1994 Dodge Ram Pickup 2500 Car Insurance Rates

Locating the cheapest insurance for your Dodge Ram Pickup 2500 could be a lot of work, but you can use these tips to save time.

There is a better way to compare insurance coverage rates so you’re going to learn the absolute fastest way to price shop coverage for a Dodge and find the lowest price from local insurance agents and online providers.

Buying the best protection is easy if you know what you’re doing. If you have a current insurance policy or need a new policy, you can use these tips to find the best rates and possibly find even better coverage. Drivers just need to know the proper way to compare rates over the internet.

The cheapest insurance rate quotes

Lowering your 1994 Dodge Ram Pickup 2500 insurance rates can be surprisingly simple. All that’s required is to take the time comparing rate quotes to discover which company has inexpensive auto insurance quotes. This can be accomplished in just a few minutes using one of these methods.

The easiest and least time consuming way to get quotes would be an industry-wide quote request form like this one (opens in new window). This quick form saves time by eliminating separate forms to each individual insurance company. Taking the time to complete one form gets you coverage quotes from many national carriers. Recommended for those who want to invest the least amount of time.

A different way to compare rate quotes requires a visit to the website for every company you want to comare and get a separate price quote. For instance, let’s assume you want rates from Auto-Owners, Farmers and American Family. In order to get each rate, you would have to spend time on each company’s site to enter your coverage information, which can take a lot of time. To view a list of companies in your area, click here.

The approach you take is up to you, just ensure you are comparing identical coverages for each quote you get. If you have different liability limits it’s not possible to determine the lowest rate for your Dodge Ram Pickup 2500.

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Insurance coverage companies offer many types of discounts

Insurance coverage is expensive, but there are discounts available that can dramatically reduce your bill. Some trigger automatically when you purchase, but less common discounts must be specially asked for prior to getting the savings.

• Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive so you can save 10 percent or more.
• E-sign – A few larger online companies will discount your bill up to fifty bucks for signing up online.
• First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies allow you one accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
• Safety Restraint Discount – Requiring all passengers to buckle their seat belts can save a little off PIP or medical payments premium.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
• Own a Home and Save – Being a homeowner can save you money because it is proof that your finances are in order.
• Onboard Data Collection – Insureds that choose to allow driving data collection to track driving patterns remotely such as Progressive’s Snapshot may see discounts if they are good drivers.
• Federal Government Employee – Having worked for a branch of the government can earn a discount up to 10% on Ram pickup insurance with certain companies.
• Discount for Multiple Policies – If you can combine your home and auto policy and insure them with the same company you may earn as much as 10 to 15 percent.

Don’t be surprised that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, nobody gets a free ride.

Insurance companies who might offer some of the discounts shown above include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

If you are trying to find cheap auto insurance quotes, ask every insurance company which discounts you may be entitled to. Some discounts listed above might not be available to policyholders in your area. If you would like to view insurance companies that have a full spectrum of discounts, follow this link.

The Dodge Ram Pickup 2500 insurance price equation

Lots of factors are considered when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but other criteria are more obscure such as whether you are married or your financial responsibility.The best way to find cheaper insurance coverage is to take a look at the different types of things that go into determining the rates you pay for insurance coverage. If you know what influences your rates, this allows you to make good choices that can earn you much lower annual insurance costs.

• Rate your vehicle for proper use – The more miles you rack up on your Dodge in a year’s time the higher the price you pay to insure it. Many insurance companies calculate prices determined by how the vehicle is used. Cars and trucks that sit idle most of the time can be on a lower rate level than those that get driven frequently. A policy that improperly rates your Ram Pickup 2500 is just wasting money. Ask your agent if your insurance coverage policy is rated on the right rating data.
• Liability coverage limits on your policy – The liability section of your policy will provide protection if you are ruled to be at fault for damages caused by your negligence. Liability provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
• More traffic equals higher premiums – Having an address in areas with lower population has it’s advantages if you are looking for the lowest rates. Less people translates into fewer accident claims. People in densly populated areas tend to have much more traffic and more severe claims. Spending more time driving means more chance of being in an accident.
• Vehicle features impact premiums – Purchasing a vehicle with an alarm system can help lower your rates. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop vehicle theft.

Do I just need basic coverages?

When buying adequate coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your situation would benefit from professional advice.

• Is my camper covered by my car insurance policy?
• Do I need PIP coverage since I have good health insurance?
• Which companies will insure high-risk drivers?
• Is my state a no-fault state?
• What is the rate difference between pleasure use and commuting?
• How can I get high-risk coverage after a DUI?
• How can I force my company to pay a claim?
• Am I covered if I crash into my own garage door?
• Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

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Coverages available on your policy

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, vandalism, a broken windshield and damage from flooding. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, colliding with a tree, damaging your car on a curb, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability coverage – This can cover damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as funeral expenses, repair bills for other people’s vehicles, medical services, emergency aid and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments – Med pay and PIP coverage reimburse you for bills for things like ambulance fees, surgery, dental work, nursing services and pain medications. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1994 Dodge Ram Pickup 2500.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Best coverage at the best price

Insureds change insurance companies for any number of reasons including poor customer service, high rates after DUI convictions, not issuing a premium refund and delays in responding to claim requests. It doesn’t matter what your reason, switching insurance companies is less work than it seems.

Low-cost 1994 Dodge Ram Pickup 2500 insurance is possible from both online companies in addition to many insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. Some insurance providers may not have internet price quotes and most of the time these smaller companies work with independent agents.

When getting auto insurance quotes online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at the lowest possible cost while still protecting your assets.

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

• Distracted Driving Statistics (Insurance Information Insitute)
• Who Has Cheap Seattle Car Insurance Rates for a Dodge Ram? (SeattleCarInsuranceQuotes.com)
• Who Has Affordable Auto Insurance for a Dodge Ram in San Antonio? (SACoverage.com)
• Choosing an Insurance Company (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Cellphones, Texting and Driving (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)

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