Want the cheapest auto insurance rates for your Dodge Ram 50 Pickup? Are you irritated from being strong-armed to keep your car insured? You’re in the same situation as millions of other consumers. You have multiple insurers to buy insurance from, and though it is a good thing to be able to choose, having more car insurance companies makes it harder to find the lowest cost provider.
Finding affordable coverage is quite easy. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. Drivers just need to learn how to compare company rates over the internet.
There are a lot of ways you can shop for insurance coverage but some are more efficient than others. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could use the internet to get the quickest rates.
Most of the best insurance companies are enrolled in a marketplace that enables customers to enter their policy data once, and every company can provide price quotes. This prevents consumers from doing quote requests to every company.
To participate in this free quote system, click here to open in new window.
The single downside to using this type of system is that you can’t choose the insurers to receive prices from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.
How you compare quotes is your choice, just try to use the same coverage data for every company. If you compare different limits and deductibles on each one it will be nearly impossible to make a fair comparison for your Dodge Ram 50 Pickup.
Consumers can’t escape the ads that claim the cheapest premium rates from the likes of Geico, State Farm and Progressive. They all seem to advertise claims that people will save if you just switch your policy.
How does every car insurance company make the same claim? You have to listen carefully.
Different companies quote their best rates for the type of customer that makes them money. For example, a desirable insured might have to be over age 30, is a homeowner, and chooses high deductibles. A customer getting a price quote that meets those criteria gets the lowest prices and therefore will save a lot if they switch.
Drivers who don’t meet those standards will probably be forced to pay a higher rate and business not being written. The trick is to say “people that switch” but not “everyone who gets a quote” save money. That is how companies can truthfully make claims like that. Different companies use different criteria so drivers should get a wide range of price quotes. It’s impossible to know with any certainty which company will have better auto insurance rates than you’re paying now.
Some companies don’t list every discount they offer in an easy-to-find place, so the following list contains both well-publicized and also the more inconspicuous discounts that may be available.
Policy discounts save money, but some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will definitely lower your policy premium.
To see a list of insurers with the best auto insurance discounts, follow this link.
When buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might point out whether your personal situation would benefit from professional advice.
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by car insurance companies.
Collision – This coverage covers damage to your Ram 50 Pickup resulting 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 can pay for things such as sustaining damage from a pot hole, sideswiping another vehicle, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.
Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as hitting a bird, hitting a deer, falling objects and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
UM/UIM Coverage – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Ram 50 Pickup.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Medical costs insurance – Med pay and PIP coverage pay for expenses such as EMT expenses, hospital visits, nursing services, rehabilitation expenses and surgery. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible
Liability coverages – Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability can pay for things like bail bonds, court costs and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.
While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed full coverage only to discover later that the savings was not a smart move. Your goal is to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.
Throughout this article, we presented a lot of information how to reduce 1990 Dodge Ram 50 Pickup insurance car insurance rates online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance coverage comes from a smaller regional carrier. They may have significantly lower premium rates on certain market segments compared to the large companies like Progressive or Geico.
More detailed insurance coverage information is available in the articles below: