Save on 1998 Dodge Ram Pickup 2500 Car Insurance Cost

Buyers have options when searching for affordable Dodge Ram Pickup 2500 insurance. They can either spend hours driving around getting price quotes or leverage the internet to compare rates. There is a better way to buy insurance coverage so we’re going to tell you the absolute fastest way to get price quotes on a Dodge and get the lowest price from local insurance agents and online providers.

Finding the best rates is quite easy. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Consumers only need to know the proper methods to get comparison quotes on the web.

Cheaper rates by taking advantage of discounts

Buying insurance is not cheap, but there could be available discounts that you may not even know about. Certain discounts will be triggered automatically at the time of purchase, but occassionally some discounts must be inquired about before being credited. If they aren’t giving you every credit available, you could be getting lower rates.

• Senior Citizen Rates – Mature drivers could receive a small decrease in premiums for Ram pickup coverage.
• Switch and Save Discount – Some companies provide a discount for buying a policy prior to the expiration date on your current policy. The savings is around 10%.
• Early Payment Discounts – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
• Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles with the same company may reduce the rate for each vehicle.
• New Vehicle Savings – Buying a new car model is cheaper since new vehicles have better safety ratings.
• Good Student – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.

As a footnote on discounts, most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Some of the insurance companies that possibly offer these money-saving discounts possibly include:

• State Farm
• Geico
• SAFECO
• Farmers Insurance
• AAA
• USAA

If you want cheaper insurance coverage quotes, ask all companies you are considering to give you their best rates. Some discounts might not be offered on policies in your area.

How much insurance coverage do I need?

When buying adequate coverage, there is no perfect coverage plan. Each situation is unique.

Here are some questions about coverages that could help you determine if your situation might need professional guidance.

• Do I really need UM/UIM coverage?
• Should I carry comprehensive and collision coverage?
• Am I getting all the discounts available?
• Will my insurance pay for OEM parts?
• Is my dog or cat covered if injured in an accident?
• Do I need higher collision deductibles?
• Does insurance cover tools stolen from my truck?
• Does my insurance cover my expensive audio equipment?
• Am I better off with higher deductibles on my 1998 Dodge Ram Pickup 2500?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages 101

Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills for things like pain medications, hospital visits, nursing services and doctor visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, falling objects, damage from getting keyed, rock chips in glass and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability

Liability insurance protects you from damage or injury you incur to a person or their property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like repair costs for stationary objects, emergency aid, attorney fees, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Feed the piggy bank

Low-cost 1998 Dodge Ram Pickup 2500 insurance can be found online as well as from independent agents, so you should compare both to have the best selection. Some companies may not offer price quotes online and most of the time these regional carriers prefer to sell through independent insurance agencies.

In this article, we presented some good ideas how you can shop for 1998 Dodge Ram Pickup 2500 insurance online. The key concept to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may even discover the most savings is with a small local company.

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, being labeled a high risk driver or lack of trust in their agent. Regardless of your reason, finding a new company can be easier than you think.

More tips and info about insurance can be read in these articles:

• A Tree Fell on Your Car: Now What? (Allstate)
• Determing Auto Insurance Rates (Geico)
• Parking Tips to Reduce Door Dings (State Farm)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)