View 2003 Dodge Ram Pickup 1500 Insurance Quotes

Expensive car insurance can empty your checking account and require stricter spending habits. Shopping your coverage around is a smart way to lower your monthly bill.

Companies like Allstate and Progressive all claim big savings with ad campaigns and consumers find it hard to ignore the promise of big savings and find the best price available.

Discount insurance quotes

Some providers don’t necessarily list every discount they offer very well, so we took the time to find both the well known as well as the least known discounts that you can inquire about if you buy insurance online.

• Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts can save a little off the PIP or medical payment premium.
• No Charge for an Accident – Not really a discount, but companies like Allstate and Geico will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.
• Service Members Pay Less – Being on active duty in the military can result in better prices.
• Discount for Home Ownership – Being a homeowner can save a few bucks because maintaining a house is proof of financial responsibility.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
• Auto/Home Discount – If you combine your auto and homeowners policies with one company you could get a discount of at least 10 to 15 percent or more.
• Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Ram pickup coverage than drivers with accidents.
• Defensive Driver Discount – Taking time to complete a defensive driver course could cut 5% off your bill and also improve your driving technique.
• Passive Restraints and Air Bags – Factory air bags or motorized seat belts may qualify for discounts of 25 to 30%.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. Even though it appears all the discounts add up to a free policy, you’re out of luck.

The best insurance companies and their possible discounts can be found below.

• Progressive may offer discounts for homeowner, online quote discount, continuous coverage, multi-policy, and good student.
• Farmers Insurance policyholders can earn discounts including pay in full, mature driver, switch companies, teen driver, early shopping, multi-car, and homeowner.
• Farm Bureau includes discounts for multi-policy, driver training, multi-vehicle, 55 and retired, renewal discount, and youthful driver.
• State Farm discounts include multiple autos, driver’s education, passive restraint, anti-theft, Steer Clear safe driver discount, defensive driving training, and student away at school.
• Geico may have discounts that include air bags, anti-theft, military active duty, emergency military deployment, and daytime running lights.
• SAFECO offers discounts for drive less, anti-lock brakes, safe driver, multi-car, and homeowner.
• Liberty Mutual offers premium reductions for hybrid vehicle, preferred payment discount, multi-car, multi-policy, newly retired, newly married, and new move discount.

When getting a coverage quote, ask all companies you are considering which credits you are entitled to. Some discounts listed above might not apply in every state. For a list of insurance companies that offer discounts, follow this link.

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Affordable insurance price quotes online

Getting a cheaper price on 2003 Dodge Ram Pickup 1500 insurance is surprisingly easy. All you need to do is take the time comparing free insurance quotes online with multiple companies. Price comparisons can be done using one of these methods.

• One of the simplest ways to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This quick form keeps you from doing repetitive form submissions for each price estimate. One simple form will get you rate comparisons from multiple low-cost companies.
• Another way to compare prices is to take the time to go to the website for each individual company and complete a new quote form. For example, let’s assume you want to get rates from Progressive, Liberty Mutual and Allstate. To get each rate you have to navigate to each company’s site and enter your information, which is why the first method is more popular.

  For a list of links to insurance companies in your area, click here.

• The most difficult way to compare price estimates is to drive around to each insurance agency near you. The fact that you can get quotes online eliminates the need for an insurance agent unless you want the personal advice of a licensed agent. Although, it is possible comparison shop online but buy from a local insurance agent.

However you get your quotes, be sure to compare equivalent coverage limits with each company. If you compare different data it’s impossible to determine which company has the best rates.

Learn how to buy insurance more affordably

Smart consumers have a good feel for the factors that help calculate insurance rates. If you have a feel for what determines premiums, this allows you to make good choices that could help you find cheaper rates.

• Cheaper rates after marriage – Your spouse can get you a discount on your insurance bill. It demonstrates that you tend to be more stable financially and statistics prove married drivers get in fewer accidents.
• Lower premiums for vehicles with better crash test results – Cars with high safety ratings tend to be cheaper to insure. Vehicles built for safety reduce the chance of injuries and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If the Dodge Ram Pickup 1500 is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
• Tough job may mean higher insurance rates – Careers like judges, social workers and financial analysts usually pay higher premiums than the average policyholder in part from intense work situations and lengthy work days. Other occupations such as farmers, athletes and the unemployed get better rates on Ram pickup coverage.
• Battle of the sexes – Statistics demonstrate females are less aggressive when driving. Now that doesn’t mean women are better drivers. Males and females are in at-fault accidents at about the same rate, but guys cause more damage. Men also tend to have more aggressive citations like reckless driving and DUI.
• Compare rates if you consolidate your policies – Most larger companies will award a discount for people who carry more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even if you already get this discount, it’s in your best interest to compare other insurance prices to ensure the best deal. Consumers may save even more by buying from different companies

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help highlight if your insurance needs will benefit from professional help.

• Does my liability insurance cover pulling a trailer or camper?
• How can I find cheaper teen driver insurance?
• Why am I required to buy liability insurance?
• Am I covered if I crash into my own garage door?
• How many claims can I have before being cancelled?
• If my 2003 Dodge Ram Pickup 1500 is totaled, can I afford another vehicle?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

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Car insurance coverage information

Understanding the coverages of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average car insurance policy.

Coverage for collisions

Collision coverage covers damage to your Ram Pickup 1500 resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive car insurance

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, vandalism, hitting a bird and fire damage. The most you can receive from a comprehensive claim 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.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for X-ray expenses, EMT expenses, funeral costs and doctor visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Ram Pickup 1500.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability

This provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things like medical expenses, court costs and pain and suffering. How much coverage you buy is your choice, but consider buying higher limits if possible.

A tidy conclusion

As you prepare to switch companies, do not buy less coverage just to save a little money. There have been many situations where someone sacrificed liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Cheaper 2003 Dodge Ram Pickup 1500 insurance is available from both online companies and from local insurance agents, so you need to quote insurance with both so you have a total pricing picture. Some insurance companies do not provide price quotes online and most of the time these regional insurance providers prefer to sell through independent agencies.

Even more information is available in the articles below:

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Who Has Cheap Nashville Auto Insurance for a Dodge Ram? (NashvilleInsure.com)
• What Auto Insurance is Cheapest for a Dodge Ram in Mesa? (MesaInsure.com)
• Prom Night Tips for Teen Drivers (State Farm)
• Auto Insurance Basics (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)

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