Save on 1998 Dodge Ram Pickup 1500 Car Insurance Rates

Searching for better auto insurance rates for your Dodge Ram Pickup 1500? Scraping up a payment for pricey Dodge Ram Pickup 1500 insurance can empty your funds and force you to cut corners elsewhere. Price shopping at each renewal can be a smart way to ensure you are getting the best deal.

Due to the large number of choices, it is hard for the average consumer to find the lowest cost insurer.

The purpose of this article is to familiarize you with how to get online quotes. If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. Nevertheless, drivers must comprehend how the larger insurance companies compete online and take advantage of how the system works.

Buy insurance coverage online

There are multiple methods you can shop for insurance coverage and some are less time-consuming than others. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could use the web to accomplish the same thing much quicker.

All the larger companies participate in an industry program that enables customers to only type in their quote data once, and each company then gives them pricing. This saves time by eliminating quote forms to each individual insurance coverage company.

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One minor caviat to pricing coverage this way is you cannot specify the providers you will receive quotes from. If you wish to select from a list of companies to compare rates, we have a listing of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using exactly the same coverage limits for every company. If each company quotes higher or lower deductibles you will not be able to truly determine the lowest rate. Just a small difference in coverage limits could mean much higher rates. Keep in mind that comparing a wide range of rates will enable you to find a better price. Some companies don’t provide online quotes, so you also need to get price estimates from them, too.

Cheaper rates with discounts

Car insurance can cost a lot, but there’s a good chance there are discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but occassionally some discounts must be asked for prior to getting the savings.

  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Life Insurance Discount – If the company offers life insurance, you could get a break if you buy a life policy as well.
  • Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you will save as much as 10 to 15 percent.
  • Senior Citizen Rates – Older drivers may qualify for a slight reduction on a insurance quote on Ram pickup insurance.
  • Memberships – Joining a qualifying organization is a simple method to lower premiums on your bill.
  • Telematics Discount – Insureds who allow their insurance company to look at where and when they drive by installing a telematics device such as Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
  • Military Discounts – Having a deployed family member could mean lower premium rates.
  • Driver Training Discounts – Participating in a course in defensive driving may get you a small discount and easily recoup the cost of the course.
  • E-sign Discounts – A handful of companies give back up to $50 just for signing your application on the internet.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

Some of the insurance companies that may include these benefits are:

It’s a good idea to ask every prospective company how many discounts you can get. Discounts might not apply in your state.

Informed drivers know how to find auto insurance at a discount

An important part of buying insurance is that you know the different types of things that aid in calculating your premiums. If you understand what determines base rates, this helps enable you to make changes that could result in lower premium levels. Many different elements are used in the calculation when quoting car insurance. Some of the criteria are obvious such as your driving history, although others are more obscure like where you live or how financially stable you are.

  • Are you male or female? – Statistics have proven that females tend to be a little less risky than males. It does not mean women are better drivers. Males and females have at-fault accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like driving under the influence (DUI). Youthful male drivers generally have the highest accident percentage and thus pay the highest rates.
  • Certain vocations pay higher prices – Occupations like lawyers, architects and dentists tend to have the highest rates in part from intense work-related stress and incredibly demanding work hours. On the other hand, occupations like actors, historians and performers pay the least on Ram pickup insurance.
  • Avoid coverage lapses – Having a gap between insurance policy dates can be a guaranteed way to increase your rates. Not only will rates go up, not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Why do you need liability coverage? – Liability coverage is the coverage that protects you if a jury decides you are liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Discounts for alarm systems – Purchasing a vehicle with anti-theft technology or alarm system can help lower your premiums. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all hinder auto theft and help lower rates.

What is the best insurance coverage?

When it comes to buying coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover whether you might need professional guidance.

  • Is my dog or cat covered if injured in an accident?
  • Is my trailer covered?
  • Is my ex-spouse still covered by my policy?
  • Will filing a claim cost me more?
  • Do I have coverage when using my vehicle for my home business?
  • What is the ISO rating for a 1998 Dodge Ram Pickup 1500?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Detailed coverages of your car insurance policy

Understanding the coverages of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.

Uninsured and underinsured coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your 1998 Dodge Ram Pickup 1500.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive coverages – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, hitting a bird and damage from getting keyed. The maximum payout 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 not worth carrying full coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like funeral costs, dental work, ambulance fees, X-ray expenses and nursing services. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like court costs, pain and suffering and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision – Collision coverage will pay to fix damage to your Ram Pickup 1500 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, hitting a parking meter, hitting a mailbox, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Be a smart shopper

Budget-friendly insurance can be purchased online and from local agencies, and you should be comparing both to have the best rate selection. Some insurance companies may not offer online quoting and many times these small insurance companies provide coverage only through independent agents.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, an insured dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage for the lowest price while not skimping on critical coverages.

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