1998 Dodge Ram Pickup 2500 Insurance Quotes – 7 Ideas for Cheaper Rates

Buyers have a choice when searching for the lowest priced Dodge Ram Pickup 2500 insurance. They can either waste time contacting agents trying to get quotes or use the internet to find the lowest rates.

There is a better way to find car insurance online so we’re going to tell you the quickest way to get price quotes for your Dodge and find the best price possible from local insurance agents and online providers.

Smart consumers take time to do price comparisons before your next renewal since rates tend to go up over time. Despite the fact that you may have had the lowest premium rates for Ram pickup insurance six months ago other companies may now be cheaper. You can find a lot of wrong information about car insurance out there, but in just a couple of minutes you can learn some solid techniques on how to find cheap car insurance.

The purpose of this post is to instruct you on the most effective way to quote insurance and some tricks to saving. If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Vehicle owners just need to learn the best way to shop their coverage around online.

Compare quotes for insurance

There are a lot of ways to compare insurance quotes, but one way is more efficient than others. You could waste a few hours discussing policy coverages with agents in your area, or you could save time and use online quoting for quick rates.

Many of the larger companies enroll in a system that allows shoppers to submit their information once, and every company provides a quote for coverage. This saves time by eliminating repetitive form submissions to each company.

To find out how much you’re overpaying now click to open in new window.

The only downside to getting quotes like this is that you can’t choose which companies to get pricing from. So if you want to select from a list of companies to receive pricing from, we have a listing of the cheapest insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just try to keep equivalent coverage limits and deductibles for each quote you get. If you use different liability limits it will be next to impossible to determine the best price for your Dodge Ram Pickup 2500.

Get cheap insurance with discounts

Not too many consumers would say insurance is affordable, but there’s a good chance there are discounts that many consumers don’t even know exist. A few discounts will be applied at quote time, but lesser-known reductions have to be specially asked for before you get the savings. If you do not double check each discount available, you’re just leaving money on the table.

  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks with the same company can get a discount for every vehicle.
  • Senior Citizens – Older drivers may receive a small decrease in premiums for Ram pickup insurance.
  • Accident-Free Discounts – Claim-free drivers can save substantially as compared to accident-prone drivers.
  • Distant Student – Older children who attend college more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt can save a little off the personal injury premium cost.
  • Paper-free Discount – Some insurance companies may give you up to $50 just for signing your application on the internet.
  • Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and that can save you a little bit as well.

Just know that most credits do not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Companies and the discounts they provide are shown below.

  • State Farm offers premium reductions for multiple policy, good driver, safe vehicle, good student, driver’s education, accident-free, and defensive driving training.
  • Geico has savings for daytime running lights, air bags, emergency military deployment, multi-policy, anti-lock brakes, and seat belt use.
  • SAFECO discounts include anti-theft, teen safe driver, multi-car, accident prevention training, drive less, teen safety rewards, and safe driver.
  • Farmers Insurance may offer discounts for electronic funds transfer, alternative fuel, multi-car, homeowner, business and professional, and distant student.
  • AAA policyholders can earn discounts including multi-policy, education and occupation, pay-in-full, multi-car, good student, good driver, and AAA membership discount.
  • USAA may have discounts that include vehicle storage, annual mileage, good student, defensive driver, family discount, and safe driver.

Before buying, ask each insurance company which discounts you qualify for. Discounts may not be available in your area. To see insurers that provide some of the discounts listed above, follow this link.

Tailor your insurance coverage coverage to you

When choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation may require specific advice.

  • Is business equipment covered while in my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • When should I not file a claim?
  • Does my insurance cover my expensive audio equipment?
  • Should I buy more coverage than the required minimum liability coverage?
  • When would I need rental car insurance?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.

Auto insurance coverage information

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for 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 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like medical services, bail bonds, loss of income, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, vandalism and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 2500.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like EMT expenses, chiropractic care and dental work. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision insurance

This coverage covers damage to your Ram Pickup 2500 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a parking meter, crashing into a ditch, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Never pay more for less

Drivers change insurance companies for many reasons like policy cancellation, delays in paying claims, extreme rates for teen drivers or even questionable increases in premium. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

We’ve covered a lot of information how to get a better price on 1998 Dodge Ram Pickup 2500 insurance. It’s most important to understand that the more you quote insurance, the higher your chance of finding inexpensive insurance. You may even discover the best price on car insurance is with a smaller regional carrier.

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at an affordable rate and still be able to protect your assets.

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