Cheap 2008 Dodge Ram Pickup 1500 Car Insurance Cost

Want cheaper car insurance rates for your Dodge Ram Pickup 1500? No sane person gets a kick out of paying for car insurance, particularly when the prices are way too high.

Many insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies to get the cheapest price

The fastest way that we advise to compare insurance rates in your area utilizes the fact most larger insurance companies will pay a fee to quote your coverage. To start a quote, the only thing you need to do is take a few minutes to give details like your occupation, if it has an alarm system, an estimate of your credit level, and how much education you have. Your insurance information is then submitted to many different companies and they return cost estimate instantly.

To start a quote now, click here and complete the quick form.

Cut your auto insurance rates with discounts

Not many people think insurance is cheap, but you might be missing out on some discounts that can dramatically reduce your bill. Some trigger automatically at quote time, but a few must be asked about prior to receiving the credit.

  • Anti-lock Brakes – Vehicles with ABS braking systems or traction control can reduce accidents and therefore earn up to a 10% discount.
  • No Claim Discounts – Drivers who stay claim-free get the best auto insurance rates compared to bad drivers.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen so companies will give you a small discount.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for Ram pickup coverage than drivers with accident claims.
  • Professional Organizations – Joining specific professional or occupational memberships or organizations could qualify you for a break on your policy.
  • Homeowners Savings – Just owning your own home can save you money because maintaining a house means you have a higher level of financial diligence.
  • Life Insurance – Larger companies have a discounted rate on car insurance if you buy a life insurance policy as well.

Discounts lower rates, but most of the big mark downs will not be given to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, nobody gets a free ride.

A list of auto insurance companies and a partial list of their discounts are outlined below.

  • Progressive has discounts for multi-policy, homeowner, good student, online quote discount, continuous coverage, multi-vehicle, and online signing.
  • AAA may offer discounts for pay-in-full, education and occupation, good student, good driver, AAA membership discount, multi-car, and anti-theft.
  • Farmers Insurance has savings for alternative fuel, early shopping, electronic funds transfer, multi-car, youthful driver, good student, and switch companies.
  • Geico offers discounts including anti-theft, five-year accident-free, anti-lock brakes, good student, and driver training.
  • Esurance may include discounts for online shopper, anti-theft, renters, multi-policy, good driver, and anti-lock brakes.
  • SAFECO policyholders can earn discounts including bundle discounts, anti-lock brakes, multi-car, teen safety rewards, accident prevention training, anti-theft, and teen safe driver.
  • State Farm includes discounts for Steer Clear safe driver discount, multiple policy, safe vehicle, multiple autos, student away at school, and good student.

If you want cheaper car insurance quotes, ask each company or agent which discounts you may be entitled to. Depending on the company, some discounts might not apply in your area.

You are unique and your insurance coverage should be too

When buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Am I covered if my car is in a flood?
  • Should I bundle my homeowners policy with my auto?
  • What are the best liability limits?
  • Who is covered by my policy?
  • Do I need added coverage for expensive stereo equipment?
  • Should I have a commercial auto policy?
  • Am I insured when driving a different vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Why your insurance premiums might be higher

A large part of saving on car insurance is knowing some of the factors that aid in calculating the rates you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that can earn you lower car insurance prices. Lots of things are part of the equation when pricing auto insurance. Some are obvious such as your driving record, although others are less apparent such as your marital status or your financial responsibility.

The factors shown below are just a few of the factors companies use to determine prices.

  • See if your company offers a multi-policy discount – Many insurance companies will award a discount to clients who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount applied, it’s still a good idea to compare rates to help ensure you have the lowest rates.
  • Premiums may be higher where you live – Residing in less populated areas can save you money when shopping for auto insurance. Less people living in that area corresponds to lower accident rates in addition to lower liability claims People in densly populated areas regularly have more traffic problems and much longer commute distances. Higher commute times means more chances of being involved in an auto accident.
  • Cheaper rates with high deductibles – Physical damage insurance, also called ‘full coverage’, covers your vehicle from damage. Examples of some claims that would be covered could be colliding with a building, collision with an animal, and having your car stolen. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if a covered claim is submitted. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be for Ram pickup coverage.
  • High credit rating translates to low premiums – Having a bad credit score will be a significant factor in determining your rates. Drivers who have excellent credit tend to be better risks to insure than drivers with bad credit. If your credit leaves room for improvement, you could potentially save money when insuring your 2008 Dodge Ram Pickup 1500 by taking the time to improve your credit score.
  • High premiums for teen drivers – Mature drivers tend to be more responsible, tend to file fewer claims , and usually have better credit.Youthful drivers are statistically shown to be more careless with other occupants in the car so car insurance rates are higher.
  • Stay claim-free and lower car insurance rates – If you file claims often, you can expect either higher rates or even cancellation. Insurance companies generally give most affordable rates to people who are claim-free. Your insurance policy is designed for more catestrophic claims.

Save 15 percent in 15 minutes? Is it for real?

Popular insurance providers such as 21st Century, Allstate and State Farm seem to constantly run ads in print and on television. They all have a common claim that drivers will save a bundle if you move to them. But how can every company offer drivers better rates? It’s all in the wording.

Insurance companies quote the lowest rates for the type of driver that will not have excessive claims. One example of a profitable risk profile should be between the ages of 40 and 55, has no prior claims, and has excellent credit. Any person who matches those parameters will most likely get cheap prices and is almost guaranteed to save money with a new company.

Insureds who are not a match for those standards will be charged higher prices which results in the prospect going elsewhere. The trick is to say “drivers who switch” not “all people who quote” save the amount stated. That is how insurance companies can confidently claim big savings.

Each company has different criteria, so you absolutely need to compare rate quotes every year. It is just not possible to predict with any certainty which company will have the lowest rate quotes.

Insurance policy specifics

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses for things like X-ray expenses, chiropractic care, pain medications and ambulance fees. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, hitting a bird, damage from flooding and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverages – Collision coverage pays for damage to your Ram Pickup 1500 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, colliding with a tree, sideswiping another vehicle, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability coverages – Liability insurance can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like court costs, attorney fees and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Pennies from heaven

There are still a few companies who may not provide rates over the internet and many times these small insurance companies prefer to sell through independent insurance agents. The cheapest 2008 Dodge Ram Pickup 1500 insurance is possible from both online companies and with local insurance agents, so compare prices from both so you have a total pricing picture.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.

In this article, we presented a lot of techniques to compare 2008 Dodge Ram Pickup 1500 insurance rates online. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheaper car insurance. You may even discover the biggest savings come from a lesser-known regional company. These smaller insurers may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive or Geico.

Much more information about insurance is located at these links: