1997 Dodge Ram Pickup 1500 Insurance Rates – 10 Discounts for Cheaper Quotes

Trying to find better insurance coverage rates? Buyers have options when searching for the best price on Dodge Ram Pickup 1500 insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to compare rates. There are more efficient ways to shop for insurance coverage so we’re going to tell you the best way to get price quotes on a Dodge and get the lowest price from both online companies and local agents.

How to buy insurance

There are several ways to compare insurance prices but there is one way that is less labor-intensive and much quicker. You could waste time discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Most of the larger companies participate in an industry program where prospective buyers enter their policy data once, and each company returns a rated price. This eliminates the need for quote forms for each company you want a rate for. To compare pricing click here (opens in new window).

One minor caviat to doing it this way is you don’t know exactly which providers you want pricing from. So if you want to choose specific providers to request quotes from, we have a page of companies who write insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just make sure you are using the exact same quote information for every quote you compare. If your comparisons have unequal deductibles or liability limits you will not be able to make a fair rate comparison.

Slash your auto insurance rates with these ten discounts

Car insurance is not cheap, but you may qualify for discounts that could drop your premiums quite a bit. A few discounts will be applied at quote time, but some may not be applied and must be manually applied in order for you to get them.

  • ABS Braking Discount – Cars with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
  • Cautious Drivers – Insureds who avoid accidents may receive a discount up to 45% for Ram pickup coverage compared to rates paid by drivers with frequent claims.
  • Auto/Life Discount – Select insurance carriers reward you with a discounted price on car insurance if you buy a life insurance policy as well.
  • Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Driver Safety – Completing a course that instructs on driving safety could save 5% or more if your company offers it.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Low Mileage – Maintaining low annual mileage could qualify for lower prices on the low mileage vehicles.
  • College Student Discount – Kids who attend college more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • No Charge for an Accident – Not a discount per se, but some insurance companies will forgive one accident before they charge you more for coverage as long as you don’t have any claims for a specific time period.
  • Lower Rates for Military – Having an actively deployed family member could mean lower premium rates.

As a footnote on discounts, many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will definitely reduce your auto insurance premiums.

To locate providers who offer cheap auto insurance quotes, click here.

You are unique and your insurance should be too

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.

For instance, these questions may help highlight if your situation could use an agent’s help.

  • Do I have coverage for damage caused while driving under the influence?
  • How can I find cheaper teen driver insurance?
  • Can I rent a car in Mexico?
  • Can I afford to buy a different vehicle if my 1997 Dodge Ram Pickup 1500 is totaled?
  • Is my ex-spouse still covered by my policy?
  • Who is covered when they drive my 1997 Dodge Ram Pickup 1500?
  • What can I do if my company denied a claim?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I break a side mirror?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Information about specific coverages

Understanding the coverages of a insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, fire damage, a broken windshield, theft and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance – Liability coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like court costs, repair bills for other people’s vehicles, bail bonds, structural damage and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as X-ray expenses, prosthetic devices, surgery and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Collision coverages – This pays for damage to your Ram Pickup 1500 caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, hitting a mailbox, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

The best insurance company isn’t always the cheapest

Budget-friendly auto insurance is definitely available both online as well as from independent agents, and you need to price shop both to have the best selection. A few companies do not provide the ability to get quotes online and most of the time these regional carriers work with independent agents.

Consumers switch companies for any number of reasons including being labeled a high risk driver, not issuing a premium refund, delays in paying claims and even policy cancellation. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.

In this article, we covered some good ideas how you can reduce 1997 Dodge Ram Pickup 1500 insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheaper auto insurance. Consumers could even find that the best prices are with a small mutual company.

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