How Much Does 1996 Dodge Ram Pickup 2500 Insurance Cost?

Searching for the cheapest insurance rates for your Dodge Ram Pickup 2500? Comparing and finding more affordable rates for Driversinsurance can seem to be a challenge for drivers who have little experience buying insurance online. There are so many companies to choose from that it can be a chore to find the lowest price.

The method we recommend to compare car insurance company rates is to know the fact almost all companies will pay a fee to provide you with a free rate quote. The only thing you need to do is give the companies some data such as your general credit rating, your education level, which vehicles you own, and if it has an alarm system. Your information is instantly sent to all major companies and they provide comparison quotes instantly.

How car insurance companies calculate Dodge Ram Pickup 2500 insurance prices

Lots of factors are used when you quote your car insurance policy. Some factors are common sense like an MVR report, but other factors are more obscure such as your marital status or your commute time.

The itemized list below are some of the things auto insurance companies consider when setting your rates.

  • Urban areas may pay more – Being located in small towns and rural areas has it’s advantages when shopping for auto insurance. Lower population translates into fewer accidents as well as less vandalism and auto theft. People in densly populated areas have more traffic problems and more severe claims. Spending more time driving means higher likelihood of an accident.
  • Low mileage costs less – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles determined by how the vehicle is used. Vehicles not used for work or commuting get more affordable rates than those used for commuting. Having the wrong rating on your Ram Pickup 2500 can result in significantly higher rates. It’s a smart idea to ensure your declarations sheet is showing annual mileage.
  • Low deductibles cost more – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your Dodge. Examples of some claims that would be covered are a broken windshield, flood damage, and having your car stolen. Comp and collision deductibles tell how much you are willing to pay if you file a covered claim. The higher the amount you have to pay, the less your auto insurance will be for Ram pickup coverage.
  • Keep policy claims to a minimum – Insurance companies provide the lowest premiums to drivers that do not abuse their auto insurance. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Is you employer costing you more? – Do you work in a high-stress field? Occupations such as judges, architects and dentists have the highest rates in part from job stress and lots of time spent at work. Conversely, careers like professors, engineers and homemakers pay the least for Ram pickup coverage.

Discounts can really help lower rates

Car insurance is not cheap nor is it fun to buy but there are discounts available to cut the cost considerably. Some of these disounts will be visible when you get a quote, but a few need to be requested specifically prior to getting the savings.

  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
  • Federal Government Employee – Having worked for a branch of the government may reduce rates when you quote car insurance for Ram pickup coverage with certain companies.
  • Life Insurance Discount – Insurance companies who offer life insurance give better rates if you take out life insurance.
  • No Accidents – Good drivers with no accidents can save substantially as compared to drivers who are more careless.
  • Anti-theft System – Cars optioned with advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
  • One Accident Forgiven – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual may permit one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Good Grades Discount – Excelling in school may save you up to 25%. The discount lasts well after school through age 25.
  • Pay Early and Save – By making one initial payment rather than spreading payments over time you can avoid the installment charge.
  • Telematics Devices – Drivers who elect to allow their car insurance company to look at driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if their driving habits are good.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way. But all discounts will definitely reduce the cost of your policy.

Large car insurance companies and the discounts they provide include:

  • Esurance includes discounts for safety device, anti-lock brakes, defensive driver, anti-theft, multi-policy, homeowner, and good driver.
  • The Hartford has discounts for defensive driver, vehicle fuel type, bundle, air bag, anti-theft, driver training, and good student.
  • AAA may include discounts for education and occupation, anti-theft, AAA membership discount, multi-policy, and good student.
  • Geico policyholders can earn discounts including air bags, driver training, defensive driver, good student, five-year accident-free, multi-policy, and anti-theft.
  • State Farm discounts include driver’s education, defensive driving training, good student, student away at school, and safe vehicle.

When getting a coverage quote, ask every prospective company to apply every possible discount. Some of the discounts discussed earlier may not be offered everywhere.

Will just any policy work for me?

When buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my 1996 Dodge Ram Pickup 2500 covered for flood damage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my 1996 Dodge Ram Pickup 2500 need full coverage?
  • If I drive on a suspended license am I covered?
  • When should I drop full coverage on my 1996 Dodge Ram Pickup 2500?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form.

Auto insurance coverages

Knowing the specifics of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1996 Dodge Ram Pickup 2500.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, damage from flooding, hitting a deer, damage from getting keyed and falling objects. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

Collision coverage covers damage to your Ram Pickup 2500 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, damaging your car on a curb, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability car insurance

Liability insurance will cover injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical expenses, bail bonds and pain and suffering. How much coverage you buy is a personal decision, but buy as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses such as surgery, pain medications, nursing services, funeral costs and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

In conclusion

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There have been many cases where an insured cut liability limits or collision coverage to discover at claim time they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

Cheap 1996 Dodge Ram Pickup 2500 insurance can be purchased on the web as well as from independent agents, and you should compare rates from both in order to have the best price selection to choose from. Some auto insurance companies do not provide rates over the internet and many times these regional carriers provide coverage only through independent agents.

Drivers who switch companies do it for many reasons like not issuing a premium refund, being labeled a high risk driver, unfair underwriting practices and even high prices. Regardless of your reason, choosing a new company is not as hard as you think.

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