2003 Dodge Ram Pickup 1500 Insurance Quotes

Trying to find cheaper auto insurance rates for your Dodge Ram Pickup 1500? No sane person looks forward to paying premiums for auto insurance, especially when the cost is too high.

Numerous car insurance companies battle for your business, and because of this it can be hard to compare insurance companies and uncover the absolute best rates possible.

It’s a good habit to do rate comparisons at least once a year due to the fact that insurance prices are rarely the same from one policy term to another. If you had the best rates for Ram pickup insurance at your last renewal you will most likely find a better premium rate today. Forget all the misinformation about auto insurance because you’re about to learn the proper way to find better coverage at a better price.

Shop insurance online

When looking for cheap car insurance quotes, there are a couple ways to compare prices from companies that offer insurance in your state. The easiest way to find cheaper 2003 Dodge Ram Pickup 1500 rates is to use the internet to compare rates. This is quite simple and can be completed in a couple of different ways.

The most recommended method to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This easy form keeps you from doing repetitive form submissions for each company you want a rate for. Filling out one form will return quotes from many national carriers.

A different way to analyze rates requires visiting each company’s website and request a quote. For examples sake, we’ll assume you need rates from Allstate, State Farm and Liberty Mutual. You would need to spend time going to each site individually to enter the same coverage data repeatedly, which can take a lot of time.

To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make sure you compare equivalent coverages for each quote you get. If the quotes have different coverage information it’s not possible to find the best deal for your Dodge Ram Pickup 1500. Quoting even small variations in limits could skew the results. Keep in mind that comparing more rates from different companies will enable you to find the best price. Not every company provides rate quotes online, so it’s important to also get price estimates on coverage from those companies, too.

Drivers can save with these premium-slashing discounts

Companies offering auto insurance don’t necessarily list their entire list of discounts in a way that’s easy to find, so the below list has both well-publicized and the more hidden credits that may apply to you. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.

  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course if it’s offered in school.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Passive Restraints – Options like air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Safety Course Discount – Taking a class that teaches defensive driver techniques could earn you a small percentage discount and make you a better driver.
  • ABS and Traction Control Discounts – Vehicles with ABS and/or traction control prevent accidents and qualify for as much as a 10% discount.
  • Good Students Pay Less – Excelling in school may save you up to 25%. You can use this discount normally up until you turn 25.

As a sidenote, most discount credits are not given the the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, it just doesn’t work that way.

A list of insurance companies and some of their more popular discounts are included below.

  • State Farm may include discounts for multiple policy, good driver, driver’s education, student away at school, and good student.
  • Esurance policyholders can earn discounts including good student, homeowner, anti-theft, multi-policy, and renters.
  • Progressive may have discounts that include multi-vehicle, homeowner, multi-policy, good student, online quote discount, and online signing.
  • Liberty Mutual offers discounts including good student, new vehicle discount, newly retired, exclusive group savings, multi-policy, and new graduate.
  • Auto-Owners Insurance has discounts for safe driver, anti-lock brakes, anti-theft, paid in full, mature driver, and multi-policy.
  • Geico includes discounts for driver training, defensive driver, military active duty, multi-vehicle, daytime running lights, good student, and anti-theft.

When quoting, ask every insurance company the best way to save money. Depending on the company, some discounts might not be offered on policies in your area.

Do I need special coverages?

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.

  • Do I need rental car coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How can I find cheaper teen driver insurance?
  • Should I buy only the required minimum liability coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Get Dodge Ram Pickup 1500 insurance more affordably

Smart consumers have a good feel for some of the factors that help determine the level of your policy premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that could result in cheaper rates.

  • Cars with good safety ratings save money – Vehicles that have high safety ratings cost less to insure. Safer cars reduce occupant injuries and fewer injuries means lower claim amounts which can result in lower premiums. If your Dodge Ram Pickup 1500 has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Responsible credit saves on car insurance – Having a good credit score is a big factor in determining your rates. So if your credit score leaves room for improvement, you could be paying less to insure your 2003 Dodge Ram Pickup 1500 by improving your credit score. People that have high credit ratings tend to be less risk to insure than drivers who have bad credit.
  • File a claims and pay more – If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Insurance companies provide the lowest premiums to policyholders that do not abuse their auto insurance. Your car insurance is intended to be relied upon for the large, substantial claims.
  • Never let your car insurance policy lapse – Driving any period of time without insurance is not a good idea and companies may charge more for letting your coverage have a gap. And not only will your rates increase, not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Rates can change based on your address – Being located in small towns and rural areas has it’s advantages when buying car insurance. Urban drivers have more traffic problems and more time behind the wheel. Less people living in that area corresponds to lower accident rates and a lower car theft rate.
  • Gender and auto insurance – Over time, data shows women tend to be less risk to insure than men. This data doesn’t prove that women are BETTER drivers than men. Women and men tend to get into auto accidents in similar numbers, but the men have costlier accidents. Not only are claims higher, but men get ticketed for serious violations like reckless driving and DUI. Young men ages 16 to 20 are the most expensive to insure so they pay the highest premiums.
  • Incidental coverages can add up – There are quite a few extra coverages that you can buy if you aren’t diligent. Add-on coverages like vanishing deductibles, better glass coverage, and term life insurance may not be needed and are just wasting money. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past get rid of them and save.
  • Protect yourself with liability insurance – Your car insurance policy’s liability coverage will afford coverage if you are ruled to be at fault for personal injury or accident damage. This coverage provides legal defense to defend your case. Liability insurance is quite affordable compared to comp and collision, so do not skimp.

Auto insurance 101

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on people or other property. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things like emergency aid, loss of income, court costs, medical services and structural damage. How much coverage you buy is your choice, but you should buy higher limits if possible.

Collision protection

This will pay to fix damage to your Ram Pickup 1500 from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2003 Dodge Ram Pickup 1500.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like nursing services, surgery and dental work. They are often 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 and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, hitting a bird, damage from a tornado or hurricane, hitting a deer and damage from flooding. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

You can do this!

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability limits or collision coverage and learned later that it was a big mistake. Your goal should be to buy the best coverage you can find at the best price but still have enough coverage for asset protection.

We just presented a lot of tips how to shop for 2003 Dodge Ram Pickup 1500 insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Regional companies often have lower premium rates on specific markets than their larger competitors like Allstate, Geico and Progressive.

Lower-priced insurance is possible online and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies do not offer rates over the internet and usually these regional insurance providers work with independent agents.

For more information, take a look at the resources below: