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Dodge Ram Pickup 2500 Insurance Rates

Finding cheaper auto insurance by comparing rates online can be fast and easy, plus you may find lower rates. The most important part is getting rates from as many companies as possible in order to have the lowest priced insurance.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of online auto insurance companies and websites selling insurance. Getting better Ram Pickup 2500 insurance cost can be quick and easy. Just take time to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by these things

Insurance premiums for your Dodge Ram Pickup 2500 can be significantly different depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Crash test rating for your Ram Pickup 2500
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older Dodge models so the cost to replace them may end up costing you more. Although new Dodge models have more advanced features included like anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights that may help lower rates.

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

Auto liability insurance - This coverage provides protection from damage or injury you incur to other's property or people that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage - This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper Ram Pickup 2500 insurance rates.

Comprehensive insurance - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Dodge Ram Pickup 2500 Insurance Rates?