How Much Does 2003 Dodge Ram Cargo Insurance Cost?

Want lower auto insurance rates for your Dodge Ram Cargo? Feeling guilty for buying overpriced auto insurance? It’s quite common and many consumers feel financially strained by their auto insurance policy.

Drivers have multiple auto insurance companies to choose from, and though it is a good thing to have multiple companies, it can be more difficult to find the best rates for your vehicles.

It is always a good idea to compare prices as often as possible because auto insurance prices are usually higher with each renewal. Even if you think you had the best deal for Ram Cargo insurance last year there may be better deals available now. Forget all the misinformation about auto insurance because it’s time to teach you the quickest way to find lower rates on auto insurance.

Get lower rates by getting discounts

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that can help lower your rates. Some discounts will apply when you quote, but some must be asked for in order for you to get them.

• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
• Government Employees – Having worked for a branch of the government can earn a discount up to 10% for Ram Cargo insurance with select insurance companies.
• Smart Student Discounts – Excelling in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
• Driver’s Ed – Teen drivers should participate in a local driver’s education class if it’s offered in school.
• E-sign – Many larger companies give back up to $50 for completing your application over the internet.
• Discount for Swiching Early – Some larger companies reward drivers for buying a policy prior to your current policy expiring. Ten percent is about the average savings.

You should keep in mind that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like you could get a free insurance policy, companies wouldn’t make money that way.

Companies that possibly offer these benefits include:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

If you need low cost car insurance quotes, ask every prospective company which discounts you qualify for. Some of the discounts discussed earlier may not apply everywhere. For a list of companies offering insurance discounts, click this link.

The fastest way that we advise to compare insurance rates in your area utilizes the fact auto insurance companies pay for the opportunity to provide you with free rate quotes. To start a quote, the only thing you need to do is give the companies some data such as whether you drive to work or school, your education level, daily mileage, and if the vehicle is leased. Your information is instantly sent to many highly-rated insurers and they return rate quotes very quickly.

To find the cheapest car insurance rates, click here and find out if you can get cheaper insurance.

Your auto insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions could help you determine if you would benefit from professional advice.

• What is no-fault insurance?
• Does insurance cover damages from a DUI accident?
• How much liability do I need to cover my assets?
• Do I benefit by insuring my home with the same company?
• Are rental cars covered under my policy?
• Why do I only qualify for high-risk insurance?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Detailed coverages of your auto insurance policy

Knowing the specifics of auto insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average auto insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Ram Cargo.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills such as nursing services, prosthetic devices, pain medications, X-ray expenses and chiropractic care. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as structural damage, court costs and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Auto collision coverage

This pays for damage to your Ram Cargo caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, hitting a parking meter, backing into a parked car, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, fire damage, rock chips in glass and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

The best insurance company isn’t always the cheapest

Cheap 2003 Dodge Ram Cargo insurance can be purchased from both online companies and from local insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance companies may not offer internet price quotes and most of the time these regional insurance providers only sell through independent agents.

As you prepare to switch companies, do not buy less coverage just to save a little money. In many cases, an insured cut liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.

More information

• Child Safety Seats (Insurance Information Insitute)
• What Auto Insurance is Cheapest for a Dodge Ram in Colorado Springs? (CSInsure.com)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• State Car Insurance Guides (Geico)
• Collision Coverage (Liberty Mutual)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)