Lower Your 1999 Dodge Ram Pickup 1500 Insurance Rates

If you’ve never shopped for car insurance quotes online, you can easily be overwhelmed by the vast assortment of insurance providers competing for your business.

It’s a good idea to get comparison quotes as often as possible since prices fluctuate regularly. Even if you think you had the best price for Ram pickup insurance at your last renewal you may be paying too much now. There is lot of inaccurate information about insurance coverage on the web, but in a few minutes you can learn some tested techniques to buy insurance coverage cheaper.

The purpose of this post is to instruct you on how to effectively get price quotes. If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. But consumers benefit from understanding how insurance companies price online insurance and use this information to your advantage.

These discounts can slash car insurance rates

Car insurance is not inexpensive, but you might already qualify for some discounts that can drop the cost substantially. Some trigger automatically at the time of quoting, but a few need to be specifically requested before you will receive the discount.

Seat Belt Discounts – Requiring all passengers to wear their seat belts could save 15% off the medical payments premium.
Homeowners Discount – Simply owning a home may trigger a policy discount on car insurance since owning and maintaining a home shows financial diligence.
No Charge for an Accident – Not really a discount, but certain companies will allow you to have one accident without getting socked with a rate hike so long as you are claim-free prior to being involved in the accident.
Discounts for Safe Drivers – Insureds who avoid accidents may save up to 50% more for Ram pickup insurance compared to accident prone drivers.
Active Service Discounts – Having a deployed family member may qualify for rate reductions.
Driver Safety – Completing a driver safety course could earn you a small percentage discount and easily recoup the cost of the course.
Membership in Organizations – Being in a qualifying organization could earn you a nice discount when getting a car insurance quote.
Government Employee Discount – Simply working for the federal government could cut as much as 10% off for Ram pickup insurance with certain companies.

You should keep in mind that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Companies and their possible discounts can be read below.

State Farm discounts include good student, multiple policy, defensive driving training, safe vehicle, and anti-theft.
Farmers Insurance offers discounts for multi-car, pay in full, teen driver, business and professional, and youthful driver.
Geico may have discounts that include good student, anti-theft, emergency military deployment, federal employee, and defensive driver.
American Family has savings for defensive driver, bundled insurance, Steer into Savings, mySafetyValet, and TimeAway discount.
Nationwide may include discounts for easy pay, family plan, defensive driving, accident-free, and business or organization.
Progressive includes discounts for good student, online signing, multi-policy, multi-vehicle, continuous coverage, and online quote discount.

If you need affordable car insurance quotes, ask every prospective company how you can save money. Some of the discounts discussed earlier may not apply to policies everywhere. For a list of insurance companies with the best discounts, follow this link.

When do I need an agent’s advice?

When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if you could use an agent’s help.

Are rental cars covered under my policy?
Do I have any recourse if my insurance company denies a claim?
If my 1999 Dodge Ram Pickup 1500 is totaled, can I afford another vehicle?
When should I remove comp and collision on my 1999 Dodge Ram Pickup 1500?
Does my policy cover my teen driver if they drive my company car?
Does car insurance cover theft of personal property?
Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Educate yourself about auto insurance coverages

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability auto insurance

This 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.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as attorney fees, pain and suffering, loss of income, medical expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, vandalism, a tree branch falling on your vehicle and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for pain medications, prosthetic devices, nursing services, rehabilitation expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Ram Pickup 1500 resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, rolling your car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Never pay more for less

When you buy car insurance online, you should never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped comprehensive coverage or liability limits only to discover later that it was a big mistake. Your objective should be to buy the best coverage you can find at the best price, not the least amount of coverage.

We covered a lot of tips how to save on 1999 Dodge Ram Pickup 1500 insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding the cheapest car insurance. You may even find the most savings is with the smaller companies.

Drivers who switch companies do it for any number of reasons including poor customer service, not issuing a premium refund, policy cancellation and being labeled a high risk driver. Whatever your reason, choosing a new insurance company is not as hard as you think.