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Dodge RAM 150 Insurance Quotes

Drivers have lots of options when looking for the best insurance on your Dodge vehicle. You can either contact an agent or go online to compare rates from many different companies. Shopping for car insurance from online companies can be fast and easy, plus you can save money.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of online companies offering insurance. There are several ways of comparing rates and find the best price. The best way to compare Dodge RAM 150 insurance cost consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by the following

Car insurance premiums paid to insure a Dodge RAM 150 can fluctuate considerably depending on several factors. Including but not limited to:

  • Higher performance RAM 150 vehicles cost more
  • Accidents raise premiums
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Add-on coverages such as rental reimbursement
  • Your occupation
  • Insurance coverage level
  • Home ownership saves money

An additional factor that will help determine Dodge RAM 150 insurance quotes is the year of the vehicle. Older cars and trucks have a lower value than newer models so the costs to repair may result in lower rates. Although newer vehicles may have safety features included like forward-collision avoidance, automatic crash notification, and tire pressure monitors which may lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your RAM 150 from the list below.

Liability coverage

This coverage can cover damage or injury you incur to a person or their property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision coverage protection

Collision coverage covers damage to your Dodge from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper Dodge RAM 150 insurance quotes.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The most your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.

How Much are Dodge RAM 150 Insurance Rates?