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
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.
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.
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.
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.
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.
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.
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.
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: