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.
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.
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.
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.
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.
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
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.
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.
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.
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.
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