How Much Does 2009 Dodge Ram Pickup 1500 Insurance Cost?

Searching for low-cost insurance for a new or used Dodge Ram Pickup 1500 can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to find insurance online so we’re going to tell you the absolute fastest way to compare rates for a Dodge and locate the cheapest rates either online or from local insurance agents.

If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to reduce the price you pay and still get good coverage. Buying more affordable protection can be fairly easy. Drivers just need to understand the most efficient way to compare prices over the internet.

How insurance providers determine Dodge Ram Pickup 1500 insurance premiums

Many things are part of the calculation when you get a price on insurance. Most are fairly basic like an MVR report, although others are not as apparent such as your marital status and annual miles driven.

• Your career may increase premiums – Did you know your occupation can influence how much you pay for insurance? Jobs such as lawyersair traffic controllers and financial analysts are shown to have higher rates than average due to job stress and lengthy work days. Other jobs like professors, students and the unemployed have the lowest average rates on Ram pickup coverage.
• Your location is a factor – Choosing to live in a rural area can be a good thing when buying insurance. City drivers have to deal with more traffic problems and a longer drive to work. Less people living in that area means less chance of accidents.
• Never let your insurance lapse – Letting your insurance expire can be a quick way to trigger a rate increase. And not only will insurance be more expensive, being ticketed for driving with no insurance could result in a hefty fine and possibly a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.
• Costs increase with policy add-ons – There are a ton of add-on coverages that you can buy if you aren’t diligent. Coverages like personal injury protection, accident forgiveness, and extra equipment coverage are some examples. They may sound like good ideas initially, but if you have no use for them remove them and pocket the money.

The quickest way to compare rate quotes is to know the trick most larger insurance companies participate in online systems to quote your coverage. The one thing you need to do is provide information like which vehicles you own, whether you are single or married, if a SR-22 is needed, and whether you have decent credit. That information is automatically sent to multiple top-rated companies and you will get price comparisons almost instantly.

If you would like to start a quote now, click here and see if a lower rate is available.

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Insurance rates and discounts

Some companies don’t necessarily list the complete list of policy discounts in an easy-to-find place, so we researched a few of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance online.

• Accident Waiver – This one isn’t a discount, but companies like Allstate, Progressive, and Geico will turn a blind eye to one accident without getting socked with a rate hike as long as you don’t have any claims before the accident.
• Driver Training Discounts – Taking part in a class that teaches defensive driver techniques could save 5% or more if you qualify.
• Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance quote.
• Life Insurance – Select insurance carriers reward you with a break if you buy life insurance.
• Multi-policy Discount – If you combine your homeowners and auto policies with one company you could earn a discount of nearly 15% which can help you find cheap insurance.
• Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their insurance quote on Ram pickup coverage compared to rates paid by drivers with frequent claims.
• Switch and Save Discount – Select insurance companies give a discount for signing up before your current expiration date. You could save around 10% when you buy insurance online.
• Good Student Discount – Performing well in school can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
• College Student – who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.
• Employee of Federal Government – Simply working for the federal government may qualify for a discount when you quote insurance on Ram pickup coverage with certain companies.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think all those discounts means the company will pay you, it doesn’t quite work that way.

A list of insurance companies and a selection of discounts are shown below.

• Progressive includes discounts for multi-policy, multi-vehicle, continuous coverage, online quote discount, and online signing.
• The Hartford offers premium reductions for good student, anti-theft, defensive driver, driver training, bundle, air bag, and vehicle fuel type.
• Mercury Insurance has savings for good student, annual mileage, good driver, multi-car, professional/association, and anti-theft.
• Geico offers discounts for five-year accident-free, seat belt use, good student, multi-vehicle, anti-lock brakes, multi-policy, and military active duty.
• AAA has discounts for anti-theft, good student, pay-in-full, multi-car, and AAA membership discount.
• State Farm may have discounts that include good driver, multiple autos, passive restraint, accident-free, defensive driving training, and multiple policy.

Before purchasing a policy, check with all companies you are considering to give you their best rates. Some of the discounts discussed earlier may not apply to policies in your area.

Situations that may require an agent’s advice

When buying coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your insurance needs could use an agent’s help.

• Does my liability insurance cover pulling a trailer or camper?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• How can I get high-risk coverage after a DUI?
• Does my medical payments coverage pay my health insurance deductible?
• Am I covered when pulling a rental trailer?
• Am I covered when driving a rental car?
• Do I pay less for low miles?
• Can I drive in Mexico and have coverage?
• Will my insurance pay for OEM parts?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Auto insurance specifics

Having a good grasp of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and vandalism. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for bills for things like EMT expenses, funeral costs and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 1500.

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 a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability insurance

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, funeral expenses, repair bills for other people’s vehicles, bail bonds and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Collision protection

Collision insurance will pay to fix damage to your Ram Pickup 1500 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, rolling your car, colliding with a tree, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

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One last thing

Budget-conscious 2009 Dodge Ram Pickup 1500 insurance is attainable both online in addition to local insurance agencies, so get free insurance quotes from both of them to have the best selection. Some companies do not offer rate quotes online and many times these regional carriers provide coverage only through independent insurance agents.

When getting insurance quotes online, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to find out that it was a big mistake. The aim is to get the best coverage possible for the lowest cost.

You just read a lot of tips how to compare 2009 Dodge Ram Pickup 1500 insurance prices online. The key concept to understand is the more providers you compare, the better your comparison will be. You may even discover the biggest savings come from a small mutual company.

Much more information about insurance coverage can be found at these links:

• Auto Insurance Learning Center (State Farm)
• What Insurance is Cheapest for a Dodge Ram in Albuquerque? (InsureABQ.com)
• Who Has the Cheapest Bakersfield Auto Insurance for a Dodge Ram? (BakersfieldInsure.com)
• A Tree Fell on Your Car: Now What? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)

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