Lower Your 1999 Dodge Ram Pickup 2500 Insurance Quotes

No sane person rejoices having to buy auto insurance, especially when they are aware that they could find better rates elsewhere.

Multiple car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the lowest cost out there.

If you have car insurance now, you should be able to lower your premiums substantially using these tips. Buying car insurance is quite easy. But consumers do need to know how insurance companies price online insurance because it can help you find the best coverage.

Get cheap insurance coverage with these tips

It’s important that you understand some of the elements that help determine your insurance coverage rates. If you understand what determines base rates, this allows you to make educated decisions that can earn you lower rates. Lots of factors are considered when quoting car insurance. Some are obvious such as traffic violations, but other criteria are more obscure like where you live or how financially stable you are.

Listed below are some of the factors used by your company to calculate your rates.

• Job stress can make you pay more – Occupations such as lawyers, architects and dentists generally have higher rates than average because of high stress levels and incredibly demanding work hours. Conversely, careers like actors, engineers and performers get better rates for Ram pickup coverage.
• Extra coverages that may not be needed – Policies have additional coverages you can purchase if you don’t pay attention. Add-on coverages like rental car coverage, towing coverage, and membership fees are probably not needed. The coverages may be enticing at first, but your money might be better spent on other coverage so get rid of them and save.
• Cheaper rates by bundling – Some companies will give discounts for people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, you still need to compare other insurance prices to confirm you are receiving the best rates possible. You may still find better rates by buying from different companies
• Don’t abuse insurance claims – If you file claims often, you can definitely plan on increased rates or even have your policy non-renewed. Companies provide the best rates to people that do not abuse their auto insurance. Auto insurance is intended to be relied upon for claims that pose a financial burden.

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First Step: Get free insurance quotes

There are multiple methods to shop for insurance, but some are less time-consuming than others. You could waste time talking about coverages with insurance companies in your area, or you could use the internet to quickly compare rates.

Most car insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and every company returns a competitive quote for coverage. This prevents consumers from doing quotation requests to each individual insurance company.

To participate in this free quote system, click to open in new window.

The one downside to using this type of form is that consumers can’t choose the providers to receive prices from. So if you want to select specific insurance companies to compare, we have assembled a list of insurance companies in your area. View list of insurance companies.

Whichever way you use, be sure to compare equivalent quote data for each quote you get. If your comparisons have different limits and deductibles on each one it will be impossible to determine which rate is truly the best. Just slight variations in insurance coverages or limits may result in a large different in cost. Keep in mind that comparing all the rates in your area helps locate the best price. Some smaller insurers to not give online rate quotes, so it’s recommended that you also compare price estimates from them as well.

Cheaper auto insurance quotes with discounts

Some insurance providers don’t always advertise every discount they offer in an easy-to-find place, so the next list breaks down a few of the more common as well as the least known ways to save on auto insurance.

• Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
• Federal Employees – Federal government employees could cut as much as 10% off for Ram pickup coverage depending on your auto insurance provider.
• Military Rewards – Having a family member in the military could trigger a small discount.
• Distant College Student Discount – Kids living away from home attending college and don’t have a car can receive lower rates.
• No Charge for an Accident – Not really a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual allow you one accident before they charge you more for coverage with the catch being you have to be claim-free for a certain period of time.
• Save over 55 – If you qualify as a senior citizen, you may be able to get better auto insurance rates for Ram pickup coverage.
• Professional Organizations – Being in certain professional organizations could trigger savings when shopping for auto insurance.
• Driver’s Education for Students – Require your teen driver to sucessfully take a drivers education course if it’s offered in school.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts should help lower your policy premiums.

Some companies that possibly offer many of the previously listed discounts may include but are not limited to:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

When quoting, ask every prospective company how many discounts you can get. Some discounts might not be offered everywhere. To locate providers who offer discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For example, these questions might help in determining whether or not you could use an agent’s help.

• What can I do if my company won’t pay a claim?
• Am I better off with higher deductibles on my 1999 Dodge Ram Pickup 2500?
• What is no-fault insurance?
• Which is better, split liability limits or combined limits?
• Should I rate my 1999 Dodge Ram Pickup 2500 as pleasure use or commute?
• Are there companies who specialize in insuring high-risk drivers?
• Does my medical payments coverage pay my health insurance deductible?
• Can I afford low physical damage deductibles?
• Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

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Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Coverage for collisions

This covers damage to your Ram Pickup 2500 resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 2500.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses for ambulance fees, chiropractic care, rehabilitation expenses, nursing services and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, loss of income, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive auto insurance

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, hitting a bird and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Make an honest buck

We just covered some good ideas how you can lower your 1999 Dodge Ram Pickup 2500 insurance prices. It’s most important to understand that the more price quotes you have, the better likelihood of getting inexpensive auto insurance. Consumers may even find the lowest priced car insurance comes from a small local company. They can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or Geico.

As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. Too many times, an accident victim reduced collision coverage and learned later that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at a price you can afford.

More learning opportunities

• Determing Auto Insurance Rates (Geico)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)

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