Lower Your 2009 Dodge Ram Pickup 2500 Insurance Rates

Trying to find lower auto insurance rates for your Dodge Ram Pickup 2500? Searching for low-cost insurance for a Dodge Ram Pickup 2500 can be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to shop for auto insurance so we’re going to tell you the proper way to compare rates for a Dodge and get the lowest price either online or from local insurance agents.

If you have a current insurance coverage policy or need a new policy, you can follow these tips to find the best rates while maintaining coverages. Pricing the cheapest protection can be fairly easy. Drivers just need to know the tricks to compare company rates over the internet.

The cheapest auto insurance

Performing a rate comparison can be a daunting task if you don’t know the best way to get rate quotes. You can waste hours driving to insurance companies in your area, or you can utilize online quoting for quick rates.

All the larger companies take part in a program that allows shoppers to enter their coverage request one time, and each participating company returns a competitive quote based on that information. This system prevents you from having to do quote forms for each company you want a rate for.

To use this form to compare rates click to open in new window.

One minor caviat to doing it this way is you can’t choose the insurers to get pricing from. If you prefer to choose individual companies to compare, we have a listing of low cost auto insurance companies in your area. Click here to view list.

Compare rates however you want, just make darn sure you compare identical quote data for each comparison quote. If you enter different data it will be impossible to make an equal comparison.

Auto insurance is unique, just like you

When buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions may help highlight if your situation could use an agent’s help.

  • What exactly is covered by my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I really need UM/UIM coverage?
  • What can I do if my company denied a claim?
  • Does my personal policy cover me when driving out-of-state?
  • Are rental cars covered under my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Where can I find high-risk insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Specific coverages for a 2009 Dodge Ram Pickup 2500

Understanding the coverages of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2009 Dodge Ram Pickup 2500.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Collision – This coverage covers damage to your Ram Pickup 2500 resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Coverage for liability – This protects you from damage that occurs to people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like structural damage, legal defense fees, repair bills for other people’s vehicles and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, damage from getting keyed, hitting a bird and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses for things like surgery, rehabilitation expenses, pain medications, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay