Cheap 1997 Dodge Ram Pickup 1500 Car Insurance Cost

Finding cheap rates on Driverscar insurance is slightly frustrating for beginners to quoting and comparing prices online. Drivers have so many options that it can easily become a real challenge to find the lowest price.

It is always a good idea to check car insurance prices every six months since insurance prices fluctuate regularly. Even if you think you had the best price for Ram pickup insurance a couple years back a different company probably has better rates today. You’ll find a ton of advice on car insurance on the internet, but you can learn some excellent ideas to stop overpaying for insurance.

How much is auto insurance?

To find low cost insurance quotes, there are several ways to compare quotes from different insurance companies. One of the best ways to do a complete rate comparison consists of obtaining rate quotes online. It is quite easy and can be accomplished in a couple of different ways.

1. Hands down the most simple method to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This style of form keeps you from doing separate quote forms for every auto insurance company. One form will get you rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.
2. A more time consuming way to compare prices requires visiting each company’s website and complete a new quote form. For example, we’ll assume you want to compare rates from Farmers, Esurance and Progressive. To find out each rate you need to navigate to each company’s site and punch in your information repeatedly, 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 do your best to enter the exact same coverage data for each price quote. If each company quotes different liability limits it will be next to impossible to determine the best price for your Dodge Ram Pickup 1500. Just slight variations in coverages may result in a large different in cost. And when comparison shopping, making a lot of price comparisons helps improve the odds of finding a lower rate. Some regional insurers cannot provide quotes online, so you need to compare price estimates on coverage from those companies, too.

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How car insurance companies calculate Dodge Ram Pickup 1500 insurance prices

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that play a part in calculating auto insurance rates. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that can help you get lower rates.

The factors shown below are some of the major factors used by companies to determine premiums.

• How credit rating affects auto insurance costs – A driver’s credit rating is likely to be a major factor in calculating your auto insurance rates. Insureds that have excellent credit tend to be better risks to insure as compared to drivers with lower ratings. If your credit rating is not that good, you could be paying less to insure your 1997 Dodge Ram Pickup 1500 if you improve your credit rating.
• Save money with alarm systems – Selecting a car model with an alarm system can save you some money. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your vehicle from being stolen.
• If you don’t need it don’t buy it – Insurance companies have many extra coverages you can purchase on your Ram Pickup 1500 policy. Coverages for vanishing deductibles, better glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. They may seem good when you first buy your policy, but if they’re wasting money think about removing them and cutting costs.
• Is you vocation costing you more? – Occupations like judgesairline pilots and stock brokers are shown to have higher rates than average in part from stressful work requirements and incredibly demanding work hours. Other jobs like actors, students and performers pay the least for Ram pickup insurance.

You may qualify for discounts

Some insurance providers don’t list the entire discount list very well, so here is a list both well-publicized and the more hidden credits available to lower your premiums when you buy insurance online.

• Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts can save 10% or more off the personal injury premium cost.
• Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life policy as well.
• Active Military Service – Being deployed in the military could trigger a small discount.
• Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
• Sign Early and Save – Some insurance companies provide a discount for renewing your policy prior to your current policy expiration. The savings is around 10%.
• New Vehicle Savings – Insuring a new car can save you some money compared to insuring an older model.
• ABS Brakes – Cars with ABS braking systems or traction control can avoid accidents and will save you 10% or more.

You can save money using discounts, but some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it appears it’s possible to get free car insurance, companies don’t profit that way. But all discounts will definitely lower the amount you pay for coverage.

A list of insurance companies and their possible discounts are detailed below.

• Farm Bureau includes discounts for youthful driver, driver training, renewal discount, multi-policy, and multi-vehicle.
• State Farm may offer discounts for Drive Safe & Save, multiple policy, student away at school, good driver, accident-free, safe vehicle, and good student.
• Progressive discounts include multi-vehicle, online quote discount, multi-policy, online signing, and homeowner.
• Allstate offers premium reductions for auto/life discount, early signing, eSmart discount, good payer, EZ pay plan discount, 55 and retired, and FullPay discount.
• Nationwide has discounts for business or organization, easy pay, anti-theft, family plan, Farm Bureau membership, accident-free, and multi-policy.
• MetLife offers discounts for defensive driver, accident-free, good student, claim-free, good driver, and multi-policy.

If you are trying to find the cheapest insurance quotes, ask all the companies which discounts you may be entitled to. Discounts may not be available in your area. To find insurance companies who offer online insurance quotes, click here.

There’s no such thing as the perfect insurance policy

When choosing the best insurance coverage, there really is not a best way to insure your cars. Each situation is unique.

For instance, these questions may help you determine if your situation would benefit from professional advice.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Should I buy more coverage than the required minimum liability coverage?
• What should my uninsured motorist coverage limits be in my state?
• Is motorclub coverage worth it?
• Does my 1997 Dodge Ram Pickup 1500 qualify for pleasure use?
• Do I need PIP (personal injury protection) coverage in my state?
• Where can I find high-risk insurance?
• Am I covered if I hit a deer?
• Are rental cars covered under my policy?
• Do I need replacement cost coverage on my 1997 Dodge Ram Pickup 1500?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

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Coverages available on your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, vandalism, a broken windshield, damage from getting keyed and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as dental work, rehabilitation expenses, funeral costs and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Ram Pickup 1500.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision protection

Collision coverage pays for damage to your Ram Pickup 1500 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability coverage

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

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like emergency aid, medical services, funeral expenses, court costs and attorney fees. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Summing up your car insurance search

Consumers leave their current company for many reasons like poor customer service, questionable increases in premium, delays in paying claims and even unfair underwriting practices. No matter why you want to switch, finding a great new company can be less work than you think.

When getting insurance quotes online, do not skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage at the best price while still protecting your assets.

Cheap 1997 Dodge Ram Pickup 1500 insurance can be found on the web and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some car insurance companies don’t offer rates over the internet and usually these regional insurance providers prefer to sell through independent agents.

Additional detailed information can be read in these articles:

• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• How Much are Phoenix Auto Insurance Rates for a Dodge Ram? (QuotePhoenix.com)
• Child Safety FAQ (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Booster Seat Ratings (iihs.org)

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