Cheaper 2007 Dodge Ram Pickup 1500 Insurance Quotes

Buying insurance online can seem complicated if you are one of the many people who have never used online price comparisons. But don’t give up because using the internet to shop for insurance is actually quite easy.

Finding the best rates is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. But consumers should learn the methods companies use to sell insurance online.

Ways to get insurance quotes

Most of the larger companies like Progressive, Geico, Allstate and State Farm provide pricing on the web. Doing online price comparisons is quite simple as you simply type in the amount of coverage you want into a form. After you submit the form the quote system pulls reports for credit and driving violations and gives you a price quote based on these factors.

Being able to quote online streamlines rate comparisons, but the work required to visit many different websites and type in your information is a big time waster. But it is imperative to do this if you want to get a lower rate.

The quickest way to find lower prices makes use of a single form to return rates from many companies. The form is fast, eliminates repetitive work, and makes online price comparison much simpler. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any one of the price quotes you receive. If you find a better price you can click and sign and purchase the new policy. The entire process takes less than 15 minutes and you will know how your current rates stack up.

To use this form to compare rates, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you copy the insurance coverages as close as possible to your current policy. This way, you will be getting rate comparison quotes for similar coverage.

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Auto insurance advertisements

Auto insurance companies such as Progressive, Geico, Allstate and State Farm regularly use television and radio advertisements. All the companies seem to make the promise that drivers will save a bundle if you get a free car insurance quote and switch your policy. How does every company charge less that you’re paying now? Here is how they do it.

All companies quote their cheapest rates for the type of driver that earns them the most money. An example of a desirable risk should be between the ages of 30 and 45, has a clean driving record, and drives a car with an anti-theft system. Anybody that fits those parameters receive the lowest rate quotes and is almost guaranteed to save a lot if they switch.

Potential customers who fall short of these criteria will have to pay a higher rate which usually ends up with the customer buying from a different company. The wording the ads use say “people that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how insurance companies can advertise the way they do. This really drives home the point why you really need to get car insurance quotes from several different companies. Because you never know which insurance companies will have the best prices at this point in time.

Discounts for cheap insurance quotes

Buying insurance is not cheap, but discounts can save money and there are some available that can dramatically reduce your bill. A few discounts will automatically apply when you get a quote, but some may not be applied and must be specifically requested prior to receiving the credit.

• E-sign – Many insurance companies will provide an incentive get car insurance digitally online.
• Early Renewal Discounts – A few insurance companies give discounts for signing up early. The savings is around 10%.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off PIP or medical payments premium.
• Multiple Cars – Purchasing coverage when you have all your vehicles with the same insurance company can reduce rates for all insured vehicles.
• Life Insurance – Larger insurance carriers have better prices if you take out some life insurance too.
• Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% for Ram pickup insurance depending on your company.
• No Claim Discounts – Drivers who stay claim-free pay much less as opposed to insureds who have frequent claims or accidents.
• Defensive Driver – Passing a defensive driving course could earn you a small percentage discount depending on where you live.
• Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like you can get free auto insurance, you’re out of luck.

To choose insurance companies that offer discounts, click here.

You may need specialized auto insurance coverage

When buying the right insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might point out if your situation would benefit from an agent’s advice.

• Should I get collision insurance on every vehicle?
• Is my cargo covered for damage or theft?
• Can I afford to buy a different vehicle if my 2007 Dodge Ram Pickup 1500 is totaled?
• Exactly who is provided coverage by my policy?
• Should I drop comprehensive coverage on older vehicles?
• Why is insurance for a teen driver so high?
• Am I covered when driving someone else’s vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

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What insurance coverages do you need?

Having a good grasp of insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, rock chips in glass, a tree branch falling on your vehicle, vandalism and a broken windshield. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 1500.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

Collision coverage pays for damage to your Ram Pickup 1500 resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with a tree, crashing into a ditch, sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for surgery, chiropractic care and dental work. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance

This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as legal defense fees, medical services, court costs and structural damage. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Power to the consumer

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. In too many instances, someone dropped liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at the best possible price.

In this article, we presented quite a bit of information on how to shop for 2007 Dodge Ram Pickup 1500 insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from a lesser-known regional company.

Cheaper auto insurance can be found online as well as from independent agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not offer rates over the internet and these regional insurance providers only sell coverage through local independent agents.

Even more information is located at these sites:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Who Has Cheap Portland Auto Insurance Rates for a Dodge Ram? (PortlandInsure.com)
• Where can I buy Insurance? (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)

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