How Much Does 1999 Dodge Ram Pickup 1500 Insurance Cost?

Being forced to pay for expensive insurance coverage premiums can dwindle your funds and make it impossible to make ends meet. Doing a rate comparison can lower your rates and help to lower your bills every month.

Vehicle owners have multiple insurance companies to insure vehicles with, and although it’s a good thing to have a selection, having more car insurance companies makes it harder to find a good deal.

Buying the best insurance coverage is simple if you know the tricks. If you have a policy now or are looking for a new policy, you can use these tips to get lower rates while maximizing coverage. Drivers just need to know the most efficient way to buy insurance coverage online.

Affordable car insurance rates with discounts

Some companies don’t always list the complete list of policy discounts very clearly, so the following list contains some of the more common and the harder-to-find discounts that may be available.

• Discounts for Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for Ram pickup coverage depending on your company.
• Membership in Organizations – Having an affiliation with certain professional organizations may earn a discount when getting a insurance coverage quote.
• Safety Course Discount – Passing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
• Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for a small decrease in premiums for Ram pickup coverage.
• Own a Home – Owning a home can save a few bucks because owning a home requires personal responsibility.
• No Charge for an Accident – but some insurance companies will allow you to have one accident before hitting you with a surcharge if you have no claims for a particular time prior to the accident.
• Pay Early and Save – If paying your policy premium upfront rather than paying in monthly installments you may have a lower total premium amount.

As a sidenote, many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, that’s just not realistic.

A list of car insurance companies and some of the premium reductions they offer include:

• State Farm offers premium reductions for multiple autos, driver’s education, defensive driving training, multiple policy, and Steer Clear safe driver discount.
• Geico may include discounts for seat belt use, anti-lock brakes, five-year accident-free, air bags, driver training, and daytime running lights.
• SAFECO has discounts for safe driver, teen safety rewards, homeowner, accident prevention training, and bundle discounts.
• Farmers Insurance includes discounts for teen driver, youthful driver, homeowner, early shopping, electronic funds transfer, multi-car, and pay in full.
• AAA policyholders can earn discounts including multi-car, pay-in-full, AAA membership discount, multi-policy, education and occupation, and good driver.
• USAA may have discounts that include annual mileage, defensive driver, multi-vehicle, multi-policy, driver training, and family discount.

When quoting, ask each insurance company what discounts are available to you. Some discounts listed above may not be offered in your area. To locate car insurance companies that offer many of these discounts, click this link.

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Compare free car insurance quotes

Comparing car insurance rates can take hours if you don’t know the most efficient way. You can waste a lot of time talking to local insurance agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

All the larger companies participate in an industry program that allows shoppers to submit one quote, and every company returns a competitive quote for coverage. This system prevents you from having to do quotation requests for each company.

To enter your information into the quoting system, click to open in new window.

The only downside to getting quotes like this is you don’t know exactly which insurance companies you want pricing from. So if you want to select individual companies for rate comparison, we have a page of low cost car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using the exact same quote data with each company. If you enter differing limits it will be nearly impossible to determine which company has the best rates.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions could help you determine whether or not you would benefit from professional advice.

• Are my tools covered if they get stolen from my vehicle?
• Does my policy cover me when driving someone else’s vehicle?
• Can I rate high risk drivers on liability-only vehicles?
• Should I buy additional glass protection?
• Should I file a claim if it’s only slightly more than my deductible?
• Is my babysitter covered when using my vehicle?
• What are the financial responsibility laws in my state?
• Do I have any recourse if my insurance company denies a claim?
• Am I covered when pulling a rental trailer?
• Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage information

Knowing the specifics of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Auto collision coverage

Collision insurance pays for damage to your Ram Pickup 1500 resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, hitting a deer and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for ambulance fees, EMT expenses, dental work, surgery and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Auto liability

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair costs for stationary objects, medical expenses and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Ram Pickup 1500.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

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And the best car insurance company is…

We just showed you some good ideas how to lower your 1999 Dodge Ram Pickup 1500 insurance rates. It’s most important to understand that the more companies you get car insurance rates for, the better your comparison will be. Consumers could even find that the lowest rates come from a small local company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

When shopping online for insurance, do not buy less coverage just to save a little money. In too many instances, an insured cut uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

More resources

• Understanding your Policy (NAIC.org)
• Auto Insurance 101 (About.com)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Older Driver Statistics (Insurance Information Insitute)

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