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Dodge RAM 250 Insurance Quotes

You have many choices when trying to find low-cost insurance for your Dodge vehicle. You can either buy through your neighborhood insurance agent or get quotes online to compare insurance costs of many different auto insurance companies. Buying auto insurance through online rate quotes saves time, is easy to do, in addition you will probably save money.

Shopping online for auto insurance can be complicated if you are a beginner to online rate quotes. But don't let that discourage you because there is an easy way to compare rates. Getting lower Dodge RAM 250 insurance cost can be surprisingly simple. The only thing you need to do is invest a little time comparing rates online from several insurance companies. This can be accomplished by getting a quick quote here.

Criteria which help determine Dodge RAM 250 insurance rates

Insurance rates for a Dodge RAM 250 will vary greatly and are calculated by many factors. A few of these criteria are:

  • High performance increases premiums
  • Your accident history
  • Multiple policies can save money
  • Use of your vehicle
  • Your age
  • Being married may save money
  • Optional coverages like vehicle replacement
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

One last important factor that helps determine the rate you pay on your Dodge is the year of manufacture. Models that are new cost more so the costs to repair will push premiums up. But newer models may have options including a backup camera, lane departure warning system, and traction control so those may help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your RAM 250 from the following list.

Auto liability

This protects you from injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision insurance pays for damage to your Dodge caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. Dodge RAM 250 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection when the "other guys" do not carry enough liability coverage. Since many drivers 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 very important.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills for things like ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.

How Much are Dodge RAM 250 Insurance Rates?