked car, sustaining damage from a pot hole, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Auto liability

This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as court costs, legal defense fees, structural damage and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 1997 Dodge Ram Pickup 2500.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This 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 comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, rock chips in glass and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like hospital visits, dental work and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage