How Much Does 2004 Dodge Ram Pickup 2500 Car Insurance Cost?

Searching for lower auto insurance rates for your Dodge Ram Pickup 2500? Have you fallen victim to an expensive auto insurance policy? Say no more because many consumers are feeling buyer’s remorse and feel like there’s no way out. Big companies like Progressive, Geico and Farmers Insurance persitently shower you with advertising and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

Smart consumers take time to get comparison quotes periodically because auto insurance prices change regularly. Just because you had the lowest rates for Ram pickup coverage on your last policy you will most likely find a better rate quote today. You can find a lot of information about auto insurance online but in this article, you’re going to get the easiest ways to buy auto insurance cheaper.

Buy insurance online

Most major insurance companies like Geico, State Farm and Progressive allow you to get coverage prices direct online. Obtaining pricing is quite easy because you just enter the coverages you want as requested by the quote form. When the form is submitted, their system orders credit information and your driving record and returns a price quote based on these factors. Quoting online makes it simple to compare prices but the work required to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step if you want to get a better rate.

There is an easier way to compare rates

A better way to lower your insurance bill uses just one form to return rates from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes online shopping much more enjoyable and efficient. After sending your information, it is quoted with multiple companies and you can pick any one of the pricing results. If a lower price is quoted, you can simply submit the application and buy the new coverage. It takes 15 minutes at the most and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, click here to open in new window and enter your information. If you have your current policy handy, we recommend you replicate the insurance coverages as close as possible to your current policy. This ensures you’re receiving an apples-to-apples comparison based on identical coverages.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage, there really is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that may help highlight if you may require specific advice.

  • What can I do if my company won’t pay a claim?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • If my pet gets injured in an accident are they covered?
  • Can I afford to buy a different vehicle if my 2004 Dodge Ram Pickup 2500 is totaled?
  • Is my trailer covered?
  • Is my teen driver covered when they drive my company car?
  • Does car insurance cover theft of personal property?
  • Should I put collision coverage on all my vehicles?
  • Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Information about specific coverages

Understanding the coverages of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by car insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, X-ray expenses, rehabilitation expenses, prosthetic devices and funeral costs. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, a tree branch falling on your vehicle, fire damage and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage covers damage to your Ram Pickup 2500 caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, scraping a guard rail, hitting a parking meter, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2004 Dodge Ram Pickup 2500.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability coverages

Liability insurance can cover injuries or damage you cause to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like medical expenses, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.