Cheap 1998 Dodge Ram Pickup 2500 Insurance Rates

Looking for the cheapest insurance rates for your Dodge Ram Pickup 2500? Sick and tired of scraping the payment together to pay your car insurance bill each month? You are in the same boat as many other drivers.

You have so many car insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more challenging to adequately compare rates.

Consumers should take time to compare rates yearly since insurance rates fluctuate regularly. Despite the fact that you may have had the best deal for Ram pickup insurance a year ago you will most likely find a better rate today. Forget all the misinformation about insurance because we’re going to demonstrate how to use online quotes to buy cheaper insurance.

This article will tell you how to get online quotes. If you have car insurance now, you will be able to save some money using these methods. Nevertheless, vehicle owners do need to learn how big insurance companies price online insurance and take advantage of how the system works.

Get lower rates on Dodge Ram Pickup 2500 insurance

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but some must be specifically requested before you will receive the discount.

  • Claim Free – Good drivers with no accidents pay much less when compared to frequent claim filers.
  • Low Mileage – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for Ram pickup insurance with select insurance companies.
  • Safety Course Discount – Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Homeowners Savings – Owning a house can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for Ram pickup insurance than drivers with accidents.

Keep in mind that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren’t that generous. But all discounts will bring down the amount you have to pay.

Insurance companies who might offer these discounts include:

It’s a good idea to ask each insurance company which discounts they offer. Discounts might not apply in your area.

How to Compare Insurance Costs

The are a couple different ways of comparing price quotes from local insurance companies. The easiest way to find the cheapest 1998 Dodge Ram Pickup 2500 insurance rates consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.

  1. The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This method keeps you from doing separate quote forms for each company you want a rate for. One form submission gets you coverage quotes from many national carriers.
  2. A less efficient way to find lower rates is to take the time to go to the website for every company you want to comare and fill out their own quote form. For example, let’s say you want to compare rates from GEICO, Esurance and American Family. To get each rate you have to go to every website to enter your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just compare identical quote information with every price quote. If you enter unequal deductibles or liability limits you will not be able to decipher which rate is best. Having just a slight variation in limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps locate a better price.

Why your Dodge Ram Pickup 2500 insurance rates may be high

It’s important that you understand the rating factors that play a part in calculating your car insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in lower car insurance prices.

Shown below are a partial list of the pieces companies use to determine premiums.

  • Extra add-on coverages are wasting money – There are quite a few extra bells and whistles you can purchase on your car insurance policy. Insurance for vanishing deductibles, better glass coverage and term life insurance are some examples. They may seem good when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Equipment add-ons that lower car insurance rates – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Claim-free discounts can add up – If you frequently file small claims, you can look forward to higher rates. Insurance companies give cheaper rates to policyholders who are claim-free. Insurance coverage is intended for larger claims.
  • Younger drivers pay higher rates – Mature drivers are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers are known to be careless and easily distracted in a vehicle and because of this, their car insurance rates are much higher.
  • Multi-policy discounts can save money – Some car insurance companies provide better rates to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to confirm you are receiving the best rates possible. Drivers may still find a better deal by insuring with multiple companies.
  • Do you know your deductibles? – Physical damage deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a building, vandalism, or theft. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance for Ram pickup insurance.
  • Males pay more for insurance – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Both sexes have accidents in similar numbers, but the males cause more damage. They also have more aggressive citations such as reckless driving. Young males tend to get in the most accidents and are penalized with high car insurance rates.
  • Safe vehicles cost less to insure – Vehicles with good safety scores tend to have better insurance rates. These vehicles reduce injuries and any reduction in injury severity means lower claim amounts and thus lower rates. If your Dodge Ram Pickup 2500 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions can aid in determining if you might need an agent’s assistance.

  • What is an SR-22 filing?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does car insurance cover theft of personal property?
  • What can I do if my company won’t pay a claim?
  • Does having multiple vehicles earn me a discount?
  • Is a fancy paint job covered?
  • Can my teen drive my company car?
  • Is my 1998 Dodge Ram Pickup 2500 covered for smoke damage?
  • How much can I save by bundling my policies?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverage specifics

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. These are the usual coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Ram Pickup 2500.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses such as dental work, X-ray expenses and surgery. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage resulting 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.

Collision coverage protects against claims such as crashing into a building, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, fire damage, rock chips in glass, hail damage and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like repair costs for stationary objects, medical expenses, bail bonds and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Save your cold hard cash

We covered a lot of ways to reduce 1998 Dodge Ram Pickup 2500 insurance prices online. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may even discover the lowest rates come from the smaller companies. Regional companies often have lower prices on specific markets as compared to the big name companies such as State Farm and Allstate.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at a price you can afford.

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