Compare 2000 Dodge Ram Pickup 1500 Insurance Rates

Want the cheapest insurance rates for your Dodge Ram Pickup 1500? Have you finally had enough of robbing Peter to pay Paul to pay insurance each month? You are no different than millions of other people.

Numerous insurance companies battle for your business, so it can be very hard to choose a provider and uncover the absolute cheapest price

How to lower your auto insurance cost

There are several ways to compare auto insurance prices but one way is easier and takes less work. You could spend your day talking to insurance companies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Many insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and at least one company then returns a price quote based on the submitted data. This prevents consumers from doing quote forms for every auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to comparing rates this way is you cannot specify the providers you want to price. So if you prefer to choose individual companies to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make sure you compare the same coverages and limits with every price quote. If you are comparing different data it will be nearly impossible to determine the lowest rate for your Dodge Ram Pickup 1500. Just slight variations in limits can make a big difference in price. And when comparing auto insurance rates, know that obtaining a wide range of quotes helps increase your odds of locating a lower rate.

Auto insurance companies offer many discounts

Car insurance can cost a lot, but there could be available discounts to reduce the price significantly. Many of these discounts will be applied automatically when you complete an application, but some need to be asked about prior to getting the savings.

  • Active Military Service – Having an actively deployed family member could qualify you for better auto insurance rates.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
  • Safety Course Discount – Taking part in a safe driver class can save you 5% or more and easily recoup the cost of the course.
  • Life Insurance Discount – Auto insurance companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Own a Home – Owning a house can help you save on auto insurance because owning a home is proof of financial responsibility.
  • Good Grades Discount – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
  • Discounts for New Vehicles – Buying a new car instead of a used car can save up to 30% since newer vehicles are generally safer.
  • Driver’s Ed – Teen drivers should sucessfully take a drivers education course in high school.
  • Renewal Discounts – Some larger companies give discounts for switching companies prior to the expiration date on your current policy. It can save you around 10%.

A little disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A few companies that possibly offer some of the discounts shown above include:

If you are trying to find the cheapest car insurance quotes, ask all companies you are considering how you can save money. Some discounts listed above may not apply to policies in your area. To choose providers that offer discounts, click this link.

How do insurance providers determine Dodge Ram Pickup 1500 insurance rates?

Many factors are used in the calculation when quoting car insurance. Some are obvious such as your driving record, although others are less apparent such as your marital status and annual miles driven.It’s important that you understand a few of the rating criteria that help calculate your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that could result in lower premium levels.

  • Use one insurance company and save – Most major insurance companies allow discounts to buyers that purchase more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, it’s in your best interest to compare rates to guarantee you are still saving the most. Drivers may still find better rates even if you have your coverage with different companies
  • Low physical damage deductibles can be expensive – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Dodge. Examples of covered claims would be a broken windshield, damage from fire, and windstorm damage. The deductibles you choose state the amount of money you are willing to pay out-of-pocket if the claim is covered. The higher the amount you have to pay, the lower your rates will be on Ram pickup coverage.
  • Liability safeguards assets – Your policy’s liability coverage is the protection when a court rules you are at fault for physical damage or personal injury to other. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Teenage drivers cost more – Older people are more cautious drivers, cause fewer claims and accidents , and usually have better credit.Youthful drivers are known to be inattentive and easily distracted when driving so they pay higher insurance coverage rates.
  • Females tend to take less risk – Statistics demonstrate that females tend to be a little less risky than males. However, don’t assume that females are better drivers. Women and men cause fender benders at about the same rate, but men tend to have higher claims. Men also statistically get ticketed for serious violations like driving under the influence (DUI).
  • Higher premiums for demanding jobs – Do you work in a high-stress field? Jobs like military personnel, executives and miners tend to pay higher average rates attributed to intense work requirements and long work hours. On the other hand, careers such as farmers, athletes and the unemployed have the lowest average rates on Ram pickup coverage.
  • Always keep your insurance coverage in force – Allowing your coverage to lapse is a quick way to pay more for insurance coverage. In addition to paying higher premiums, not being able to provide proof of insurance may result in fines and jail time.

Do I just need basic coverages?

When choosing the right insurance coverage, there is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you may require specific advice.

  • Exactly who is provided coverage by my policy?
  • Can I make deliveries for my home business?
  • Do I have coverage when using my vehicle for my home business?
  • Should I buy more coverage than the required minimum liability coverage?
  • When can I cancel my policy?
  • Does my car insurance cover rental cars?
  • Which companies will insure high-risk drivers?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Knowing the specifics of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, emergency aid, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

This gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Pickup 1500.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like EMT expenses, pain medications, prosthetic devices, chiropractic care and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

This pays for damage to your Ram Pickup 1500 caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, colliding with a tree, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, theft, a broken windshield, damage from getting keyed and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

In Summary

Low-cost 2000 Dodge Ram Pickup 1500 insurance can be sourced on the web and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies may not offer the ability to get quotes online and usually these smaller providers sell through independent insurance agencies.

You just read some good ideas how to get a better price on 2000 Dodge Ram Pickup 1500 insurance. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your premium rates. You may be surprised to find that the best car insurance rates are with the least-expected company. These smaller insurers may have significantly lower premium rates on certain market segments than their larger competitors like Progressive or Geico.

Even more information is available at these sites: