Compare 2003 Dodge Ram Pickup 2500 Car Insurance Quotes

Looking for cheaper car insurance rates for your Dodge Ram Pickup 2500? I can’t think of anyone who cherishes buying car insurance, particularly when they are paying too much.

You have so many auto insurance companies to pick from, and even though it’s nice to be able to choose, too many choices makes it more difficult to compare rates.

You should take the time to compare rates yearly due to the fact that insurance rates fluctuate regularly. Just because you found the lowest rates on Ram pickup coverage last year a different company probably has better rates today. Forget all the misinformation about car insurance because we’re going to demonstrate one of the easiest ways to lower your rates without sacrificing coverage.

Choosing the best insurance company for you is quite easy. Essentially anyone who has to buy insurance coverage should be able to find better rates. But drivers must learn the way insurance companies determine prices and take advantage of how the system works.

Free Quotes for Insurance

To find the best insurance prices, there are several ways to compare quotes from local insurance companies. The simplest method to compare 2003 Dodge Ram Pickup 2500 insurance prices consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

Probably the best way to get quotes is an all-inclusive rate comparison click here to open form in new window. This form saves time by eliminating separate quote forms to each individual insurance company. One simple form will get you price quotes from all major companies.
A more time consuming way to compare rate quotes is to take the time to go to each company website and complete a new quote form. For sake of this example, we’ll pretend you want rates from Auto-Owners, State Farm and Allstate. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.
For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using exactly the same quote information for each comparison quote. If you use different deductibles it will be impossible to make a fair comparison for your Dodge Ram Pickup 2500. Slightly different insurance coverages may cause a big price difference. And when comparison shopping, comparing more company’s prices gives you a better chance of getting a lower rate.

Verify you’re getting all your discounts

Car insurance companies do not list all available discounts in a way that’s easy to find, so we researched some of the best known and the more hidden discounts you could be receiving.

Lower Rates for Military – Having a deployed family member could mean lower rates.
Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
Homeowners Discount – Simply owning a home can save you money because owning a home demonstrates responsibility.
Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
Anti-theft Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
No Claims – Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
Bundle and Save – When you have multiple policies with one insurance company you may save at least 10% off all policies.
Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on Ram pickup coverage.

It’s important to understand that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

A partial list of companies that possibly offer these discounts include:

It’s a good idea to ask each company how you can save money. Discounts might not apply in every state.

When should I talk to an agent?

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out whether you may require specific advice.

Can I pay claims out-of-pocket if I buy high deductibles?
Is my 2003 Dodge Ram Pickup 2500 covered for flood damage?
How much liability do I need to cover my assets?
Am I covered if I drive in a foreign country?
Should I carry comprehensive and collision coverage?
Why is insurance for a teen driver so high?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Coverage specifics

Understanding the coverages of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Pickup 2500.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses like chiropractic care, rehabilitation expenses and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This coverage covers damage to your Ram Pickup 2500 from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a ditch, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, theft and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

This can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as attorney fees, pain and suffering, structural damage and loss of income. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.