Lower Your 1995 Dodge Ram Pickup 1500 Insurance Rates

Having to pay for high-priced Dodge Ram Pickup 1500 insurance can stress out your personal savings and force you to cut corners elsewhere. Performing a price comparison is free, only takes a few minutes, and is a good way to ensure you are getting the best deal.

Big companies like Progressive, State Farm and Geico all promote huge savings with catchy ads and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.

It’s a good idea to do rate comparisons before your policy renews because insurance rates are constantly changing. Even if you think you had the lowest rate for Ram pickup coverage last year the chances are good that you can find a lower price today. Block out anything you think you know about insurance because you’re going to get a crash course in the tricks you need to know to find lower rates on insurance.

Save a ton with discounts

The price of auto insurance can be rather high, but there may be some discounts to cut the cost considerably. Some discounts apply automatically when you complete an application, but a few must be requested specifically prior to getting the savings. If you are not receiving all the discounts you deserve, you’re just leaving money on the table.

  • Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students until age 25.
  • Distant College Student Discount – Kids who live away from home at college and do not have access to a covered vehicle may be able to be covered for less.
  • Use Seat Belts – Using a seat belt and requiring all passengers to fasten their seat belts can save a little off the PIP or medical payment premium.
  • Theft Deterent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and can earn a small discount on your policy.
  • Membership in Organizations – Participating in qualifying employment or professional organizations could earn you a nice discount on your bill.
  • Own a Home – Owning your own home or condo can help you save on car insurance because owning a home shows financial diligence.
  • One Accident Forgiven – This one isn’t a discount, but some companies like Liberty Mutual and Geico will forgive one accident before they charge you more for coverage so long as you are claim-free prior to being involved in the accident.

You can save money using discounts, but many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, it doesn’t quite work that way.

A few popular companies and some of the premium reductions they offer are outlined below.

  • Esurance has savings for Pac-12 alumni, paid-in-full, claim free, good driver, good student, online shopper, and anti-theft.
  • The Hartford policyholders can earn discounts including vehicle fuel type, bundle, air bag, good student, defensive driver, driver training, and anti-theft.
  • AAA offers discounts for multi-car, anti-theft, multi-policy, AAA membership discount, good student, and pay-in-full.
  • Geico may have discounts that include membership and employees, good student, anti-lock brakes, air bags, and multi-vehicle.
  • State Farm includes discounts for multiple policy, Steer Clear safe driver discount, passive restraint, safe vehicle, student away at school, good driver, and good student.

Before you buy a policy, ask all the companies which discounts you qualify for. Some of the discounts discussed earlier might not apply in your area. If you would like to view companies that have a full spectrum of discounts, follow this link.

What is the best insurance coverage?

When it comes to choosing coverage, there really is no one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

  • Who is covered when they drive my 1995 Dodge Ram Pickup 1500?
  • What is high-risk coverage and where do I buy it?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why do I need rental car insurance?
  • Is my babysitter covered when using my vehicle?
  • Should I carry comprehensive and collision coverage?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

But they said I’d save $384 a year!

Respected companies like State Farm, Geico and Progressive seem to constantly run television, radio, and online ads. They all make the point about how much you will save if you get a free auto insurance quote and switch your policy. How can each company charge you less for car insurance? It’s all in how they say it.

Different companies give the best rates for a prospective insured that will be a good risk. A good example of a preferred risk may be over the age of 35, has never had a policy lapse, and drives less than 5,000 miles a year. Any customer who fits those characteristics is entitled to the best price and as a result will probably cut their rates substantially.

Potential insureds who don’t meet this ideal profile may be forced to pay more expensive rates which usually ends up with the customer buying from a different company. The trick companies use is to say “customers who switch” but not “everyone who gets a quote” save that much when switching. That’s the way insurance companies can claim big savings.

This emphasizes why drivers should get a wide range of price quotes. It is impossible to predict with any certainty which company will have the best premium rates.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability auto insurance

This coverage will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like emergency aid, attorney fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your 1995 Dodge Ram Pickup 1500.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision

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

Comprehensive coverage protects against claims such as damage from getting keyed, theft, hitting a bird and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses like pain medications, doctor visits, EMT expenses, hospital visits and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Take this to the bank

There are still a few companies who do not provide the ability to get quotes online and most of the time these regional carriers only sell coverage through local independent agents. The cheapest 1995 Dodge Ram Pickup 1500 insurance can be bought online and with local insurance agents, and you should compare rates from both in order to have the best chance of saving money.

We just presented a lot of ways to shop for 1995 Dodge Ram Pickup 1500 insurance online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may discover the most savings is with the smaller companies. They can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

When you buy auto insurance online, never skimp on critical coverages to save a buck or two. Too many times, an insured dropped collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

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