1994 Dodge Ram Pickup 2500 Insurance Cost – 8 Tips for Best Prices

Want cheaper car insurance rates for your Dodge Ram Pickup 2500? I can’t think of anyone who looks forward to paying for car insurance, especially when it costs too dang much. You have multiple insurance companies to pick from, and though it is a good thing to have a choice, lots of choices makes it harder to find the lowest rates.

You need to take a look at other company’s rates before your next renewal because prices are constantly changing. Even if you got the lowest price for Ram pickup coverage two years ago you will most likely find a better rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the quickest ways to find the best coverage while lowering your premiums.

How to shop car insurance online

Reducing your 1994 Dodge Ram Pickup 2500 insurance rates is surprisingly easy. Just spend a little time getting comparison quotes to find out which insurance company has cheap insurance coverage quotes. It’s really simple and can be done in several different ways.

The first (and easiest) way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This type of form keeps you from doing separate forms for each price estimate. A single, simple form will return quotes direct from many companies.
Another way to compare prices is going to the website for each individual company and get a separate price quote. For instance, we’ll pretend you want rates from Nationwide, Esurance and Farmers. You would have to navigate to each company’s site and punch in your information repeatedly, which is why the first method is more popular.
For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but be sure to compare apples-to-apples coverage data on every quote you get. If you compare different data it will be impossible to determine the best price for your Dodge Ram Pickup 2500.

Lower rates by qualifying for these eight discounts

Not too many consumers would say insurance coverage is affordable, but there may be some discounts that you may not even be aware of. Certain reductions will be credited at the time you complete a quote, but occassionally some discounts must be asked about in order for you to get them. If you don’t get every credit available, it’s possible you qualify for a lower rate.

Theft Deterent – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% off PIP or medical payments premium.
Membership in Organizations – Affiliation with a professional or civic organization could earn you a nice discount on your next renewal.
Low Mileage Discounts – Low annual miles can earn substantially lower premium rates.
Accident Free – Drivers with accident-free driving histories have much lower rates when compared to accident-prone drivers.
Pay Early and Save – If you pay your bill all at once rather than spreading payments over time you can avoid monthly service charges.
Passive Restraints – Options like air bags or automatic seat belts may get savings up to 30%.
Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for Ram pickup coverage with a few insurance coverage companies.

One last thing about discounts, most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

If you would like to view insurance companies that offer the discounts shown above, click here.

Auto insurance is unique, just like you

When it comes to choosing the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

When would I need additional glass coverage?
Is upholstery damage covered by car insurance?
Is other people’s property covered if stolen from my vehicle?
Will my insurance pay for OEM parts?
Should I buy more coverage than the required minimum liability coverage?
Is my babysitter covered when using my vehicle?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Car insurance coverage breakdown

Understanding the coverages of your car insurance policy can help you determine the best coverages for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most car insurance policies.

Comprehensive protection

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, falling objects, a broken windshield, hitting a deer and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like emergency aid, legal defense fees and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Dodge Ram Pickup 2500.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

Collision coverage will pay to fix damage to your Ram Pickup 2500 caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for nursing services, hospital visits, rehabilitation expenses, dental work and surgery. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay