1994 Dodge Ram Pickup 1500 Car Insurance Rates

Looking for better insurance coverage rates for your Dodge Ram Pickup 1500? Scraping up a payment for overpriced Dodge Ram Pickup 1500 insurance can deplete your accounts and require stricter spending habits. Comparing price quotes is a great way to tighten up your finances.

Companies like Allstate, Progressive and GEICO constantly blast consumers with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s smart to get comparison quotes yearly due to the fact that insurance rates fluctuate regularly. Even if you got the best premium rates on Ram pickup coverage a few years ago there may be better deals available now. There is a lot of wrong information about insurance coverage online, but you can learn some good information on how to lower your insurance coverage premiums.

If you have car insurance now, you should be able to lower your premiums substantially using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. Although drivers need to learn the way insurance companies market on the web because it can help you find the best coverage.

Find discounts to get cheap insurance coverage quotes

Companies don’t list all their discounts very clearly, so the below list has a few of the more common and the more hidden discounts that may be available. If you aren’t receiving every discount possible, you are just wasting money.

Telematics Data – Insureds that choose to allow their insurance company to analyze driving patterns by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they exhibit good driving behavior.
No Charge for an Accident – Not really a discount, but companies like Allstate and State Farm will allow you to have one accident before they charge you more for coverage if your claims history is clear prior to being involved in the accident.
Professional Organizations – Affiliation with specific professional or occupational memberships or organizations may earn a discount when getting a car insurance quote.
Claim-Free Discount – Insureds who avoid accidents and claims pay much less as opposed to policyholders that have many claims.
ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control can avoid accidents so you can save 10 percent or more.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride. Any amount of discount should help reduce your policy cost.

For a list of insurers with discount insurance coverage rates, follow this link.

How to shop auto insurance online

To get cheap car insurance quotes, there a variety of ways of comparing price quotes from different companies. One of the best ways to find the lowest 1994 Dodge Ram Pickup 1500 rates is simply to get online rate quotes. This is quite simple and can be completed in several different ways.

The recommended way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating repetitive form entry for every auto insurance company. One form will return price quotes from auto insurance companies with the best prices.
A more time consuming way to analyze rates requires a visit to the website of each company to complete a price quote. For sake of this example, we’ll pretend you want comparison quotes from State Farm, Progressive and Farmers. You would need to spend time going to each site individually to input your insurance information, which is not fast way to get rate quotes.
For a list of links to companies insuring cars in your area, click here.
Even if you have time, the least recommended method to comparison shop is to drive around to and from local insurance agencies. The internet makes this unnecessary unless you’re the type of person who wants the professional abilities of an agent trained in personal lines coverage. It is possible with some companies price shop your coverage online but have a local agent actually write the policy.

The approach you take is up to you, just make sure you compare identical deductibles and coverage limits with every price quote. If you compare higher or lower deductibles it will be nearly impossible to determine the best price for your Dodge Ram Pickup 1500. Having just a slight variation in insurance coverages or limits can mean a large discrepancy in price. And when quoting auto insurance, remember that making a lot of price comparisons helps you find the best rates. Some smaller insurers to not give online rate quotes, so it’s necessary to compare rates from them as well.

Tailor your car insurance coverage to you

When choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can help discover if you would benefit from professional advice.

Should I carry comprehensive and collision coverage?
How do I buy GAP insurance?
Do I have newly-aquired coverage?
Is my 1994 Dodge Ram Pickup 1500 covered for flood damage?
Is extra glass coverage worth it?
What happens if I owe more than my 1994 Dodge Ram Pickup 1500 is worth?
Should I bundle my homeowners policy with my auto?
Do I need PIP (personal injury protection) coverage in my state?
Am I insured when driving a different vehicle?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance policy coverages for a Dodge Ram Pickup 1500

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Dodge Ram Pickup 1500.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like dental work, ambulance fees, doctor visits and prosthetic devices. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverages

Liability coverage will cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as repair bills for other people’s vehicles, emergency aid, structural damage and medical services. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, colliding with a tree and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

At the end of the day…

Low-cost 1994 Dodge Ram Pickup 1500 insurance is definitely available from both online companies and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and usually these small, regional companies only sell coverage through independent agencies.

When you buy car insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at an affordable rate while still protecting your assets.