2005 Dodge Ram Pickup 1500 Insurance Cost – 9 Tips for Cheaper Prices

Looking for the cheapest insurance coverage rates for your Dodge Ram Pickup 1500? Have you finally had enough of wondering where the money will come from to pay your insurance coverage bill each month? You’re in the same situation as many other drivers. With drivers having so many companies to choose from, it’s difficult to choose the cheapest company.

Buying car insurance is quite easy. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Drivers only need to know how to get comparison rates on the web.

How to lower your auto insurance cost

There are a lot of ways to compare auto insurance quotes, and some are less time-consuming than others. You can spend countless hours discussing policy coverages with agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many popular insurance companies belong to an insurance system that enables customers to complete one form, and at least one company returns a rated price determined by their information. This system prevents you from having to do form submissions to each individual auto insurance company. To compare rates using this form now click here to open in new window.

The one disadvantage to pricing coverage this way is that consumers can’t choose which companies you want pricing from. So if you want to select from a list of companies to request quotes from, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure you’re using the exact same coverage limits and deductibles on every price quote you get. If the quotes have different values for each quote you can’t possibly determine the best price for your Dodge Ram Pickup 1500.

Lower rate quotes by earning these nine discounts

Some companies don’t always list every possible discount very well, so the below list has both the well known and also the more inconspicuous ways to save on insurance. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

  • Drive Less and Save – Maintaining low annual mileage could earn substantially lower premium rates.
  • Seat Belt Usage – Drivers who require all occupants to buckle up before driving could cut 10% or more off the personal injury premium cost.
  • Driver Training Discounts – Passing a safe driver course could cut 5% off your bill and easily pay for the cost of the class.
  • Paperless Signup – A few insurance companies give back up to $50 shop car insurance on the web.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
  • Discount for Life Insurance – Larger insurance companies have a small discount if you purchase life insurance from them.
  • Driver’s Education for Students – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Homeowners Discount – Owning a house may trigger a policy discount on insurance because owning a home demonstrates responsibility.
  • Club Memberships – Affiliation with qualifying employment or professional organizations could earn you a nice discount when shopping for insurance.

Please keep in mind that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, nobody gets a free ride.

Larger insurance companies and the discounts they provide are detailed below.

  • Geico has savings for anti-theft, seat belt use, driver training, five-year accident-free, and multi-policy.
  • USAA offers discounts for safe driver, driver training, family discount, annual mileage, multi-vehicle, and military installation.
  • Progressive has discounts for good student, continuous coverage, online quote discount, online signing, multi-vehicle, multi-policy, and homeowner.
  • American Family policyholders can earn discounts including accident-free, air bags, early bird, good student, and Steer into Savings.
  • Esurance may have discounts that include good driver, anti-theft, multi-car, DriveSense, and online quote.
  • Farmers Insurance includes discounts for youthful driver, electronic funds transfer, distant student, multi-car, mature driver, and good student.
  • State Farm may offer discounts for Steer Clear safe driver discount, safe vehicle, defensive driving training, student away at school, passive restraint, and Drive Safe & Save.

It’s a good idea to ask every prospective company how many discounts you can get. All car insurance discounts might not be offered in your area. If you would like to view insurance companies that have a full spectrum of discounts, click this link.

Your insurance coverage coverage should be tailored to you

When choosing adequate coverage, there really is no cookie cutter policy. Each situation is unique so your insurance needs to address that. For instance, these questions may help highlight whether or not you might need professional guidance.

  • I have a DUI can I still get coverage?
  • Am I covered if I drive in a foreign country?
  • Can I drive in Mexico and have coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is an SR-22 filing?
  • What vehicles should carry emergency assistance coverage?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can provide invaluable advice.

Coverages available on your policy

Learning about specific coverages of insurance can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, damaging your car on a curb, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability insurance

This coverage will cover injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like bail bonds, medical expenses, court costs, pain and suffering and medical services. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, hail damage and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as doctor visits, hospital visits, pain medications, prosthetic devices and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

More comparisons equals lower rates

We covered some good ideas how you can compare 2005 Dodge Ram Pickup 1500 insurance prices online. It’s most important to understand that the more you quote car insurance, the higher your chance of finding cheaper car insurance. You may even find the biggest savings come from some of the lesser-known companies. Regional companies can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

Discount 2005 Dodge Ram Pickup 1500 insurance can be sourced on the web in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not offer rate quotes online and these regional insurance providers only sell coverage through independent agents.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

Much more information about insurance coverage is available at the links below