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Dodge Ram 50 Pickup Insurance Cost

Finding cheaper car insurance through online rate quotes is simple to do, in addition you can save money. The critical component is to get rates from all providers in order to have all possible prices.

Finding the best direct price on car insurance can be complicated if you have never used online quoting. But relax because it's actually quite easy. There are several ways of comparing rates from different insurance companies. The easiest way by far to compare Ram 50 Pickup insurance rates is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a Dodge Ram 50 Pickup can fluctuate considerably subject to many criteria. A few of these criteria are:

  • Traffic citations increase rates
  • Credit rating impacts rates
  • Male rates may be higher
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • Your occupation
  • The level of coverage
  • Owning a home can lower rates

An additional factor which can affect Ram 50 Pickup insurance cost is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the costs to repair can decrease annual premiums. Conversely, newer vehicles may have safety features such as lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system which may lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Auto liability

Ram 50 Pickup liability coverage can cover injuries or damage you cause to a person or their property that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision protection

This covers damage to your Dodge from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Dodge Ram 50 Pickup Insurance Rates?