1996 Dodge Ram Pickup 1500 Insurance Quotes

Trying to find cheaper insurance rates for your Dodge Ram Pickup 1500? If shopping for auto insurance quotes online is new to you, most likely you are overwhelmed thanks to the vast number of local and online companies vying for business.

Compare free auto insurance price quotes

There are several ways to get quotes from different insurance companies. The easiest way by far to find competitive Dodge Ram Pickup 1500 insurance rates consists of obtaining rate quotes online. This can be accomplished by using one of the methods below.

  1. If you are pressed for time, the simplest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This form saves time by eliminating boring form submissions for each price estimate. One form submission gets prices estimates instantly.It’s the quickest way to get rates.
  2. A slightly less efficient method to obtain and compare quotes online is spending the time to visit the website for each individual company and repeat the quote process again and again. For examples sake, let’s assume you are doing a rate comparison from Geico, 21st Century and Progressive. To get rate quotes you would need to navigate to each company’s site to enter your coverage information, which is why first method is reommended.

    To view a list of companies in your area, click here.

  3. The hardest method to get comparison rates is making phone calls or going to local insurance agencies. Doing it all online has reduced the need for local agents unless you’re the type of person who wants the extra assistance of an agent trained in personal lines coverage. It is possible to compare the best prices online but purchase the actual policy in an agency.

It’s up to you which method you use, but try to keep identical coverages and limits with each company. If each company quotes higher or lower deductibles you will not be able to determine which rate is truly the best. Quoting even small variations in coverage limits could skew the results. And when price shopping your coverage, making a lot of price comparisons increases the change that you will find the best price.

Dodge Ram Pickup 1500 insurance prices can be lower

Part of the insurance buying process is learning the different types of things that help calculate your insurance rates. If you have a feel for what influences your rates, this allows you to make good choices that may result in lower premium levels.

Listed below are a partial list of the pieces insurance companies consider when setting your premiums.

  • Rate your vehicle for proper use – The more you drive your Dodge annually the more it will cost to insure it. The majority of insurers calculate rates determined by how the vehicle is used. Vehicles that sit idle most of the time can get a lower rate than those that get driven frequently. Incorrect rating for your Ram Pickup 1500 can result in significantly higher rates. Make sure your policy shows the correct driver usage.
  • Married drivers pay less – Having a spouse can actually save you money when buying insurance. Having a spouse means you’re more mature and it’s proven that drivers who are married are more cautious.
  • File claims and pay more – If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Car insurance companies generally give lower rates to drivers who only file infrequent claims. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
  • Don’t cancel your policy without a new one in place – Having a lapse in insurance coverage will be a sure-fire way to pay more for insurance. Not only will you pay higher rates, the inability to provide proof of insurance may earn you a steep fine or even jail time. You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.

Auto insurance companies offer many discounts

Companies don’t necessarily list all disounts in an easy-to-find place, so the following list contains some of the more common as well as the least known discounts you could be receiving when you buy auto insurance online. If you do not check that you are getting every discount available, you’re paying more than you need to.

  • New Car Discount – Insuring a vehicle that is new can be considerably cheaper since new model year vehicles are generally safer.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if it’s offered in school.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you can avoid the installment charge.
  • Homeowners Discount – Just owning your own home can earn you a little savings because maintaining a house means you have a higher level of financial diligence.
  • Passive Restraint Discount – Factory options such as air bags can get savings as much as 30%.
  • Drive Less and Save – Driving less could qualify for slightly better prices than normal.

While discounts sound great, it’s important to understand that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

To view companies with significant discounts, follow this link.

Do I just need basic coverages?

When buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For example, these questions can help discover if you would benefit from professional advice.

  • What is the minimum liability in my state?
  • What is the difference between comprehensive and collision coverage?
  • Should I sign the liability waiver when renting a car?
  • Is my state a no-fault state?
  • Does insurance cover damages from a DUI accident?
  • Do I need added coverage for expensive stereo equipment?
  • Who is covered when they drive my 1996 Dodge Ram Pickup 1500?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I get a multi-policy discount?
  • What is PIP insurance?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance 101

Learning about specific coverages of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision – Collision coverage will pay to fix damage to your Ram Pickup 1500 from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Liability auto insurance – This can cover damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like structural damage, funeral expenses, bail bonds, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like nursing services, doctor visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1996 Dodge Ram Pickup 1500.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, rock chips in glass, a broken windshield and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Cheaper insurance is a realistic goal

When searching for cheaper auto insurance quotes, you should never sacrifice coverage to reduce premiums. In many cases, drivers have reduced liability limits or collision coverage only to regret that they should have had better coverage. Your objective should be to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

Cheaper 1996 Dodge Ram Pickup 1500 insurance is possible online as well as from independent agents, so you need to quote auto insurance with both to get a complete price analysis. Some insurance providers don’t offer rates over the internet and many times these regional carriers sell through local independent agents.

Drivers leave their current company for a number of reasons such as questionable increases in premium, lack of trust in their agent, delays in responding to claim requests and even unfair underwriting practices. It doesn’t matter what your reason, finding the right insurance coverage provider is easier than you think.

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