Cheap 2001 Dodge Ram Pickup 2500 Car Insurance Rates

Looking for the cheapest auto insurance rates for your Dodge Ram Pickup 2500? Have you finally had enough of robbing Peter to pay Paul to keep your car insured? You have the same problem as many other people. Many insurers vie for your hard-earned dollar, so it’s not easy to compare every company to discover the definitive best rate

If you are insured now or need a new policy, you can follow these tips to cut your premiums and still get good coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to understand the proper methods to compare company rates over the internet.

The method we recommend to compare rate quotes is to know the trick almost all companies pay for the opportunity to give rate comparisons. To get started, all you need to do is take a few minutes to give details such as the make and model of your vehicles, if the vehicle is leased, how much education you have, and daily mileage. Your information is automatically sent to insurance companies and you will receive price estimates instantly.

Discounts for lower-cost insurance coverage rates

Some insurers don’t always publicize every possible discount very well, so here is a list both the well known and also the lesser-known credits available to you.

  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Federal Government Employee – Active or former government employment may reduce rates when you quote car insurance for Ram pickup insurance but check with your company.
  • Safety Course Discount – Taking a driver safety course could cut 5% off your bill and make you a better driver.
  • Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Savings for New Vehicles – Buying a new car instead of a used car can cost up to 25% less compared to insuring an older model.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education as it can save substantially.
  • Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you will save up to 20% off your total premium.
  • Good Student – This discount may save you up to 25%. Most companies allow this discount up to age 25.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. So even though you would think it’s possible to get free car insurance, you’re out of luck.

A few companies that have most of the discounts above possibly include:

If you need affordable car insurance quotes, ask every company which discounts they offer. Some of the discounts discussed earlier may not apply to policies in every state. If you would like to choose from a list of providers offering insurance coverage discounts, follow this link.

You may need specialized insurance coverage

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help highlight if you may require specific advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Can I afford to buy a different vehicle if my 2001 Dodge Ram Pickup 2500 is totaled?
  • Is pleasure use cheaper than using my 2001 Dodge Ram Pickup 2500 to commute?
  • How do I buy GAP insurance?
  • Do I need motorclub coverage?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Why your insurance rates might be higher

Consumers need to have an understanding of a few of the rating criteria that play a part in calculating your policy premiums. If you know what determines base rates, this enables informed choices that will entitle you to lower insurance coverage prices. Multiple criteria are part of the calculation when pricing auto insurance. Most are fairly basic like your driving record, but others are less apparent such as your credit history or how safe your car is.

  • Teenage drivers cost more – Older people tend to be more responsible, tend to file fewer claims , and usually have better credit.Beginning drivers are statistically proven to be careless and easily distracted in a vehicle therefore insurance coverage rates are much higher.
  • Save by driving safer cars – Vehicles with high crash test scores get lower rates. Safe vehicles protect occupants better and fewer injuries means your insurance company pays less and cheaper rates on your policy. If your Dodge has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Only buy what you need – There are a lot of optional add-on coverages that can waste your money if you don’t pay attention. Insurance for things like vanishing deductibles, death and dismemberment, and extra life insurance coverage could be just wasting money. The coverages may be enticing when buying your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Low stress job equals lower prices – Jobs like lawyersairline pilots and emergency personnel generally pay higher average rates attributed to intense work-related stress and lots of time spent away from family. Other jobs like actors, engineers and homemakers have lower than average premiums for Ram pickup insurance.

Detailed coverages of your car insurance policy

Learning about specific coverages of a car insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on most car insurance policies.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, a broken windshield, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a parking meter, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage provides protection from damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like repair costs for stationary objects, legal defense fees, bail bonds, structural damage and court costs. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Pickup 2500.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as chiropractic care, nursing services, X-ray expenses, surgery and rehabilitation expenses. 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 not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

And the best car insurance company is…

When you buy car insurance online, do not reduce coverage to reduce premium. There have been many situations where someone dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest cost while still protecting your assets.

Cheaper 2001 Dodge Ram Pickup 2500 insurance can be purchased from both online companies as well as from independent agentsinsurance , and you should compare price quotes from both to have the best rate selection. Some insurance companies don’t offer the ability to get quotes online and usually these smaller companies prefer to sell through local independent agents.

More detailed car insurance information is located at these sites: