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Dodge Ram Pickup 2500 Insurance Cost

You have lots of choices when finding cheaper insurance coverage on your Dodge vehicle. You can buy direct from your neighborhood insurance agent or go online to check prices from car insurance companies. Shopping for auto insurance from online rate quotes can be fast and easy and at the same time you will probably save money.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of online auto insurance companies and websites competing for your business. Finding cheaper coverage prices doesn't have to be difficult. All you need to do is take the time comparing rates provided by online insurance companies. This is very easy and can be done by completing this short form.

Which factors influence your insurance rates?

Insurance rates for your Dodge Ram Pickup 2500 can vary widely depending on several factors. Taken into consideration are:

  • Higher performance Ram Pickup 2500 vehicles cost more
  • Any accidents you may have
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Special coverage such as replacement cost
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you rent or own your home

One last important factor that will help determine the rate you pay on your Dodge is the year of manufacture. New vehicles have a higher replacement value so the cost to replace them can inflate annual premiums. Conversely, more recent Dodge vehicles may have options such as active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors which can give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Ram Pickup 2500 from available model years below.

Liability insurance

This coverage will cover damages or injuries you inflict on other's property or people by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your Dodge resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Ram Pickup 2500 Insurance Rates?